AI Prompt to Check Whether Your Assets Match When You Will Need the Money

What you need

Fill in the snapshot template below with all your assets. For each one, add a few words on how you could get the money out: instant access, a notice period, a fixed term ending on a date, a pension you cannot touch until a certain age, or a property you would have to sell. Liabilities can stay empty, though a lump sum you must repay on a loan soon belongs in the expenses line.

Then list what the money is for. Goals need an amount and a year, even a rough one, and the five-year list should include anything large you can see coming: a car, a wedding, school fees, a roof repair. If a goal has no date yet, write "no date" and the model will treat it as long-term.

Keep everything in one currency, converting foreign holdings at one rate each.

Add these two lines below the snapshot:

• Goals with amount and year: [e.g. flat deposit €40,000 in 2028]
• Large expenses in the next five years: [e.g. car €15,000 in 2027, or "none"]

Here is my financial snapshot. Use only these numbers.

Currency: [e.g. EUR]
Date: [today's date]
Age: [optional]

ASSETS
[name] — [category: cash / stocks / ETFs / crypto / property / metals / other] — [value]
[name] — [category] — [value]
...

LIABILITIES
[name] — [type: mortgage / car loan / credit card / student loan / other] — [outstanding balance] — [interest rate if known]
...

CONTEXT (optional but improves the answer)
Monthly income after tax: [amount]
Monthly spending: [amount]
Amount I add to savings or investments each month: [amount]
Value of the same assets 12 months ago: [amount]

The prompt

Copy this exact text and paste it into ChatGPT, Claude or Gemini directly beneath your snapshot block.

You are a personal finance educator helping me plan my assets. Using only my
snapshot above and the lines below:

Goals with amount and year: [e.g. flat deposit €40,000 in 2028]
Large expenses in the next five years: [e.g. car €15,000 in 2027, or "none"]

1. Sort my assets into three groups: stable and reachable within weeks;
   reachable but able to swing in value; locked or slow to sell.
2. Sort my goals and expenses into three time bands: within two years, two to
   ten years, more than ten years. Total each band.
3. Compare the two. Show where money I need soon sits in assets that can fall,
   and where long-term money sits in cash, with the amounts involved. Show
   what a 30% fall in the assets that can swing would do to the first band.
4. Explain how people in similar situations commonly plan around this, such as
   keeping a cash reserve, moving money into steadier assets as a goal gets
   close, and reviewing once or twice a year.
5. Describe the usual pitfalls, such as taking market risk with money needed
   next year or leaving decades-long savings in cash.
6. Give me a short checklist for a yearly review of my assets.

These are general patterns, not advice for me. If my data is too thin, say so
and give general points. Ask for missing figures. No specific products.

What good output looks like

The answer should start with two short tables that use the groups and bands from the prompt. Say your stable money is €9,000 in a euro savings account plus CZK 125,000 converted at 25 crowns per euro to €5,000, so €14,000 in all. Your ETF account of €52,000 can swing in value, and a pension of €38,000 is locked until retirement. On the other side, a flat deposit of €40,000 in 2028 and a car for €15,000 in 2027 put €55,000 in the first band.

The comparison is the core. A good answer shows that €41,000 of the near-term money would have to come from the ETF account, then runs the test: after a 30% fall the account would be worth €36,400, and the two goals would be €4,600 short. It presents this as a mismatch worth knowing about, without predicting a fall.

The section on common practice explains, in general terms, the habit of moving money for a dated goal into steadier assets over the last few years before the date, and what that gives up in expected growth.

The pitfalls part should point both ways, including long-term money that has sat in cash for years and lost ground to inflation.

The yearly checklist should be short and specific: goals still current, dates moved, money still in the right band, values rechecked.

What this can't tell you

The time bands are only as good as your dates and amounts. A goal that slips by three years or doubles in cost changes the picture more than most market moves, and the model knows nothing about your plans beyond what you typed.

How quickly an asset turns into cash depends on terms the model cannot see: notice periods, penalties for early withdrawal, pension access ages and tax on selling in your country. Check those in your own contracts.

The 30% fall is an illustration. Markets can fall further, or recover before you need the money, and nothing here predicts which. Debts are outside the scope apart from the expenses you list, and the model can misplace an asset or misadd a band, so recheck the totals.

Doing this without the retyping

Lining up goals against accounts by hand means redoing the tables whenever a balance or a date changes. This prompt is one of the 62 built into Sumio, named "Assets Planning Insights", and it runs on the assets you already track there, with prices kept current. The AI assistant is part of Sumio Premium. Your records are stored on your device; running the prompt sends the figures it needs to an AI provider.