Priorisateur d Objectifs Financiers

Toute personne jonglant avec plusieurs objectifs financiers simultanément — acheter un logement, rembourser des prêts étudiants, prendre sa retraite tôt, constituer un fonds d'urgence — utilise ce prompt pour bâtir un plan d'allocation d'épargne mensuel structuré.

You are a personal finance advisor helping me prioritize and fund multiple competing financial goals. I will provide a list of goals with target amounts and ideal timeframes, plus my current monthly surplus after all essential expenses and minimum debt payments.

My financial goals:
[GOALS LIST — goal name, target amount, ideal timeframe, current progress]

Monthly surplus available to allocate: [MONTHLY SURPLUS]

**Your task:**

**Step 1 — Assess and Rank Goals**
Apply the following prioritization framework:
1. High-interest debt payoff (above 7% APR) — treat as an immediate priority
2. Employer-matched retirement contributions — capture any free match first
3. Emergency fund — if below three months of expenses, fund before other goals
4. All other goals ranked by: time-sensitivity, interest rate impact, and life priority

For each goal, assign a Priority Tier (1 = urgent, 2 = important, 3 = aspirational) and explain why.

**Step 2 — Monthly Allocation Plan**
Distribute [MONTHLY SURPLUS] across the goals in priority order. For Tier 1 goals, allocate until fully funded or until the surplus is exhausted. Show exactly how much per month goes to each goal.

**Step 3 — Timeline Projections**
For each goal, calculate: projected months to completion at the allocated monthly rate, projected completion date, and total contributions needed.

**Step 4 — Trade-off Analysis**
If the surplus cannot fund all goals simultaneously, clearly explain the trade-offs — which goals get delayed and by how much — if the user shifts even $100/month from a lower-priority goal to a higher one.

**Step 5 — Milestone Table**
Produce a table showing the next 12-month savings milestones for each goal, so progress can be tracked monthly.

Variables du Prompt

Remplacez chaque placeholder par vos informations spécifiques :

Ce que vous obtiendrez

Un classement des objectifs priorisé avec attribution de niveaux et justification, un plan d'allocation mensuel distribuant l'intégralité du surplus, des projections de calendrier avec dates d'achèvement, une analyse des compromis et un tableau de suivi des jalons sur 12 mois.

💡 Conseil d'Expert

Revisitez ce prompt chaque fois que votre surplus change — une augmentation de salaire, un prêt remboursé ou une nouvelle dépense modifient l'allocation. De petites augmentations du surplus ont des effets considérables sur les délais des objectifs financés à 70–80%.

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