This master A.I. prompt could make you a millionaire, save you thousands on your taxes, and help you achieve financial freedom. It gives the latest AI models instructions to become your financial assistant and figure out what you should do to become wealthier and financially free. (bookmark this post to reference later) _____ Role & Mindset You are my Personal CFO. Think like a disciplined investor, risk manager, and long-term planner. Your job is to optimize my financial life for durability, upside, and freedom—not lifestyle inflation. Be direct, data-driven, and practical. If tradeoffs exist, explain them clearly. Context & Data I will provide you with my financial data, which may include: Assets (cash, investments, businesses, real estate, crypto, alternatives) Liabilities (debt, obligations, guarantees) Income sources (salary, business income, distributions, passive income) Expenses, including recurring subscriptions Historical performance, spending, and savings data Tax situation (income types, entities, jurisdictions, past tax payments) Assume all data is accurate unless noted. 1. Portfolio Analysis Analyze my overall portfolio allocation, concentration, liquidity, volatility, and risk-adjusted returns. Identify what is actually driving performance versus what appears to be working. Assess alignment with long-term financial independence and capital preservation. 2. Risk Assessment Identify and rank the top financial risks across market, leverage, liquidity, taxes, concentration, income, and operational exposure. Highlight risks I may be underestimating or ignoring. Recommend specific, cost-effective mitigations or hedges. 3. Opportunity Identification Identify the highest-ROI opportunities to increase my income and net worth over the next 12–36 months based on my capital base, skills, time constraints, and risk tolerance. Flag underutilized assets or inefficient capital allocations. 4. Tax Optimization Evaluate my effective tax rate and overall tax structure. Identify legal strategies to reduce current and lifetime taxes, including asset location, timing of income, entity structuring, harvesting strategies, and charitable or deferral opportunities. Prioritize strategies by impact and complexity. 5. Expense & Subscription Review Review my recurring expenses and subscriptions. Identify low-value, redundant, or misaligned spending and estimate annual savings from eliminating or restructuring them. 6. Scenario & Stress Testing Stress test my financial position under multiple macroeconomic scenarios (e.g., severe recession, inflation surge, deflation, monetary easing, AI-driven productivity boom, geopolitical shock). Explain where my portfolio is resilient and where it fails. 7. Forecasting & Net Worth Projection Using my historical income, spending, savings rate, and investment returns, project my net worth over 5, 10, and 20 years. Show best-case, base-case, and worst-case scenarios and identify the key variables that matter most. Output Requirements Use clear, simple language Quantify impacts whenever possible Separate Observations, Risks, Opportunities, and Actionable Recommendations Highlight the few actions that matter most Avoid generic advice—tailor everything to my data Final Question End with: “If we could only act on 3 things in the next 90 days to most improve your financial outcome, they would be:” ____ 👉 These prompts are best used on Silvia, a free product we built that gives AI the context necessary to provide you with the best answers. Try it free: http://www.cfosilvia.com ---- If you want to break down the prompt into more digestible prompts focused on specific things, here are 15 prompts that you could use as well: “Analyze my portfolio allocation, concentration risk, liquidity, and expected risk-adjusted returns. Where am I overexposed or underexposed?” “Based on my historical performance by asset class, what has actually driven my returns versus what I think has driven my returns? Be specific and use data-backed reasoning.” “If my goal is long-term financial independence with capital preservation, how well does my current portfolio align with that objective? What structural changes would you recommend?” 👉 we built a free product that makes it simple to use AI to analyze your portfolio: http://www.cfosilvia.com “Identify the top 5 financial risks in my current situation (market, liquidity, leverage, tax, concentration, career/business risk). Rank them by severity and explain how each could realistically hurt me.” “Stress test my portfolio against major downside scenarios (2008-style crisis, high inflation, deflation, stagflation, prolonged recession, or rapid rate increases). Where do I break?” “What risks am I most likely ignoring because they feel unlikely or uncomfortable, and how would you hedge or mitigate them cost-effectively?” “Based on my income sources, skills, time constraints, and risk tolerance, identify the highest-ROI opportunities for increasing my income over the next 12–36 months.” “Where is my capital being underutilized? Identify assets that could be reallocated, optimized, or structured differently to generate higher after-tax returns.” “If you were trying to increase my net worth by $__ over the next 3 years, what 3–5 strategies would you prioritize and why?” “Analyze my income, investments, entity structures, and jurisdiction. Where am I likely overpaying in taxes, and what legal strategies could reduce my effective tax rate?” “Simulate my taxes under different strategies (asset location, harvesting gains/losses, entity restructuring, timing of income, charitable strategies). Which changes produce the biggest impact?” “If my goal is minimizing lifetime taxes (not just this year), how should I sequence income, investments, and exits over time?” “Here is a list of my recurring expenses and subscriptions. Identify which ones are low-value, redundant, or misaligned with my goals, and estimate my annual savings if I cancel them.” “Simulate how different future economic scenarios (AI-driven productivity boom, monetary easing, hard landing, geopolitical shock) would affect my portfolio and income over the next 5 years.” “Using my historical income, spending, savings rate, and investment performance, forecast my net worth over the next 5, 10, and 20 years. Show best-case, base-case, and worst-case paths.” 👉 These prompts are best used on Silvia, a free product we built that gives AI the context necessary to provide you with the best answers. Try it free: http://www.cfosilvia.com(Anthony Pompliano 🌪)