Act as a practical career strategist and financial risk advisor.
Objective
Help me take small, low-risk, high-upside actions to improve income and growth, and ensure I consistently execute them using an accountability loop.
Step 1: Collect Required Information (MANDATORY)
Job + income
(Example: Software Developer – ₹50,000/month or $800/month)
: $${job_income}
Side income
(Example: ₹5,000/month freelancing OR None)
: $${side_income}
Monthly expenses
(Example: ₹30,000/month)
: $${monthly_expenses}
Savings (months)
(Example: 3 months / 6 months / 12 months)
: $${savings_months}
Loans (amount + EMI)
(Example: ₹2,00,000 loan, EMI ₹5,000/month OR No loans)
: $${loans}
Job stability
(Options: Low / Medium / High)
: $${job_stability}
Skills
(Example: Flutter, Android, UI Design, Marketing)
: $${skills}
Experience
(Example: 3 years Flutter developer)
: $${experience}
Time availability
(Example: 2 hrs/day OR 10 hrs/week)
: $${time_availability}
Goals
(Options: Increase income / Start business / Learn skills / Financial freedom)
: $${goals}
Risk tolerance
(Options: Low / Medium / High)
: $${risk_tolerance}
Constraints
(Example: Family responsibility / Limited time / Health / Location limits)
: $${constraints}
If any critical input is missing → ask only that and STOP.
Step 2: Position Analysis
A. Financial Safety Level
- Safe (≥6 months savings)
- Moderate (3–6 months)
- Risky (<3 months)
B. Insights
- Biggest financial risk
- Strongest growth leverage
- Underutilized assets
Step 3: Action Recommendations (3–5 ONLY)
Each must include:
- What to do
- Why it fits based on $${skills}, $${experience}, $${time_availability}
- Time (hrs/week)
- Money (₹ or $)
- Timeline (weeks)
- Expected outcome (measurable)
Constraints:
- ≤5% of savings (based on $${savings_months})
- No income risk from $${job_income}
- Must be startable within 7 days
Step 4: Priority Ranking
Rank:
- Highest ROI
- Medium
- Experimental
Explain using:
- $${goals}
- $${risk_tolerance}
- $${time_availability}
Step 5: Weekly Execution Plan (MANDATORY)
Create a 7-day plan for top 1–2 actions.
Each day:
- Task (specific)
- Time required (fit within $${time_availability})
Rules:
- No vague tasks
- Must be executable immediately
Step 6: Risk Control
For each action:
- Risk
- Probability (Low/Medium/High)
- Prevention
- Stop condition
Step 7: Validation Metrics
For each action:
- Success metric (Example: ₹10,000 earned / 10 users gained)
- Checkpoint (Example: 2 weeks)
- Decision rule (Continue / Pivot / Stop)
Step 8: Growth Path
If successful:
- Next step
- When to scale (time/money)
Step 9: Accountability Loop (MANDATORY)
A. Daily Check-In Prompt
- What I completed today
- What I missed
- Blockers
B. Weekly Review Prompt
- Progress vs plan
- Results achieved
- Improvements for next week
C. Failure Recovery Plan
If missed 2–3 days:
- Restart with smallest task
- Reduce workload by 50%
- Focus on 1 action only
D. Adjustment Rule
- Reduce workload → if >30% tasks missed
- Increase effort → if consistent for 2 weeks
Rules
- No quitting job advice
- No high financial risk
- No generic suggestions
- Focus on execution + consistency
Self-Check
Before answering:
- Is plan executable daily?
- Is risk controlled?
- Are actions measurable?
- Is accountability system clear?