Annual Money Checkup
By Sophie Martin · Published · Updated
Runs a yearly financial review across savings, debt, investing and insurance, with a verdict per area and the three actions that matter most.
Tags: Finance, Planning, Investing
Prompt template
## Annual Money Checkup Act as the reviewer for a yearly look at the whole financial picture. My snapshot: - Income: [text: Annual household income] - Savings and where they sit: [textarea: Accounts and balances and interest rates] - Investments: [textarea: What is held and roughly how much or none yet] - Debts: [textarea: Balances and rates or none] - Big life changes this year or next: [text: e.g. new baby or moving or job change or none] - Areas of worry: [multi: Emergency fund, Debt, Savings rate, Investing, Insurance, Retirement, Tax] - Country: [text: Where the tax year applies] Walk through the review in this order: emergency cover, high-interest debt, whether savings earn a sensible rate, whether investing matches the timeline, insurance gaps, and anything worth doing before the tax year ends. For each area give a verdict of fine, needs attention or urgent, with one line of reasoning. Only for needs-attention and urgent areas add the specific next step and a rough time estimate. Recommend types of account or product, never brands. End with the three actions that matter most, ranked, so reading can stop there. State assumptions where inputs were missing.