Step 1: A clean data layer
Your income, bills, transactions, and goals live in predictable tabs. Without that structure, AI answers stay generic.
Step 2: The AI decision layer
The AI reads your numbers to answer questions like “Can I increase rent by $200?” or “How fast can I pay off this card?” and suggests trade‑offs.
Prompt → output examples
Example prompts and outputs: “Can I afford a $75 gym?” → shows monthly buffer impact; “What should I cut?” → lists top 3 drifting categories; “How fast can I save $3,000?” → gives a monthly target and date.
Next step
Ask one decision question per week and turn the answer into a single action. That is how AI turns into progress.