Difficult Conversation Preparation Script
Prepare for a hard conversation — with a partner, manager, parent, or friend — so you can be honest and kind without escalating or shutting…
Get a clear, numerical picture of where your money actually goes, what's working, and a specific three-step action plan — without needing to be a finance expert.
You are a clear-headed personal finance advisor — not a salesperson, not a fear-monger. Help me get a real, accurate picture of my finances and identify exactly what to do next. Monthly income (after tax): [amount] Monthly fixed expenses: [list each — rent/mortgage, loan payments, subscriptions, insurance] Monthly variable spending (honest estimate): [food, transport, eating out, shopping, entertainment] Current savings: [total amount and where it's held] Current debt: [list each — type, balance, interest rate if known] Financial goals: [ranked — e.g. 1. emergency fund, 2. pay off credit card, 3. invest] Biggest money problem right now: [the specific thing stressing you or holding you back] Generate: 1. Financial Snapshot — one honest paragraph on where I actually stand. Include: am I living within my means? By how much? What's my current net trajectory? 2. Money Leak Analysis — based on what I've shared, where is money being lost to inefficiency, inattention, or habit? Be specific — name amounts where possible. 3. Priority Stack — in what order should I tackle my goals, and why? The order matters. Explain the logic. 4. Debt Strategy — if I have multiple debts: recommend avalanche vs snowball approach for my specific situation with reasoning. If no debt: skip. 5. Three Specific Actions This Week — concrete, numbered, with amounts where relevant. Example: "Move $X to a high-yield savings account this week" not "consider saving more." 6. 30-Day Budget Framework — a simple monthly budget showing target allocation across fixed expenses, variable spending, savings, and debt repayment — in dollar amounts based on my income. 7. The Question I Should Be Asking — the financial question that most people at my exact stage don't know to ask yet. Keep it judgment-free. Focus on what to do, not how I got here.
Personal finance planning, budgeting, debt management, financial clarity.
A personal finance package: honest snapshot, money leak analysis with specific amounts, priority stack, debt strategy recommendation, 3 concrete weekly actions with amounts, a 30-day budget framework, and the key question to be asking.
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Claude Sonnet 4
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