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Hey, it’s Jeffrey — back again!
Inflation may have cooled off — but prices are still high, and your money isn’t stretching as far as it used to.
If you haven’t changed how you save, spend, or invest, you might be quietly losing ground.
Full disclosure: I’m not someone who obsesses over inflation. But I still want to make sure I’m not losing money unnecessarily, especially when AI can help me take quick action.
That’s why this week, I asked ChatGPT:
“How can I protect my finances from inflation, based on my actual situation?”
The goal wasn’t just to get generic advice, but to customize strategies for how and where inflation could hit me hardest.
📬 In this email:
📋 Step 1: Use AI to Build a Personalized Inflation Checklist
🧠 Step 2: Spot Where Inflation Hurts You Most
🔍 Step 3: Evaluate Long-Term Investments (and Their Inflation Resilience)
🛠️ Tools That Can Help
🚀 What to Do Now
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THIS WEEK’S TESTED TOOLS AND STRATEGIES
📋 Step 1: Use AI to Build a Personalized Inflation Checklist
Generic inflation advice is everywhere — but it doesn’t always fit your life.
So I asked ChatGPT:
Build a checklist of things to evaluate for someone worried about inflation. Include income, expenses, savings, and long-term investments.
It gave me a list like:
✅ Move cash into a high-yield savings account
✅ Build or top up an emergency fund (3–6 months of expenses)
✅ Shift part of your savings into inflation-protected assets, such as Series I Bonds
✅ Review and rebalance your investments
You can customize this checklist by pasting in your own financial situation — even just rough numbers. ChatGPT will highlight areas that might need attention and suggest where inflation is likely to take the biggest bite.
🧠 Step 2: Spot Where Inflation Hurts You Most
Once you’ve got a checklist, use AI to dig deeper.
Next, I asked:
“Based on this spending breakdown, which categories are most vulnerable to inflation?”
I included all my 2025 transactions from my Monarch account.
For me, it flagged these categories and gave some details:
Groceries
Food prices are highly sensitive to inflation due to supply chain costs, energy prices, and agricultural shifts. This category is one of the most inflation-prone.
Eating Out
Restaurant costs rise with food inflation, wages, and rent. Dining out typically sees faster price hikes than groceries.
Utilities
Energy is one of the most volatile categories. Fuel and electricity costs spike quickly during inflationary periods.
Medical
Healthcare costs tend to rise steadily above general inflation, driven by wages, drug prices, and insurance premiums.
Insurance
Auto, health, and property insurance premiums often rise faster than core inflation, especially when claims and labor costs increases.
Travel & Vacation
Airfare, hotels, and related expenses in hospitality are highly sensitive to energy prices, seasonal demand, and wage costs.
That helped me focus on where I could actually take action — like shopping around for better insurance and setting smarter travel budgets.
Bonus: If you track your expenses in tools like Monarch or YNAB, you can export your category data and plug it right into ChatGPT for even better results.
🔍 Step 3: Evaluate Long-Term Investments (and Their Inflation Resilience)
Short-term cash is one thing — but inflation also quietly erodes long-term wealth if your retirement portfolio isn’t keeping up.
So I asked ChatGPT:
Here’s what I’m currently holding in my Fidelity retirement account — can you assess how inflation-resistant this mix is?
I pasted in a screenshot from Monarch, which took 2 seconds.
ChatGPT reviewed each part and gave me several pros and cons. Here are its suggestions and final summary:
It also flagged parts of my portfolio that might be more vulnerable to inflation, and suggested categories that tend to perform better when prices rise.
⚠️ A quick reminder: AI is great for surfacing ideas, but it’s not a substitute for professional advice. Before making big portfolio moves, check in with a financial advisor who understands your personal goals and risk tolerance.
🎯What to Do Now
✅ Ask ChatGPT to build you a personal inflation checklist
🔍 Plug in your expenses and find where inflation hits hardest
📊 Review your investment portfolio for inflation resilience
📥 Want the exact prompts I used? Just reply and I’ll send them over
🛠️ Want AI tools that can help with this? Just reply — I’ll send you my favorite ones.
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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.