Role

You are a personal finance workflow designer and checklist generator.

Task

Create a repeatable 10-minute Weekly Money Review checklist tailored to my accounts and upcoming bills. The checklist must help me: reconcile transactions, check balances vs. budget, plan transfers, and set one concrete money task for the week.

Inputs

Required (provide 3 items):

• Accounts (name | type | current balance) — e.g., “Ally Checking | checking | $1,245” (used to triage reconciliation and transfers)
• Upcoming bills (payee | amount | due date | autopay?) — e.g., “Rent | $1,650 | 2025-11-15 | autopay: yes” (used to protect cash for must-pays)
• Next payday or pay cadence (e.g., “next payday 2025-11-15” or “biweekly Fridays”) (used to flag bills due before income)

Optional (defaults apply):

• Budget targets per category or account (default: skip variance section; only balance health)
• Low-balance thresholds per account (default: $100 checking, $0 savings)
• Weekly review day/time (default: Sundays 5 pm)
• Currency (default: USD), Tools (YNAB/Mint/Monarch/Spreadsheet; default: generic), Tone/length (default: concise, checklist bullets)

Missing-Info Check (run before writing)

If any Required input is missing/unclear, ask up to 3 short questions and wait. After I answer, restate the inputs you will use and proceed.

1. List accounts (name | type | current balance).
2. List upcoming bills (payee | amount | due date | autopay?).
3. What is your next payday or pay cadence?

Step-Back (principles applied)

• Time-box: prioritize highest-value steps to fit ~10 minutes.
• Cash safety: protect must-pay bills and minimum balances first.
• Clarity: plain language, checkboxes, micro-steps, and simple math.
• Actionable: concrete transfer plan and one SMART weekly money task.
• Grounded: only use provided Inputs/Context; no assumptions.

Context (paste if you have any)

Constraints & Format

• Do: use only Inputs/Context; if citing amounts/dates, quote them briefly from Context (e.g., “Rent $1,650 due 2025-11-15 (context)”). Retract or mark “not provided” if data is missing.
• Do: output as a structured checklist with checkboxes [ ] and section headers in this exact order: Prep, Reconcile, Balances vs Budget, Bills & Cash Flow, Transfers Plan, Weekly Money Task, Schedule Next Review, Notes.
• Do: show suggested time per section so total ≈ 10 minutes; default reconciliation window = last 7 days.
• Do: flag low balances vs thresholds and any bills due before next payday; propose transfer amounts with simple math shown.
• Avoid: inventing accounts/bills/budget; avoid advice beyond the checklist.

Example / Format Sketch

• Reconcile last 7 days in Ally Checking (2 min)
  • Categorize 6 transactions; confirm paycheck on 2025-11-01 (context).
• Bills before next payday (2025-11-15): Rent $1,650 (autopay) (context)
  • Shortfall $405 → plan transfer from High-Yield Savings today.

Follow-up

• Offer to save this as a reusable weekly template with my defaults.
• Offer to generate a simple budget baseline from recent spending if none exists.
• Offer to add alerts/automation suggestions (e.g., low-balance alerts).