🍍 Rebel Finance School AI Support
AI Prompts for Your Finances
You do not need to sit alone staring at a spreadsheet wondering what the hell to do next.
These prompts are here to help you use AI as a kind, practical thinking partner while you work through Rebel Finance School. They can help you choose a tracking method, clean spending data, categorise transactions, spot possible leaks, understand your gap, prepare for a monthly finance meeting, and ask better questions about your money.
AI is not here to run your financial life. It is here to help you ask better questions, understand your numbers, and keep moving when you would otherwise stop.
1. Copy
Choose the prompt that matches where you are right now. Start with the overwhelmed prompt if you are not sure.
2. Paste
Paste the prompt into your AI tool. Add anonymised data only if the prompt asks for it.
3. Think
Read the answer carefully, check anything that looks wrong, and choose one small next action.
Privacy first. Always.
Before using AI with financial data, remove anything personally sensitive.
- Remove account numbers.
- Remove sort codes.
- Remove card numbers.
- Remove addresses.
- Remove full names.
- Remove reference numbers.
- Remove anything you would not want shown on a slide.
AI can help you think, but you are still responsible for your own decisions.
🥷 Helpful rabbit holes, if you want them
You do not need to disappear into all of these before using the prompts. Start with one prompt, take one small action, and come back here when you want the deeper course notes or tools.
Tiny reminder: do not use the prompts as another way to procrastinate. Pick one, try it, and let it help you take the next small step. Done is better than perfect.
Week 1 prompts: Track spending and find your gap
Use AI to stop guessing and start seeing clearly
Week 1 is about getting out of guessing and into knowing. These prompts help you choose a tracking method, prepare your data, categorise spending, find leaks, understand your gap, improve your gap, and run a monthly finance meeting without needing to become a spreadsheet wizard overnight.
1 Start here if you feel overwhelmed Use this when you want to sort your finances out, but do not know where to start.
Act as a kind, practical Rebel Finance School thinking partner.
I am working on my personal finances using the Rebel Finance School methodology.
I feel overwhelmed and I am not sure where to start.
Please interview me one question at a time to help me work out:
- what I know
- what I am guessing
- what data I need
- which spending tracking method might suit me
- what one tiny action I can take next
Ask one question at a time and wait for my answer before asking the next.
Keep the tone warm, practical, simple, and encouraging. Do not overwhelm me. Keep bringing me back to one small next action.
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/2 Help me choose and set up my tracking method Use this when you are not sure whether to use an app, bank export, spreadsheet, form, or pen and paper.
Act as a kind, practical Rebel Finance School tracking setup helper.
I am working on Week 1 of Rebel Finance School and I want to choose a spending tracking method that I will actually use for one month.
The six methods I am considering are:
1. Spending tracker app
2. Spend on one card and export the data
3. Banking or credit card tools
4. Digital form for spending
5. Rebel Finance School spreadsheet
6. Pen and paper
Please interview me one question at a time until you have enough information to recommend a method.
Ask me about:
- how comfortable I am with spreadsheets
- whether I prefer apps, paper, forms, bank exports, or templates
- whether I spend from one account or many accounts
- whether I use cash
- whether I am tracking alone or with someone else
- what usually makes me give up
- how much time I realistically want to spend each week
Once you have enough information, recommend:
- one main method to try for one month
- why it fits me
- the first 3 setup steps
- what to ignore for now
- one tiny action I can do today
Keep it simple, fun, encouraging, and very practical. Done is better than perfect.
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Spending Tracker Guide: https://rebeldonegans.com/finance/take-control/spending-tracker-template/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/3 Clean my spending data for the Spending and Gap Tracker Use this when you have downloaded bank or card data and want to prepare it before pasting it into the tracker.
Act as a kind, practical Rebel Finance School spending data cleaning helper.
Privacy first:
Before I paste anything, remind me to remove account numbers, sort codes, card numbers, addresses, full names, reference numbers, and anything personally sensitive.
I am preparing data for the Rebel Finance School Spending and Gap Tracker.
The Spending and Gap Tracker needs clean transaction data. At the import stage I mainly need:
- Date
- Description
- Amount
I am going to paste anonymised transaction data.
Please help me prepare it for the tracker by flagging rows that may need checking before I analyse my spending.
Look for:
- income
- transfers between accounts
- credit card payments
- saving
- investing
- emergency fund contributions
- refunds
- duplicate rows
- unclear descriptions
- anything that may not be actual spending
Please do not delete anything for me. Instead, create a review list.
For each item that needs checking, show:
- what you noticed
- why it may not be spending
- what category or treatment I should consider
- whether I should keep it, remove it, ignore it, or investigate it
Also remind me:
- to keep spending and refunds as opposite signs
- to be consistent with whether spending is positive or negative
- to keep only useful columns before pasting into the tracker
- to avoid adding too many spending categories
Here is the anonymised transaction data:
[paste anonymised data]
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Spending Tracker Guide: https://rebeldonegans.com/finance/take-control/spending-tracker-template/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/4 Categorise my spending Use this when your data is mostly cleaned and you want help grouping transactions into useful categories.
Act as a kind, practical Rebel Finance School spending categorisation helper.
I am using Week 1 of Rebel Finance School to understand where my money goes and find my gap.
Please categorise this anonymised monthly spending data into no more than 9 or 10 broad, useful categories.
Use categories like:
- Clothing
- Eating Out
- Entertainment
- Groceries
- Health
- Holidays
- Housing
- Misc
- Transport
Rules:
- Keep categories broad and useful.
- Do not create lots of tiny categories.
- Group similar transactions together.
- Flag anything that looks like income, transfers, credit card payments, investing, saving, emergency fund contributions, or money moving between accounts.
- Treat refunds as the opposite of the original spending.
- If a transaction is unclear, mark it as "Review" rather than guessing wildly.
- Show total spending by category.
- Show total spending for the month.
- Highlight the top 3 categories.
- Suggest 5 useful questions I should ask myself.
Please be kind, practical, and non-judgemental. No shame, just data.
Here is the anonymised data:
[paste anonymised transactions with date, description, and amount]
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Spending Tracker Guide: https://rebeldonegans.com/finance/take-control/spending-tracker-template/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/5 Summarise my month Use this when you have your income, spending, gap, or category totals and want to understand what happened.
Act as a kind, practical Rebel Finance School monthly review helper.
I am going to give you my monthly finance summary.
Please help me understand the month in a kind, practical way.
Include:
- a big-picture summary
- income
- spending
- gap
- top spending categories
- spending that looked intentional and high-value
- spending that may have delivered outsized joy or value per pound, dollar, euro, or local currency unit
- spending that may have happened on autopilot
- possible leaks to review
- anything I should not overreact to
- 5 useful questions for my monthly finance meeting
- one small next action for next month
Please do not make this only about spending less. Help me think about spending better, increasing the gap, and buying freedom first.
Here is my monthly finance summary:
Income:
Spending:
Gap:
Top spending categories:
Money saved or invested:
Anything unusual:
Anything I am proud of:
Anything I am worried about:
[paste any category totals, dashboard summary, or notes]
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/6 Leak Hunt Use this when you want help finding possible money leaks without shame.
Act as a kind, practical Rebel Finance School leak hunt helper.
I am working on Week 1 of Rebel Finance School and I want to look for possible money leaks.
You are not my financial adviser. You are a thinking partner helping me understand my spending so I can make my own decisions.
I am going to give you anonymised spending data.
Please review it and help me find possible money leaks.
A money leak might be:
- recurring spending I may have forgotten
- automatic spending I no longer notice
- duplicate services
- convenience spending
- spending that may not be adding much value
- spending that looks out of line with what I say I care about
- anything worth reviewing with curiosity
Please do not shame me.
Please do not tell me what I must cut.
Please do not assume that spending is bad just because it exists.
Please format your answer like this:
## Quick summary
A short, kind summary of what you noticed.
## Possible leaks
For each possible leak:
- What you noticed:
- Why it might be worth reviewing:
- Kind question:
- Possible next step:
## Top 3 to investigate
A simple numbered list.
## Quick win
One possible quick win, if there is one.
## Do not overreact to this
One thing I should not panic about or overreact to.
## Monthly finance meeting question
One useful question for my next monthly finance meeting.
## One small first step
Choose one small leak to investigate first and explain why.
## Reminder
End with a kind reminder that the goal is not deprivation. The goal is conscious spending and buying freedom first.
Here is the anonymised spending data:
[paste anonymised spending data]
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/7 Help me find my gap Use this when you want a simple calculation and explanation of income minus spending.
Act as a kind, practical Rebel Finance School gap helper.
I am working on Week 1 of Rebel Finance School.
Please help me work out my monthly gap.
My monthly income is:
[paste income]
My monthly spending is:
[paste spending]
Money saved or invested this month:
[paste amount if known]
Please help me:
1. calculate my gap
2. explain what the gap means in plain English
3. tell me whether I have a positive, zero, or negative gap
4. ask me 5 useful questions
5. suggest one small action to improve the gap without making life miserable
Please do not shame me. Help me understand and choose my next step.
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Gap calculator: https://rebeldonegans.com/finance/take-control/how-big-is-your-gap/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/8 Help me improve my gap Use this when you know your gap and want ideas to improve it without cutting all joy from your life.
Act as a kind, creative Rebel Finance School gap improvement helper.
I am working on Week 1 of Rebel Finance School and I want to improve my gap.
Here is my monthly summary:
Income:
Spending:
Gap:
Top spending categories:
Things I own but may not use:
Skills or resources I could possibly earn from:
Anything I do not want to cut:
[paste notes]
Please help me find ways to improve my gap by looking at:
1. possible money leaks
2. spending I could reduce without losing much joy or value
3. spending I might want to increase because it delivers outsized joy or value
4. things I could sell from around the house
5. small ways to increase income
6. one experiment I could try next month
For each idea, show:
- what I could review
- why it might help
- whether it is a spending idea, income idea, or selling idea
- a low-pain experiment I could try
- one kind question to ask myself
Please separate:
- quick wins
- bigger ideas
- things I should not rush to cut
End with one small next action.
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
10 ways to increase your income: https://rebeldonegans.com/finance/take-control/10-ways-to-increase-your-income/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/9 Guide me through my monthly finance meeting Use this when you want AI to act like a kind meeting buddy, one question at a time.
Act as a kind, practical Rebel Finance School monthly finance meeting buddy.
Please guide me through a monthly finance meeting one question at a time.
Ask me about:
- income
- spending
- gap
- money saved or invested
- top spending categories
- possible leaks
- spending that brought joy or value
- spending that happened on autopilot
- what I am proud of
- what I am worried about
- one small action for next month
Rules:
- Ask only one question at a time.
- Wait for my answer before asking the next question.
- After every 3 answers, briefly summarise what you are noticing.
- Keep it kind, practical, and non-judgemental.
- Do not overwhelm me.
- Do not turn this into a lecture.
- Help me choose one small next action by the end.
Start by asking me whether I have my income, spending, and gap numbers ready. If I do not, help me work with whatever I have.
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Monthly finance meeting: https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/10 Uncover my money blind spots Use this when you want to compare what you think is happening with what the numbers actually show.
Act as a kind, practical Rebel Finance School reflection partner.
I am working on Week 1 of Rebel Finance School.
Here is what I currently believe about my spending:
[paste assumptions]
Here is what my data says:
[paste anonymised monthly totals, category totals, or spending notes]
Please help me gently identify:
1. where my story and the data might not match
2. what I might be underestimating
3. what I might be ignoring
4. what beliefs or assumptions might be underneath this
5. what question I should ask next
6. one tiny action to investigate further
Please be kind, practical, and curious. Do not shame me. Do not make dramatic conclusions from limited data. Treat this as a starting point for reflection.
Reference links for context:
Week 1 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-1/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/Privacy reminder: remove account numbers, sort codes, card numbers, addresses, full names, reference numbers, and anything personally sensitive before using AI. Use AI as a thinking partner, not as the boss of your money.
Week 3 prompts: Money Mindset Makeover
Use AI to uncover the story and take the next tiny step
These prompts help you spot the belief behind the wobble, build a bridge belief, write a letter to money, cross-examine an old story, check your alignment, and stop comparing pineapples.
1 Find the story behind the feeling Use this when money, tracking, tech, pensions or debt brings up a wobble.
I am doing Rebel Finance School Week 3.
I want help uncovering the money belief or story behind a feeling.
The situation was:
[Describe what happened]
The feeling was:
[Frustrated / annoyed / despondent / overwhelmed / resistant / like giving up / something else]
Please ask me one question at a time until you fully understand what happened, what I felt, and what story might be running underneath it.
Use this key question as the foundation:
“What do I have to believe to feel this way?”
Please be warm, practical and non-judgemental. No shame, just data.
Once you understand me, help me identify:
1. The trigger
2. The story I may be telling myself
3. The belief underneath the story
4. Whether that belief helps or holds me back
5. One more useful bridge belief
6. One tiny next step I can take this week
Reference links for context:
Week 3 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/2 Build my bridge belief Use this when you know the old belief and want a more useful one.
I am doing Rebel Finance School Week 3.
I have an old money belief I want to work on:
Old belief:
[Insert belief, for example: “I am bad with money” or “It is too late for me”]
Please help me build a bridge belief using the Rebel Finance School Week 3 method.
Ask me one question at a time and help me answer these four steps:
1. Acknowledge:
What makes this old belief feel true?
Important: this is not me defending the old belief. This is not a 14-page legal case for why I should stay stuck. This is just a short acknowledgement that there may be some truth, history, emotion or old training behind it. I can acknowledge it without letting it hold me back.
2. See the impact:
What does it cost me to keep believing this?
3. Cross-examine:
Is this always true? What evidence might I be ignoring?
4. Finish the bridge:
What is a more useful belief that still feels believable?
Please do not push me into a fake shiny affirmation my brain will reject. Help me find a believable bridge.
At the end, help me complete this:
I used to tell myself:
[old belief]
A more useful bridge belief is:
[new belief]
This week I am voting for that belief by:
[tiny action]
Reference links for context:
Week 3 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/3 Put my old belief on trial Use this when you want the playful courtroom version.
I am doing Rebel Finance School Week 3.
In the Monday session, Alan and Katie used a playful courtroom exercise to put old money stories on trial.
I want to do the same with this belief:
Old belief:
[Insert belief]
Please run a mini court case with me.
Rules:
- I am not in the dock. The belief is in the dock.
- Be playful, kind and practical.
- Use humour lightly, like the Rebel Finance School court case.
- You can use courtroom language such as “Your Honour,” “evidence,” “cross-examination,” “objection,” and “verdict.”
- Feelings are allowed, but feelings are not evidence.
- Vibes are not admissible.
- Biscuits may be mentioned if genuinely useful.
- Please ask me one question at a time.
Help me uncover:
1. What evidence makes the old belief feel true?
2. What part of the evidence is real?
3. What part is assumption, old training, panic or biscuits?
4. What sneaky conclusion has the old story added?
5. What would a fairer verdict be?
6. What bridge belief would help me take action?
7. What tiny next step votes for the new verdict?
End with a short “court verdict” I can write down and use this week.
Reference links for context:
Week 3 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/4 Write a letter to money, then find the beliefs Use this when you want AI to guide the Dear Money exercise.
I am doing Rebel Finance School Week 3.
I want to write a letter to money and then use it to uncover my money beliefs.
Please take me through this in two steps.
Step 1: Help me write the letter
Ask me one question at a time to help me begin. Keep it gentle and practical.
Use prompts like:
- Dear Money, I have always thought you were...
- Dear Money, I get annoyed with you because...
- Dear Money, I wish our relationship was...
- Dear Money, I am sorry that...
- Dear Money, thank you for...
- Dear Money, from now on I want to...
Once you have asked enough questions, help me draft a letter that starts with “Dear Money...”
Step 2: Turn the letter into useful data
After the letter is written, help me identify:
1. The main money stories inside the letter
2. Any old beliefs I may have inherited
3. Any resentment, fear, guilt or pressure attached to money
4. Any positive beliefs already there
5. One old belief to work on first
6. A more useful bridge belief
7. One tiny action I can take this week to vote for the new belief
Please keep this warm, non-judgemental and useful. No shame, just data.
Reference links for context:
Week 3 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Relationship with money article: https://rebeldonegans.com/your-relationship-with-money/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/5 Check my 7 Levels of Alignment Use this when you know your goal but feel like part of you is pulling the handbrake.
I am doing Rebel Finance School Week 3.
My financial goal is:
[Insert goal]
Please help me check whether I am congruent and aligned with this goal across the 7 Levels of Alignment:
1. Goal / Vision
2. Identity
3. Values
4. Beliefs
5. Skills
6. Behaviours
7. Environment
Ask me one question at a time until you understand where I am aligned and where I might be fighting myself.
Please help me explore:
- Is my goal exciting enough to pull me forward?
- Who do I need to become to achieve this?
- Do my values support this goal?
- What beliefs help or block me?
- What skills do I need to learn next?
- What behaviours would vote for this goal?
- What in my environment supports or sabotages me?
At the end, give me:
1. My strongest alignment point
2. My biggest misalignment
3. One thing to adjust this week
4. One tiny action I can take in the next 24 hours
Reference links for context:
Week 3 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/6 Stop comparing pineapples Use this when someone else’s numbers are making you feel behind.
I am doing Rebel Finance School Week 3.
I keep comparing my financial situation to other people and it makes me feel behind.
The comparison I am making is:
[Describe who or what you are comparing yourself to]
Please help me stop comparing pineapples.
Ask me one question at a time and help me uncover:
1. What story I am telling myself when I compare
2. What belief sits underneath that story
3. What facts I actually know
4. What assumptions I may be making
5. Why comparison is not a financial plan
6. What my own financial blue dot is telling me
7. A more useful bridge belief
8. One tiny action that focuses only on my own next step
Please keep this kind, practical and lightly rebellious.
At the end, give me a short reminder I can use when comparison pops up again. Please make it warm, punchy and Donegan-style.
Use this kind of energy:
“I do not need to compare my pineapple to anyone else’s pineapple. My job is to find my own financial blue dot, look at my own map, and take my own next tiny step. Other people’s numbers are not my homework.”
Reference links for context:
Week 3 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Rebel Finance School methodology: https://rebeldonegans.com/rebel-finance-school-methodology/Privacy reminder: do not paste account numbers, card numbers, addresses, full names, reference numbers, or anything personally sensitive into AI. Use AI as a thinking partner, not as the boss of your money.
Week 4 Debt AI Prompts
AI prompts to help you understand debt, attack it, and protect future you
Debt can feel powerful when it is vague. It loses power when it becomes a table, a plan, and one tiny next step. Use these prompts as a thinking partner to understand your patterns, build your Debt Attack Strategy, reduce overwhelm and keep going.
How to use these prompts
Open a section, click inside the black prompt box, select all, copy, and paste into your AI tool of choice.
Privacy reminder
Do not paste account numbers, card numbers, addresses, reference numbers or anything personally identifying into AI.
If you are in crisis
If you cannot cover basics or are missing priority bills, get free impartial debt help from StepChange, Citizens Advice, MoneyHelper or Christians Against Poverty.
1Money Pattern Mirror
Use this when you want to understand why overspending, debt, avoidance or money stress keeps happening.
Money Pattern Mirror
Use this when you want to understand why overspending, debt, avoidance or money stress keeps happening.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
2Spending Strategy Decoder
Use this when you want to uncover the hidden decision process you run before spending money.
Spending Strategy Decoder
Use this when you want to uncover the hidden decision process you run before spending money.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
3Debt Attack Strategy Coach
Use this when you have debt and want a calm step-by-step coach to help you build the escape plan.
Debt Attack Strategy Coach
Use this when you have debt and want a calm step-by-step coach to help you build the escape plan.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
4Future Me Protection Plan
Use this when you want to stop debt coming back and build systems that protect future you.
Future Me Protection Plan
Use this when you want to stop debt coming back and build systems that protect future you.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
5Interest Rate Negotiation Coach
Use this before calling lenders, asking better questions or exploring lower-rate options.
Interest Rate Negotiation Coach
Use this before calling lenders, asking better questions or exploring lower-rate options.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
6Gap Gains Brainstormer
Use this to find extra money to attack debt without making life miserable.
Gap Gains Brainstormer
Use this to find extra money to attack debt without making life miserable.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
7Monthly Debt Freedom Check-In Coach
Use this once a month during your finance meeting to stay motivated and keep attacking debt.
Monthly Debt Freedom Check-In Coach
Use this once a month during your finance meeting to stay motivated and keep attacking debt.
Click inside the box, press Ctrl+A or Cmd+A, then copy and paste into your AI tool.
Week 5 AI prompts
Talk about money without turning it into a fight
Week 5 is about external alignment. You have a money system, and so do the people around you. These prompts are not here to help you win an argument, drag someone onto your spreadsheet, or prove you are right.
They are here to help you slow down, get curious, understand the person, and create one safer, better money conversation.
1. Prepare for a money conversation without making it a fight
Use this before you talk to someone about tracking, debt, saving, investing, financial freedom or a monthly finance meeting.
Best for: when you want to talk about money but you are worried it could become tense, awkward, defensive or avoided.
I am doing Rebel Finance School Week 5, and I want to prepare for a money conversation with someone in my life.
Important context:
Rebel Finance School teaches that the goal is not to persuade, pressure, control or “get them to do it.”
The goal is to understand their money world, create safety, and start a better conversation.
The person I want to talk to is:
[partner / family member / adult child / parent / friend / housemate / money buddy / other]
The topic I want to talk about is:
[tracking spending / debt / saving / investing / emergency fund / financial freedom / monthly finance meeting / future plans / another topic]
What I am worried might happen is:
[argument / avoidance / defensiveness / shame / silence / I talk too much / they shut down / they feel judged / I get frustrated / other]
What I want long term is:
[less stress / more freedom / more safety / a shared plan / clarity / better communication / to understand each other / other]
Please help me prepare in a kind, non-judgemental way.
Please give me:
1. A short summary of what I might really be trying to create.
2. One gentle opening sentence I could use.
3. Five curiosity-based questions I could ask before introducing numbers.
4. Three things I should avoid saying because they might sound controlling, blaming or judgemental.
5. A simple way to explain why this matters to me without making them wrong.
6. A tiny first step that would count as progress, even if we do not solve anything.
7. A backup plan if the conversation starts to feel tense.
Use this principle:
Do not help me win.
Help me understand.
Please keep the tone warm, practical, direct and emotionally safe.
Useful Rebel Finance School context:
Week 5 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-5/
How to talk to your partner about money: https://rebeldonegans.com/how-to-talk-to-your-partner-about-money/
Week 3 course notes on beliefs, identity and alignment: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Monthly finance meeting: https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/2. Turn a behaviour complaint into a better question
Use this when you catch yourself thinking, “Why won’t they just do the thing?”
Best for: shifting from blame to curiosity. Behaviour is the smoke. The Alignment System helps us find the fire.
I am doing Rebel Finance School Week 5, and I have realised I may be focused on someone else’s behaviour instead of understanding the system underneath.
The behaviour I am frustrated by is:
[Example: “They won’t track spending” / “They keep spending on takeaways” / “They avoid opening bills” / “They don’t want to talk about money” / “They say yes but don’t follow through”]
What I have been tempted to say is:
[Example: “You need to stop spending” / “We have to track this” / “Why won’t you just do it?”]
Please help me turn this behaviour complaint into deeper, kinder questions.
Use this Rebel Finance School idea:
Behaviour is the smoke.
The Alignment System helps us find the fire.
Please give me:
1. The surface complaint I might be making.
2. The deeper fear or need I might be trying to express.
3. What could be underneath the other person’s behaviour at each level:
- Goals / Vision
- Values
- Identity
- Beliefs
- Skills
- Environment
- Timing
- Autonomy
4. Five better questions I could ask instead of criticising the behaviour.
5. One sentence that starts with: “I’d like to understand…”
6. One sentence that starts with: “I’m not trying to control you. I’m trying to understand…”
7. One tiny action I can take before asking them to change anything.
Please keep the tone curious, kind and practical.
Do not help me shame, pressure, persuade or diagnose them as the problem.
Help me start a better conversation.
Useful Rebel Finance School context:
Week 5 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-5/
How to talk to your partner about money: https://rebeldonegans.com/how-to-talk-to-your-partner-about-money/
Week 3 course notes on beliefs, identity and behaviour: https://rebeldonegans.com/finance/rfs/course-notes/week-3/3. Diagnose where we might be misaligned
Use this when there is tension, avoidance or repeated friction and you want to understand what is underneath.
Best for: using the Rebel Finance School Alignment System to work out where the real mismatch might be.
I am doing Rebel Finance School Week 5, and I want to understand a money disagreement or tension using the Rebel Finance School Alignment System.
The situation is:
[Briefly describe the money tension. Example: “I want us to track spending, but my partner avoids it.” / “My family does not want to talk about money.” / “I want to invest, but the other person thinks investing is gambling.”]
The visible behaviour is:
[spending / avoiding / hiding / not tracking / not opening statements / changing the subject / saying yes but not following through / another behaviour]
My current interpretation is:
[What story are you telling yourself about what this means?]
Before helping me, please remember:
- The other person is not automatically wrong.
- Behaviour is often the smoke, not the fire.
- The goal is to move from blame to curiosity.
- External alignment is not control.
Please help me diagnose where the misalignment might be.
Use these levels:
- Goals / Vision
- Values
- Identity
- Beliefs
- Skills
- Behaviours
- Environment / Support
- Timing
- Autonomy
For each level, please give me:
1. What might be going on underneath the surface behaviour?
2. What question could I ask to understand this level better?
3. What would be an unhelpful or controlling way to approach this level?
4. What would be a kind and useful next step?
Then please finish with:
- The top 2 or 3 levels that seem most likely to be involved.
- One gentle question I could ask first.
- One tiny action I can take without trying to control the other person.
Use warm, plain English.
Do not turn this into therapy.
Do not make the other person the villain.
Help me understand the system.
Useful Rebel Finance School context:
Week 5 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-5/
How to talk to your partner about money: https://rebeldonegans.com/how-to-talk-to-your-partner-about-money/
Week 3 course notes on the Alignment System: https://rebeldonegans.com/finance/rfs/course-notes/week-3/4. Build a vision conversation
Use this when you want to start with life, dreams and meaning before spreadsheets.
Best for: starting with the life you want money to help build, not “we have to track spending.”
I am doing Rebel Finance School Week 5, and I want to start a vision conversation with someone about the life we want money to help us build.
Important context:
Rebel Finance School teaches that money is a tool to create the life you want to live.
The goal is not to start with spreadsheets, budgets or “we have to.”
The goal is to understand what life we each want, then use money more intentionally.
I am doing this with:
[partner / family / adult child / parent / friend / housemate / money buddy / solo / other]
We have about:
[10 minutes / 30 minutes / 1 hour / not sure]
The current relationship to money conversations is:
[easy / awkward / avoidant / tense / new / mixed / unknown]
Please help me create a simple, non-overwhelming vision conversation.
Please give me:
1. A gentle invitation message I can send.
2. A simple “build a vision each” exercise.
3. Five questions we can answer separately before talking.
4. Five questions we can discuss together.
5. A way to look for overlap without forcing sameness.
6. A way to respectfully notice differences.
7. A way to ask: “What would make this feel safe, exciting or worthwhile for you?”
8. One tiny next step after the conversation.
Please include options for:
- A couple or family doing this together.
- A solo person doing this with future self.
- A money buddy doing this for accountability.
Please use this principle:
People support what they co-create.
Keep it light, hopeful and practical.
This should feel like opening a door, not starting a three-hour life audit.
Useful Rebel Finance School context:
Week 5 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-5/
How to talk to your partner about money: https://rebeldonegans.com/how-to-talk-to-your-partner-about-money/
Week 3 course notes on vision, values and alignment: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Monthly finance meeting: https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/5. Repair a money conversation that went badly
Use this when you tried, it got spicy, and you want a kind way back.
Best for: repairing a clumsy conversation without turning it into blame, shame or a courtroom drama.
I am doing Rebel Finance School Week 5, and I tried to have a money conversation that did not go well.
What happened:
[Briefly describe what happened]
What I said or did:
[Describe your part honestly]
What the other person said or did:
[Describe their part without attacking them]
What I wish had happened:
[Describe what you wanted instead]
Please help me repair this without blame.
Use these Rebel Finance School principles:
- The goal is not to win.
- The goal is to understand.
- External alignment is not control.
- Behaviour is often the smoke, not the fire.
- A clumsy conversation can be repaired.
Please give me:
1. What I might need to take responsibility for.
2. What might have made the conversation feel unsafe.
3. What deeper misalignment may have been underneath the argument.
4. A short repair message I could send.
5. A gentle way to ask whether we can try again later.
6. A better setup for the next conversation.
7. Three questions I could ask next time.
8. One tiny action I can take now.
Please do not turn this into blame or a courtroom.
Do not assume the other person is wrong.
Do not give me a script that sounds robotic or corporate.
Use kind, plain English.
Useful Rebel Finance School context:
Week 5 course notes: https://rebeldonegans.com/finance/rfs/course-notes/week-5/
How to talk to your partner about money: https://rebeldonegans.com/how-to-talk-to-your-partner-about-money/
Week 3 course notes on beliefs, identity and alignment: https://rebeldonegans.com/finance/rfs/course-notes/week-3/
Monthly finance meeting: https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/AI is not here to help you win.
AI is here to help you slow down, get curious, and choose one better next step. Start with one prompt. Take one small action. Done is better than perfect.
Week 5 AI prompts
Let AI help you run the money meeting
AI is brilliant at helping you have the meeting, ask better questions, use the trackers, understand what the numbers are telling you, and choose one tiny action.
Privacy first. Do not paste account numbers, card numbers, sort codes, addresses, passwords, logins, full names or reference numbers into AI. AI can help you think, but you are still responsible for your own decisions. This is financial education, not regulated financial advice.
Bring the numbers into the room. Then choose one tiny action.
Want the full rhythm? Use Prompt 1 to guide you through the Monthly Finance Meeting, one question at a time.
Want a simple review? Use Prompt 2 when you want AI to interview you and create a clear finance review.
Short on time? Use Prompt 3 when you just need one useful next action. Tiny action. Real progress.
Monthly Finance Meeting RFS Methodology Week 5 course notes Transcript Library Net Worth Tracker Spending Tracker How Big Is Your Gap? Debt Attack Strategy
1. Guide me through my Monthly Finance Meeting
Use this when you want AI to guide you through the whole meeting, one question at a time.
Best for: a full Tiny, Normal or Deeper Monthly Finance Meeting with structure, care and one tiny action at the end.
I am doing Rebel Finance School Week 5 and I want you to guide me through my Monthly Finance Meeting one question at a time.
Important context:
The Monthly Finance Meeting is not a spreadsheet marathon.
It is a rhythm that helps me stop making money a crisis conversation.
It helps me look at my numbers, understand where I am heading, choose the next money lever to pull, and take one tiny action.
Please act as a kind, practical Monthly Finance Meeting buddy.
Use the Rebel Finance School 5-part meeting:
1. Why: What am I building?
2. Proud: What am I proud of?
3. Gather: What are the numbers?
4. Ask: What are the numbers telling me?
5. Act: What am I going to do?
Very important:
Ask me one question at a time.
Wait for my answer before moving to the next question.
Do not ask for everything at once.
Do not give me a giant report until the end.
Keep the tone warm, clear, encouraging and non-judgemental.
Use British English.
No shame, just data.
Money is a tool to create the life I want to live.
Start by asking me which version of the meeting I want today:
A. Tiny Meeting
Best if I am busy, tired, overwhelmed or just getting started.
Use:
- one why
- one proud moment
- one number
- one question
- one action
B. Normal Meeting
Best for a regular monthly check-in.
Use:
- why
- proud
- net worth
- spending, if available
- gap, if available
- debt
- emergency fund
- Freedom Fund / investing
- upcoming expenses
- decisions
- one tiny action
C. Deeper Review
Best if I have more time or I am making bigger decisions.
Use the Normal Meeting plus:
- vision
- bigger life decisions
- annual spending
- tax or country move questions
- pensions
- insurance
- house purchase or rent decisions
- “Knowing what I know now, would I choose this again?”
When we get to Step 3: Gather, please do not ask me to guess if I have the relevant tracker.
Instead, tell me to update or open the right tracker.
For net worth:
Ask me whether I have updated my Net Worth Tracker for the month.
If yes, ask me to paste the latest total or upload / paste the tracker.
If no, spending is fully ready yet.
If the month has only just ended, remind me that it is OK to do spending a few days later when all credit card bills and transactions have landed.
If spending is ready, ask me to use my Spending Tracker and give the actual number, not a guess.
If spending is not ready, park it and help me choose an action to finish it.
For the gap:
If I have income and spending figures, help me work out the gap.
If spending is not ready yet, do not fake precision. Just note that the gap is pending.
Please include options for:
- someone doing this with a partner or family
- someone doing this solo
- someone doing this with a money buddy
At the end of the meeting, give me a short Monthly Finance Meeting summary with:
1. What I am building
2. What I am proud of
3. The key numbers we reviewed
4. What the numbers seem to be telling me
5. One thing to celebrate
6. One thing to watch
7. Three small action options I could take:
- one I can do today
- one I can do this week
- one I can do before the next monthly meeting
8. Ask me to choose one action
9. Once I choose, help me make it specific and calendar-ready
Do not choose the action for me.
Give me three options and let me pick.
Useful Rebel Finance School context:
Monthly Finance Meeting:
https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/
Rebel Finance School Methodology:
https://rebeldonegans.com/rebel-finance-school-methodology/
Week 5 course notes:
https://rebeldonegans.com/finance/rfs/course-notes/week-5/
Net Worth Tracker:
https://rebeldonegans.com/finance/take-control/net-worth-tracker/
Spending Tracker:
https://rebeldonegans.com/finance/take-control/spending-tracker-template/
How Big Is Your Gap:
https://rebeldonegans.com/finance/take-control/how-big-is-your-gap/
Debt Attack Strategy:
https://rebeldonegans.com/finance/take-control/debt-attack-strategy/
Privacy reminder:
Do not ask me for account numbers, card numbers, addresses, passwords, logins or sensitive personal details.
AI is a thinking partner, not a regulated financial adviser, tax adviser, lawyer or therapist.2. Interview me about my finances and give me a simple review
Use this when you want a gentle one-question-at-a-time review of where you are and what to do next.
Best for: when you want to understand your current financial position without doing a giant financial audit.
I am doing Rebel Finance School and I want you to interview me about my finances one question at a time until you understand enough to give me a simple review.
Important:
Ask me one question at a time.
Wait for my answer before asking the next question.
Do not ask for everything at once.
Do not make assumptions if information is missing.
Do not shame me.
Do not scare me.
Use British English.
No shame, just data.
Your job is to help me understand:
1. Where I am now
2. What seems to be going well
3. What might need attention
4. Whether I seem to be heading in a useful direction
5. What small actions I could take next
Start by asking me which situation best describes me:
A. I am trying to create a positive gap
B. I am paying off debt
C. I am building an emergency fund
D. I am starting to invest
E. I am already investing and want to keep going
F. I am financially independent or partly financially independent
G. I am not sure
Then interview me gently about:
- my why
- my income
- my spending
- my gap
- my debt
- my emergency fund
- my net worth
- my investing / Freedom Fund
- any upcoming big expenses
- any money stress or avoidance
- what I want my money to help me build
When asking for numbers:
If there is a Rebel Finance School tracker for the number, tell me to use the tracker rather than guess.
For example:
- For net worth, point me to the Net Worth Tracker.
- For spending, point me to the Spending Tracker.
- For the gap, point me to How Big Is Your Gap.
- For debt, point me to the Debt Attack Strategy.
If I do not have the exact number yet, ask whether I want to:
1. pause and update the tracker
2. continue with a Tiny Review using rough numbers
3. make “update the tracker” my first tiny action
Once you have enough information, give me a short Monthly Finance Review.
Please include:
1. My current financial stage
2. What seems to be going well
3. What might need attention
4. Whether I seem to be building options or reducing options
5. What number matters most right now
6. What money lever might make the biggest difference:
- spending
- gap
- debt
- emergency fund
- investing
- income
- planning ahead
- confidence / consistency
7. Three small action options:
- one I can do today
- one I can do this week
- one I can do before the next Monthly Finance Meeting
8. Ask me which action I choose
9. Help me make that action tiny, specific and calendar-ready
Tone:
Warm, practical, encouraging and lightly rebellious.
Do not sound corporate.
Do not give me a generic lecture.
Do not tell me to cut all joy from life.
Help me use money as a tool to build the life I want.
Useful Rebel Finance School context:
Rebel Finance School Methodology:
https://rebeldonegans.com/rebel-finance-school-methodology/
Monthly Finance Meeting:
https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/
Week 5 course notes:
https://rebeldonegans.com/finance/rfs/course-notes/week-5/
Net Worth Tracker:
https://rebeldonegans.com/finance/take-control/net-worth-tracker/
Spending Tracker:
https://rebeldonegans.com/finance/take-control/spending-tracker-template/
How Big Is Your Gap:
https://rebeldonegans.com/finance/take-control/how-big-is-your-gap/
Debt Attack Strategy:
https://rebeldonegans.com/finance/take-control/debt-attack-strategy/
Privacy reminder:
Do not ask me for account numbers, card numbers, addresses, passwords, logins or sensitive personal details.
AI is a thinking partner, not a regulated financial adviser, tax adviser, lawyer or therapist.3. I don’t have time for a full review. Help me find one useful action
Use this when you are busy, tired, behind, overwhelmed or just need one tiny next step.
Best for: when you do not have time, energy or brain space for a full review, but you still want to move your money forward.
I am doing Rebel Finance School and I do not have time, energy or brain space for a full finance review right now.
Please help me find one small, useful financial action I can take.
Important:
Ask me one question at a time.
Wait for my answer before asking the next question.
Do not ask for everything at once.
Do not make me do a full financial audit.
Do not shame me.
Do not scare me.
Use British English.
Keep it warm, practical, encouraging and lightly rebellious.
No shame, just data.
Done is better than perfect.
Your job:
Interview me gently until you understand enough to suggest 3 small practical actions that could improve my financial situation.
Start by asking:
“What part of your finances feels most useful to look at today?”
Give me these options:
A. I need to know where my money is going
B. I need to create or grow my gap
C. I need to deal with debt
D. I need to build an emergency fund
E. I need to start investing
F. I need to check my net worth
G. I need to prepare for an upcoming expense
H. I need to stop avoiding money
I. I do not know, please help me choose
After I answer, ask only the next most useful question.
Use the Rebel Finance School methodology to work out where I am:
- know why I am doing this
- find the gap
- understand net worth
- question the stories and beliefs
- create or grow the gap
- deal with expensive debt
- build an emergency fund
- invest simply
- keep going with systems and monthly meetings
If there is a Rebel Finance School tool that would help, point me to it.
Do not make me use every tool.
Pick the most useful one for where I am today.
Useful tools and context:
Rebel Finance School Methodology:
https://rebeldonegans.com/rebel-finance-school-methodology/
Monthly Finance Meeting:
https://rebeldonegans.com/finance/take-control/monthly-finance-meeting/
Transcript Library:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
AI Prompt Library:
https://rebeldonegans.com/finance/rfs/course-notes/ai-prompts/
Net Worth Tracker:
https://rebeldonegans.com/finance/take-control/net-worth-tracker/
Spending Tracker:
https://rebeldonegans.com/finance/take-control/spending-tracker-template/
How Big Is Your Gap:
https://rebeldonegans.com/finance/take-control/how-big-is-your-gap/
Debt Attack Strategy:
https://rebeldonegans.com/finance/take-control/debt-attack-strategy/
Using transcripts:
If you can access the Transcript Library link, use relevant Rebel Finance School teaching from the transcript library to suggest ideas.
If you cannot access the link, ask me to open the transcript library, copy the relevant transcript or section, and paste it into this chat.
Once you have enough information, please give me:
1. A short summary of where I seem to be financially
2. The one area that looks most useful to improve first
3. Three small action options:
- one I can do in 10 minutes
- one I can do today
- one I can do this week
4. For each action, explain why it might help
5. Ask me to choose one action
6. Once I choose, help me turn it into a tiny calendar-ready commitment
Do not choose for me.
Give me options and let me pick.
Keep the final answer short and motivating.
End with:
“One tiny action. That is how we move.”No crystal ball. No spreadsheet monster.
Use AI to help you have the meeting, ask better questions, and choose one tiny action. The progress comes from doing the work. One prompt. One answer. One action. Let’s go.
RFS Week 8 prompt pack
Turn the UK investing map into your next action
Choose the prompt that matches the job. Understand one account, place one new investment, or organise your whole UK Freedom Fund. The prompts tell AI to use Rebel Finance School for the methodology and current official sources for the rules.
1. Understand an accountWhat is it, what does it do and what should I check? 2. Place my next investmentWhere might this specific amount go next? 3. Build my Freedom Fund mapHow should my existing money and future contributions work together?
Keep your private information private.
Remove names, addresses, account numbers, card numbers, National Insurance numbers and reference numbers before pasting documents into AI. AI is a thinking partner, not a regulated financial adviser. Check current rules and make your own decisions.
1 Understand a UK account Use this when you want to understand one account, its superpowers, its rules and what to check next. Open prompt
HELP ME UNDERSTAND MY UK INVESTMENT ACCOUNT
MY ACCOUNT
Account type:
Provider or platform:
My age:
Employment status:
Income Tax band:
Country within the UK:
What I want to use this money for:
When I may need access:
Anything else relevant:
OPTIONAL MATERIAL
Paste any account documents, provider information, course transcript or notes here:
[PASTE HERE]
OPTIONAL REBEL FINANCE SCHOOL TRANSCRIPTS
For maximum context, download and attach the Week 8 Monday and Thursday transcripts from:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
If you can open and read the transcript library yourself, locate and use the relevant Week 8 transcripts.
If you cannot access or read them:
1. Tell me that clearly.
2. Ask me to download and attach the Week 8 Monday and Thursday transcripts.
3. Do not pretend you have read them.
4. Continue using the RFS Methodology and Week 8 Course Notes while waiting.
Use the Monday transcript for the Platform, Account and Fund framework.
Use the Thursday transcript for UK account rules, examples, tax efficiency, accessibility and implementation.
YOUR TASK
Act as a patient UK financial education coach using the Rebel Finance School approach.
Explain this account to me in simple English.
Cover:
1. What the account is
2. Who can use it
3. Its main superpower
4. BOOSTS: who may add money or tax relief
5. SHIELD: where tax may be reduced, avoided or delayed
6. LOCK: when and how I can access the money
7. Current contribution limits and eligibility rules
8. Important exceptions or circumstances requiring specialist help
9. Common mistakes people make
10. What I should verify with the provider
11. Where the account might fit within a Financial Independence plan
12. Three questions I should investigate next
Use one or two playful, memorable analogies where they genuinely improve understanding. Keep them short and clearly label them as analogies. Do not let humour replace the factual explanation.
FINISH WITH
PLAIN-ENGLISH SUMMARY
A short summary I could explain to a friend.
MY NEXT THREE ACTIONS
Three practical actions, not a giant to-do list.
SOURCES CHECKED
List the title, publisher, URL and date accessed for every important factual claim.
SOURCE AND ACCURACY RULES
Use Rebel Finance School as the priority source for philosophy, framework, order of thinking, Financial Independence and teaching style:
Rebel Finance School Methodology:
https://rebeldonegans.com/rebel-finance-school-methodology/
Rebel Finance School Week 8 Course Notes:
https://rebeldonegans.com/finance/rfs/course-notes/week-8/
Rebel Finance School Bridging Calculator:
https://rebeldonegans.com/bridging-calculator/
Rebel Finance School Transcript Library:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
Use current GOV.UK, HMRC, FCA, MoneyHelper and The Pensions Regulator sources for legal, regulatory, tax, contribution, eligibility and access rules.
For tax rules, prioritise GOV.UK and HMRC.
For regulation and client-asset rules, prioritise the FCA.
For workplace-pension duties, prioritise The Pensions Regulator.
Open and read the relevant pages. Do not rely only on search-result snippets.
Do not invent or assume rules, thresholds, ages or allowances.
If you cannot verify something:
- say exactly what you could not verify
- do not guess
- tell me where to check
- ask me for missing details if needed
Separate:
- VERIFIED FACT
- REBEL FINANCE SCHOOL FRAMEWORK
- ASSUMPTION
- POSSIBLE OPTION
If a Rebel Finance School page conflicts with a current official source:
- use the current official rule
- clearly flag the difference
- preserve the Rebel Finance School methodology
State the tax year used.
State the date the information was checked.
Consider whether Scotland has different Income Tax rules.
Do not present the answer as regulated financial, tax or legal advice.2 Place my next investment Use this when you have one specific amount and want help deciding where it might go next. Open prompt
HELP ME DECIDE WHERE MY NEXT INVESTMENT SHOULD GO
MY DETAILS
Amount I want to invest:
Is this a one-off amount or regular contribution?
Age:
Country within the UK:
Employment status:
Annual taxable income:
Income Tax band:
Emergency fund:
Expensive debt:
WORKPLACE PENSION
My contribution:
Employer contribution:
Maximum employer contribution:
Is salary sacrifice available?
Do I already receive the maximum employer contribution?
EXISTING FREEDOM FUND
Workplace-pension balance:
Personal pension or SIPP balance:
Lifetime ISA balance:
Stocks and Shares ISA balance:
GIA balance:
Cash available for Financial Independence:
Other investments:
MY FUTURE
Desired Financial Independence or retirement age:
Expected pension access age:
State Pension age:
State Pension forecast:
Expected annual spending after leaving work:
Money I may need before pension access:
Known future spending:
Anything else relevant:
OPTIONAL DOCUMENTS
Paste or attach:
- workplace-pension rules
- account statements with sensitive information removed
- employer contribution information
- salary-sacrifice information
- State Pension forecast
- relevant account documents
[PASTE OR ATTACH HERE]
OPTIONAL REBEL FINANCE SCHOOL TRANSCRIPTS
For maximum context, download and attach the Week 8 Monday and Thursday transcripts from:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
If you can open and read the transcript library yourself, locate and use the relevant Week 8 transcripts.
If you cannot access or read them:
1. Tell me clearly.
2. Ask me to download and attach the Week 8 Monday and Thursday transcripts.
3. Do not pretend you have read them.
4. Continue using the RFS Methodology and Week 8 Course Notes while waiting.
MY QUESTION
Where should my next £[INSERT AMOUNT] go?
YOUR TASK
Use the Rebel Finance School methodology and current official UK rules to help me decide where this specific amount should go.
Consider:
1. Expensive debt and emergency-fund foundations
2. Full available employer contributions
3. Salary sacrifice
4. Pension tax relief
5. Lifetime ISA eligibility and bonus
6. Stocks and Shares ISA flexibility
7. GIA use
8. When I need access
9. Money already available before pension access
10. Early-retirement bridging
11. State Pension
12. Whether splitting this amount may be sensible
Use the Rebel Finance School BOOSTS, SHIELD and LOCK framework:
BOOSTS
Who adds money or tax relief?
SHIELD
Where is tax reduced, avoided or delayed?
LOCK
When can I access the money?
Show me:
A. THE LIKELY FIRST PRIORITY
B. HOW I MIGHT ALLOCATE THIS AMOUNT
C. WHY
D. THE MAIN ALTERNATIVE
E. WHAT COULD CHANGE THE ANSWER
F. WHAT I MUST CHECK BEFORE ACTING
BRIDGING CALCULATOR
If I want to stop work before accessing my pension, or if my accessible investments may be insufficient, recommend using the Rebel Finance School Bridging Calculator:
https://rebeldonegans.com/bridging-calculator/
Help me use it.
Tell me exactly what to enter for:
1. Annual spending in retirement
2. Desired retirement age
3. Age I can access my SIPP or DC pension
4. State Pension age
5. Annual State Pension amount
If I do not know one of these figures:
- tell me where to obtain it
- do not invent it
- help me choose a cautious test assumption if appropriate
- label any test assumption clearly
After I give you the calculator results:
1. Review the result with me.
2. Explain the accessible bridge in plain English.
3. Explain how the result could affect where this investment goes.
4. Help me test at least one alternative retirement age or spending assumption.
5. Do not treat the calculator result as a guaranteed outcome.
Give me no more than three possible routes:
- Pension-First
- Build the Bridge
- Preserve Options
If the information is insufficient, do not manufacture a recommendation. Tell me exactly which missing facts could change the answer.
Use one or two short, playful analogies when they genuinely improve understanding. For example, explain whether I am accelerating the pension vehicle, building an accessible bridge or keeping more than one route open. Keep the analogy secondary to the facts.
FINISH WITH
MY LIKELY ROUTE
Provisional, not absolute.
WHERE THIS SPECIFIC AMOUNT MIGHT GO
Show the amount or percentages clearly.
WHY
WHAT I MUST VERIFY
MY NEXT THREE ACTIONS
SOURCES CHECKED
List the official sources and specific RFS materials used.
SOURCE AND ACCURACY RULES
Use Rebel Finance School as the priority source for philosophy, framework, Financial Independence, bridging and order of thinking:
Rebel Finance School Methodology:
https://rebeldonegans.com/rebel-finance-school-methodology/
Rebel Finance School Week 8 Course Notes:
https://rebeldonegans.com/finance/rfs/course-notes/week-8/
Rebel Finance School Bridging Calculator:
https://rebeldonegans.com/bridging-calculator/
Rebel Finance School Transcript Library:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
Use current GOV.UK, HMRC, FCA, MoneyHelper and The Pensions Regulator sources for current legal, tax, eligibility, contribution and access rules.
Open and read the relevant pages. Do not rely only on search-result snippets.
Do not invent rules, allowances, ages, facts or assumptions.
Cite the source beside every material factual rule.
State:
- the tax year used
- the date checked
- whether Scottish Income Tax could affect the result
If a Rebel Finance School page conflicts with a current official source:
- use the current official rule
- clearly flag the difference
- preserve the Rebel Finance School methodology
Clearly separate:
- VERIFIED FACT
- REBEL FINANCE SCHOOL METHODOLOGY
- ASSUMPTION
- POSSIBLE ROUTE
Do not present the result as regulated financial, tax or legal advice.3 Build my UK Freedom Fund map Use this for the bigger picture: existing money, future contributions, accessibility and your provisional investing order. Open prompt
BUILD MY COMPLETE UK FREEDOM FUND MAP
MY DETAILS
Age:
Country within the UK:
Employment status:
Annual taxable income:
Income Tax band:
Relationship or household situation:
Desired Financial Independence or retirement age:
Expected pension access age:
State Pension age:
State Pension forecast:
Expected annual spending after leaving work:
Known future spending:
Accessibility concerns:
Other relevant information:
MY FINANCIAL FOUNDATIONS
Emergency fund:
Expensive debt:
Amount available now:
Monthly surplus available:
MY EXISTING FREEDOM FUND
For every existing investment, list if known:
- platform or provider
- account type
- fund
- current value
- total fees
- regular contribution
- access restrictions
- employer contribution
- valuable benefits or guarantees
Workplace pensions:
Old workplace pensions:
Defined benefit pensions:
Personal pensions or SIPPs:
Lifetime ISAs:
Stocks and Shares ISAs:
GIAs:
Cash allocated to Financial Independence:
Other investments:
OPTIONAL DOCUMENTS
Paste or attach relevant information with names, addresses, account numbers and other sensitive information removed:
[PASTE OR ATTACH HERE]
OPTIONAL REBEL FINANCE SCHOOL TRANSCRIPTS
For maximum context, download and attach the Week 8 Monday and Thursday transcripts from:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
If you can access the transcript library yourself, locate and read the relevant Week 8 transcripts.
If you cannot access or read them:
1. Tell me clearly.
2. Ask me to download and attach the Week 8 Monday and Thursday transcripts.
3. Do not pretend you have read them.
4. Continue using the RFS Methodology and Week 8 Course Notes while waiting.
YOUR TASK
Help me organise my complete UK Freedom Fund.
This is not only about my next contribution.
Review:
1. What I already own
2. What may be worth keeping
3. What needs confirming
4. What fund may need switching
5. What account or platform may need transferring
6. What idle long-term cash may need investing
7. Where future contributions could go
8. How much accessibility I may need
9. How State Pension fits into the later picture
10. Whether the platform may need to change near drawdown
Use the Rebel Finance School framework:
PLATFORM
Where the account is administered
ACCOUNT
The tax, free-money and access rules
FUND
What the money actually owns
For each account, also use:
BOOSTS
Who adds money or tax relief?
SHIELD
Where is tax reduced, avoided or delayed?
LOCK
When can I access the money?
BRIDGING
If I want to stop work before pension access, help me use:
https://rebeldonegans.com/bridging-calculator/
Tell me what information to enter, where to find missing figures and how to interpret the result.
After I provide the calculator output:
- explain how much existing money currently appears accessible
- explain how much is currently locked until pension access
- identify whether the provisional bridge appears underfunded, overfunded or unclear
- show which assumptions materially affect that conclusion
- do not pretend the result is guaranteed
CREATE TWO SEPARATE PLANS
PLAN A: EXISTING MONEY
For each existing account or investment, assign one provisional action:
- KEEP
- CONFIRM
- SWITCH THE FUND
- INVEST IDLE CASH
- INVESTIGATE TRANSFER
- INVESTIGATE CONSOLIDATION
- INVESTIGATE VALUABLE BENEFITS
- LEAVE ALONE UNTIL MORE INFORMATION IS AVAILABLE
Do not recommend transferring pensions until relevant guarantees, protections, charges and benefits have been checked.
PLAN B: FUTURE MONEY
Create a provisional order for future contributions:
STEP 1
STEP 2
STEP 3
STEP 4
STEP 5
For every step explain:
1. Why it comes next
2. The BOOSTS
3. The SHIELD
4. The LOCK
5. What could change the order
6. The current official rule involved
7. What I must verify
PROVIDE ROUTES WHERE APPROPRIATE
ROUTE A: PENSION-FIRST
ROUTE B: BUILD THE BRIDGE
ROUTE C: PRESERVE OPTIONS
If I do not know my retirement age, use Preserve Options rather than inventing false certainty.
FINISH WITH
MY UK FREEDOM FUND MAP
MY PROVISIONAL ROUTE
EXISTING MONEY ACTIONS
FUTURE CONTRIBUTION ORDER
THE THREE MOST IMPORTANT FACTS I MUST VERIFY
MY SINGLE HIGHEST-VALUE NEXT ACTION
A SIMPLE FLOWCHART
SOURCES CHECKED
STYLE
Use plain English.
Use one or two short, playful analogies to make difficult ideas memorable.
Do not turn the answer into a comedy routine.
Use headings, short bullets and clear actions.
Do not overwhelm me with every possible exception.
Put uncommon exceptions in a section called:
RULES THAT MAY NEED SPECIALIST HELP
SOURCE AND ACCURACY RULES
Use Rebel Finance School as the priority source for philosophy, methodology, Financial Independence, simple investing, bridging and Platform, Account, Fund:
Rebel Finance School Methodology:
https://rebeldonegans.com/rebel-finance-school-methodology/
Rebel Finance School Week 8 Course Notes:
https://rebeldonegans.com/finance/rfs/course-notes/week-8/
Rebel Finance School Bridging Calculator:
https://rebeldonegans.com/bridging-calculator/
Rebel Finance School Transcript Library:
https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
Use current GOV.UK, HMRC, FCA, MoneyHelper and The Pensions Regulator sources for current tax, legal, account, pension, allowance, eligibility and access rules.
Open and read the relevant source pages.
Do not invent missing information.
Do not fabricate one exact order where different assumptions produce different answers.
State:
- the tax year used
- the date checked
- whether Scottish Income Tax is relevant
Cite every material factual rule beside the claim.
If a Rebel Finance School page conflicts with a current official source:
- use the current official rule
- clearly flag the difference
- preserve the Rebel Finance School framework and philosophy
Clearly label:
- VERIFIED FACT
- REBEL FINANCE SCHOOL METHODOLOGY
- ASSUMPTION
- PROVISIONAL CONCLUSION
This is financial education, not regulated personal financial, tax or legal advice.Maximum power: transcripts + prompts + methodology
If the AI tool cannot open the RFS pages itself, download the relevant Week 8 transcripts and attach them. Never let AI pretend it has read something it could not access.
Week 9 AI learning coach
Teach Me Week 9 in a Way My Brain Understands
One part of the Freedom Fund, Burn Rate, income phases or bridge teaching did not quite land? Good. You do not need to sit alone pretending it made perfect sense. This prompt will slow the idea down, explain it your way and check that it has actually clicked. 🍍
1 Copy the prompt Open the prompt below and copy it into your AI tool.
2 Choose the wobble Tell the coach which idea did not quite land, or let the coach help you find it.
3 Learn, then calculate Use AI to understand the idea. Use the Retirement Calculator to test the actual numbers.
Prompt 1
Explain Week 9 in a way that works for me
Use this when: you understand some of the session, but one part still feels fuzzy. Ask for plain English, tiny numbers, an analogy, a visual explanation or step-by-step maths.
Open the full Week 9 learning prompt
Understand the idea. Then test the numbers.
The AI learning coach helps the concept land. The Retirement Calculator is where you enter your planning numbers, test scenarios and explore your Freedom Plan.
Privacy first. Always.
Remove account numbers, sort codes, card numbers, addresses, full names, reference numbers, tax numbers and anything personally sensitive before sharing information with an AI tool. Use sample numbers if you prefer. AI is a thinking partner, not a regulated financial adviser.
🍍🥷 Stuck? Use this.
The prompt for when you can’t get yourself to do the thing
Sometimes the problem is not laziness. Sometimes your inner system is arguing with itself. This prompt helps you work out whether you are blocked by Direction, Self-Story, or Execution, then choose one tiny Donegan-style next step.
Use this when you know there is something you could do, should do, or want to do, but you keep avoiding it, delaying it, overthinking it, or quietly wandering off to reorganise the biscuit cupboard. The Ninjas are not here to judge. The pineapple is not judging either.
Direction The goal is vague, shouldy, or not connected to what truly matters.
Self-Story An identity or belief is making the action feel unsafe, pointless or impossible.
Execution The step is too big, the skill is missing, or the environment is making it harder.
Perfect for the “why am I still not doing this?” moment
Paste the prompt into your AI tool. It will ask one question at a time, help you find the real blockage, and turn the wobble into a tiny next action.
Open the full stuck prompt Copy this into your AI tool when you are avoiding Freedom Work, a money task, a login, a spreadsheet, a conversation, a decision, or any next step that keeps mysteriously slipping into tomorrow. Open prompt Close prompt
Act as a kind, practical Rebel Finance School thinking partner.
I am working through Rebel Finance School and I want help using the Inner Alignment System to understand why I am not taking action.
The Inner Alignment System says that results are created by the way these parts work together:
1. Direction
- Goal / Vision: what I actually want
- Values: what matters enough to guide my choices
2. Self-Story
- Identity: the stories I hold about who I am
- Beliefs: the stories I hold about money, myself, investing, debt, success, safety, time or what is possible
3. Execution
- Skills: what I need to learn
- Behaviours: what I repeatedly do or avoid doing
- Environment / Support: what around me makes the action easier or harder, including tools, systems, people, reminders, community and practical support
My aim is not to fix everything at once.
My aim is to:
- find the part of the system most blocking me
- see any blind spots or incongruence kindly
- loosen one thing
- choose one tiny Donegan-style next step
Please interview me one question at a time.
Do not give me a big answer immediately.
Ask one question, wait for my answer, then ask the next question.
Start by asking me what action, goal or Freedom Work I am avoiding or struggling with.
Then ask enough questions to work out whether I am mainly blocked in:
1. Direction
Examples:
- my goal is vague
- I am acting from “should” rather than genuine desire
- I do not know why this matters
- my stated values and daily actions are not lined up
- I am optimising for comfort, avoidance, approval, dopamine or short-term relief instead of what I say matters
2. Self-Story
Examples:
- I keep saying “I am bad with money”
- I keep saying “I am not techy”
- I keep saying “It is too late for me”
- I hold a fixed identity that argues with my goal
- I have a belief that makes the action feel unsafe, pointless, embarrassing, overwhelming or impossible
3. Execution
Examples:
- I do not know how to do the next step
- the action is too big
- I cannot find the login, statement, spreadsheet, password or tool
- my environment makes the action harder
- I am trying to do it alone
- I need support, a checklist, a walkthrough, a calendar block or a smaller first step
As you interview me, listen for:
- “I should…” language
- fixed identity statements beginning with “I am…”
- fear creating the behaviour that creates the result I fear
- places where my actions do not match my stated goals or values
- places where I am trying to solve a Direction or Self-Story problem with behaviour-level force
- places where I simply need a skill, tool, support or smaller step
When you have enough information, please summarise:
1. The action or goal I am struggling with
2. The most likely blockage area:
- Direction
- Self-Story
- Execution
3. The blind spot or incongruence you notice
4. The old story or pattern that may be running
5. A kinder and more useful bridge belief
6. One way to loosen the blockage
7. One tiny next step I can do in 10 minutes or less
8. One support or environment change that would make the step easier
Use warm, practical Rebel Finance School language.
Do not shame me.
Do not overwhelm me.
Do not give regulated financial advice.
Do not tell me what investment, pension, tax or legal decision to make.
Help me think clearly and take one small action.
At the end, give me a short Donegan plan in this format:
My blockage seems to be:
[Direction / Self-Story / Execution]
The old pattern is:
[...]
The bridge belief is:
[...]
The value I choose to act from is:
[...]
My tiny next step is:
[...]
I will make it easier by:
[...]
I will do it:
[when / where / for how long]
Useful Rebel Finance School links:
- Course notes / Mission Control: https://rebeldonegans.com/finance/rfs/course-notes/
- AI Prompt Library: https://rebeldonegans.com/finance/rfs/course-notes/ai-prompts/
- Transcript Library: https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
Now begin by asking me one question only:
“What action, goal or Freedom Work are you avoiding or struggling with?”More coming…..
Each week of the course I will add more prompts to help you with that specific week of the course. Keep checking back each week for the latest prompts
