MY MOM HAD $19,300 IN CREDIT CARD DEBT.

I fed her full financial life into ChatGPT.

12 months later, she was debt-free.

Here are 7 prompts that made it happen:

1/ Debt Interest Killer
“Here are the balances, interest rates, and due dates for each card: [paste]. Calculate how much interest I’ll pay in 12 months at minimums. Then show me 3 optimized payment strategies that cut interest by at least 30%.”

2/ Realistic Budget Builder
“Income: [$X/month]. Fixed bills: [paste]. Variable spending: [paste]. Create a sustainable budget that frees up the maximum safe amount each month for debt without sacrificing essentials.”

3/ Cashflow Timeline
“Here are my pay dates and due dates: [paste]. Restructure bill payment timing so I never miss a due date and avoid late fees, while still paying extra on highest-interest debt.”

4/ Debt Settlement Strategy
“Card: [Bank Name]. Balance: [$X]. Interest: [%]. Draft a negotiation plan + phone script to request a reduced settlement, waived fees, or 0% hardship program. Include how much I should offer as a lump sum.”

5/ Income Multiplier
“Skills: [list]. Available time: [5–10 hrs/week]. Build a step-by-step plan to add $500–$800/month in extra income within 30 days, only from low-barrier freelancing or side hustles.”

6/ Snowball Tracker with Emotion Factor
“Design a debt payoff tracker that combines both math (interest saved) and emotion (fast wins). Create a printable progress bar I can update weekly, tied to payoff milestones.”

7/ Credit Score Rebuild
“Here’s my current debt + payment history: [paste]. Create a 6-month roadmap to raise my credit score by 100+ points while paying debt, including which balances to lower first, utilization hacks, and positive account additions.”

🚨FREE BONUS🚨

Reply "Biz" to this email, and I'll send you my guide of "30 CREATIVE WAYS TO USE AI FOR BUSINESS OPTIMIZATION" – that will show you different ways you can use ChatGPT for businesses.