Using AI to optimise your financial position

Most people treat money management as a once-a-year task: do the taxes, check the bank balance, and hope for the best. But AI makes it possible to run your personal finances like a business — with forecasts, scenario planning, and automated strategies that adapt as your life changes.

Here’s how you can start:

1. Build your financial model

Feed an AI your key numbers: income, rent/mortgage, debts, investments, and goals. With the right prompt, it can:

• Forecast your cash flow months ahead.

• Stress-test “what if” scenarios (new job, rent rise, house purchase).

• Suggest savings and investment targets based on your lifestyle.

2. Run “what-if” scenarios

AI can show you how small changes ripple across your financial future.

• What if interest rates rise 0.5%?

• What if I save $1,000/month instead of $500?

• What if I buy that $50,000 car now vs. in two years?

This helps you make decisions with numbers, not guesswork.

3. Get a step-by-step playbook

Instead of generic advice (“save more, spend less”), you’ll get an actionable roadmap:

• How much to put towards your mortgage vs. investing.

• When refinancing makes sense.

• How to balance lifestyle spending with long-term wealth building.

4. Make it a habit

Optimisation isn’t one-off — it’s ongoing. Re-run your AI financial model quarterly or after any big life change. It’s like having a CFO for your personal life.

💡 AI Financial Position Optimiser Prompt

Use these results to iterate on your personal [insert context] and see faster growth.
Good luck - Daani Faiz