A free personal finance challenge
Your money has a story.
Let's find out where it can take you.
Set a savings or debt payoff goal, uncover spending opportunities, and build your own personalized roadmap using ChatGPT.
No signup. No bank connection. No financial documents collected by this website.
What are you working toward?
Big goals get easier to understand when you can see the numbers behind them.
Save for a home
Build your down payment or closing-cost fund.
Pay off debt
Explore spending changes that could free up debt payments.
Emergency fund
Create more breathing room for unexpected expenses.
Something else
A trip, car, family goal, or another milestone.
Step one: make the math visible
What's your goal?
Enter a few numbers to create your own starter plan. Your entries stay in this browser page and aren't submitted to us.
For debt payoff, leave this at $0. The analysis will account for your existing debt payments.
We'll use these answers to personalize the instructions you copy into ChatGPT. No personal or financial transaction data is requested here.
Three simple steps. One clearer picture.
The website handles goal setting. Your own ChatGPT session handles your private spending analysis.
Choose your destination
Set your goal and timeline. See the monthly and weekly targets immediately.
Review and copy your prompt
Check the privacy tips, then copy your customized financial coaching prompt.
Explore your roadmap
Paste the prompt into ChatGPT. If comfortable, upload redacted transactions directly in your own account, then get a practical plan.
Before you share any financial information
Your financial details belong to you.
This page never asks you to upload statements. If you choose to analyze your spending, you do it in your own ChatGPT account, under its settings and policies.
✓ Do this first
- Prefer transaction exports (CSV) containing only date, description, amount, and the minimum information necessary to categorize purchases.
- Remove account and routing numbers, personal addresses, names, member IDs, and unrelated details.
- Include all relevant checking and credit card transactions to avoid misleading results, but never share passwords or login credentials.
- Review ChatGPT's Settings → Data controls before uploading.
- For additional privacy, consider starting a Temporary Chat and leave personalization off.
! Know the limitations
- Don't upload statements to DavidMonsour.com or email them to the business for this challenge.
- Don't share a ChatGPT conversation link that contains your bank information or financial plan.
- Temporary Chats may still be retained for up to 30 days for safety purposes.
- ChatGPT is an analysis aid, not a bank, credit counselor, or licensed financial adviser. Double-check all calculations.
- You may skip uploading data entirely and enter spending totals manually.
Step two: your customized guide
Here's your ChatGPT prompt.
Copy this prompt, open ChatGPT in your own account, and paste it into a new conversation. This site doesn't transfer your data or open a chat automatically.
Suggested data window: 90 days of transactions to start; six to twelve months when spending is seasonal or irregular. CSV is preferable when available. Analyzing transactions is optional.