---
name: annual-money-checkup
description: "A once-a-year review of savings, debt, investments, and insurance, with a verdict per area. Use when the user wants help with Annual Money Checkup. Related topics: Finance, Planning, Investing."
---

# Annual Money Checkup

A once-a-year review of savings, debt, investments, and insurance, with a verdict per area.

## How to use this skill

1. Ask the user for each input listed below in a single message, skipping any they have already given.
2. Where options are listed, offer them, but accept other answers too.
3. Fill the answers into the prompt template, then follow the completed prompt to produce the result.

## Inputs

- **Income** (free text, e.g. "annual household income")
- **Savings and where they sit** (longer free text)
- **Investments** (longer free text)
- **Debts** (longer free text)
- **Big life changes this year or next** (free text, e.g. "new baby")
- **Areas I already worry about** (choose any: Emergency fund, Debt, Savings rate, Investing, Insurance, Retirement, Tax)
- **your country** (free text, e.g. "your country")

## Prompt template

Once a year I sit down and go through my whole financial picture. Act as the checklist-keeper and reviewer for that session.

My snapshot:

- Income: {{Income}}
- Savings and where they sit: {{Savings and where they sit}}
- Investments: {{Investments}}
- Debts: {{Debts}}
- Big life changes this year or next: {{Big life changes this year or next}}
- Areas I already worry about: {{Areas I already worry about}}

Walk through the review in this order: emergency cover, high-interest debt, whether my savings are earning a sensible rate, whether my investing matches my timeline, insurance gaps, and anything worth doing before the tax year ends in {{your country}}.

For each area give a verdict of fine, needs attention, or urgent, with one line of reasoning. Only for the needs-attention and urgent ones, add the specific next step and a rough time estimate. No product recommendations by brand name, just the type of account or product to look for.

End with the three actions that matter most, ranked, so I can stop reading there if I'm short on time.

---

Source: [Annual Money Checkup on PromptBuild](https://promptbuild.io/prompt/wUtR8wrvo0LUKMWEQTH3/annual-money-checkup)