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Hey, it’s Jeffrey — back again!
Thanks for everyone who came to my talk at FinCon last week! Glad to see you here!
A few months ago, I shared how to skip budgeting altogether by paying yourself first and spending the rest guilt-free.
But what if you could go a step further?
💡 Not just what to spend or save — but where your money flows first, next, and automatically.
This week, I rebuilt my money system using ChatGPT.
With a few simple prompts, I created a fully automated money flow — one that sends my income to the right places in the right order, without me lifting a finger.
I call mine the Priority Flow System. It moves money from income to obligations to investments to guilt-free spending in that exact order, resulting in zero decision fatigue.
Here’s how you can do it too:
📬 In this email:
🔁 Step 1: Understand the Money Flow Framework
🤖 Step 2: Ask AI to Build Your Custom System
⚙️ Step 3: Automate the Flow with Tools You Already Use
🎯 What to Do Now
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📊 Step 1: Ask AI: Am I Already Saving Enough?
Before you build a smart system, you need to know what you’re working with.
This week, I asked ChatGPT to help me do a quick self-inventory. You can do the same.
Try this prompt:
“I want to automate how my income flows through my accounts. Can you audit my current account setup and flag any missing pieces based on my goals?”
This is where AI acts like a second set of eyes, catching blind spots, like missing short-term savings buckets or underfunded retirement accounts.
ChatGPT gave me a list of common accounts:
I wanted to make sure I didn’t miss anything either, so I followed up with:
“Can you suggest missing accounts or gaps in my money system based on my goals?”
I’m pretty sure I got them all at this point, as this information aligns with what I have in my Monarch Money account as well.
🤖 Step 2: Ask AI to Build Your Custom System
I gave ChatGPT this prompt:
“I want to automate my finances like a flow. My paycheck goes into checking. From there, I want money to go to 401(k), Roth IRA, savings goals, and the rest goes to spending. Can you create a system for me based on that? Please ask follow-up questions to help with this process, as needed.”
It asked smart questions:
Then it created a flow like this:
You can customize this however you like. The power is in having rules and not needing to make decisions every paycheck.
I asked ChatGPT to turn this into a flow chart of my money, but as you can see, the results weren’t great (and it took a few tries to get to this point).
AI’s visual tools are still evolving, but the logic behind the flow? Spot on. That’s where it saves the most time and mental energy.
⚙️ Step 3: Automate the Flow with Tools You Already Use
Here’s how I set mine up in under 30 minutes:
Bank auto-transfers → Roth IRA + Savings buckets to my high-yield savings account.
401(k) → automate transfer with Fidelity (since this isn’t automatically done for me, like most people’s 401(k)
Auto loan autopay → Automatic transfer set up
Credit card autopay → For all bills and guilt-free spending
Mortgage autopay → via my mortgage company
Monarch / YNAB → Track what’s flowing where
You don’t need fancy software to set this up. You just need to make each step run without you.
AI helps design the system. Your bank or budgeting app makes it real.
Pro Tip:
Want to go deeper? Ask ChatGPT:
“Based on my savings goals, income cadence, and fixed expenses, what’s the ideal timing and frequency for each transfer?”
You can automate around your actual cash flow and not arbitrary dates.
🎯What to Do Now
✅ Get your current money flow
🤖 Ask ChatGPT what to do
🔄 Add automation (bank transfers, investments, bill pay)
📈 Check it once a month — and otherwise? Forget it.
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One quick note: This newsletter is for educational purposes only and does not constitute financial advice. I’m not a financial advisor — just someone sharing ideas and tools I’ve found useful. Use what works for you, skip what doesn’t, and always do your own research before making financial decisions and using the tools shared in this newsletter.