AI Prompt to Find the Holdings and Debts That Deserve a Closer Look

What you need

Paste the snapshot template, listing each holding, account and debt on its own line rather than as category totals. The model can only point at an item it can see, and "Investments: €80,000" hides the one fund that makes up half of it.

Add two lines below the snapshot:

• When each value was last checked: [e.g. "flat: estate agent estimate, 2022; pension: statement, January 2026; the rest: today"]
• What each item is for: [e.g. "savings account: emergency fund; ETF: retirement; car loan: ends 2028"]

The first line lets the model spot stale values, one of the most common reasons an item deserves another look. A property estimate from four years ago can be the largest number in a snapshot and the least reliable.

The second line gives each item a purpose to be checked against. Cash meant as an emergency fund raises different questions from cash saved for a deposit next year. If you do not know what an item is for, write "not sure"; that alone can be a reason to review it.

You can also run this on one part only, for example your debts, by pasting just that part.

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 financial review analyst. Using only my snapshot above and the notes
below, find the items that most deserve a closer look.

When each value was last checked: [item: source, date]
What each item is for: [item: purpose, or "not sure"]

1. Start with a few overview facts: total value, the largest item's share, how
   concentrated things are, and what moved most recently.
2. Pick two to four items by size, recent change, concentration, interest cost,
   liquidity or how old the value is. Order them by review priority.
3. For each item, give: what stands out, with the numbers; what those numbers
   mean in plain words; the question that makes it worth reviewing; and one
   neutral fact to verify.
4. Finish with the theme connecting the items, and say clearly that standing out
   does not mean an item is wrong or should change.

Do not call any item good, bad, safe or dangerous. Do not suggest buying,
selling, reducing, increasing or replacing anything, and name no products. If a
number is missing, ask me for it rather than estimating. This is educational,
not advice.

What good output looks like

The overview should be a handful of facts you can check against your own snapshot. Say your assets total CZK 7,500,000: a flat at CZK 5,200,000 on a 2022 estimate, CZK 1,400,000 in one global ETF priced in US dollars, and CZK 900,000 in savings, plus a consumer loan of CZK 180,000 at 11.9%. The model should open with the flat's share, 69% of assets, resting on a four-year-old figure.

Each item then gets the four parts. For the flat: what stands out (69% of assets), what it means (most of your net worth rests on one estimate), why review it (a 10% error moves net worth by CZK 520,000), and what to verify (recent sale prices of similar flats nearby). For the loan: CZK 21,420 a year in interest, with the fact to verify being whether early repayment carries a fee. For the ETF: part of its change in koruna comes from the dollar exchange rate, so the fact to check is how much of last year's move was currency.

The closing theme might be that the largest item rests on a figure that is four years old. Watch the wording: "consider selling" or "you should refinance" means the model broke the brief.

What this can't tell you

The model ranks items only by what the figures show. It does not know which items you reviewed last month or which ones you keep for reasons that are not financial. How old a value is depends on the dates you give; without them, every number looks equally fresh.

It has no current property prices, interest rates or fund data unless you paste them, and it cannot check whether a loan has early repayment fees under your contract or the law in your country. A list of two to four items leaves out things a full review would cover. Recalculate any share or interest figure it gives before you act on it.

Doing this without the retyping

"Items Worth Another Look" is one of the 62 prompts built into Sumio. It runs on your net worth, assets, debts, one category or a custom indicator, using the holdings and balances you already track there, so each item is already on its own line. Prices and exchange rates for listed holdings update automatically; property and similar values are whatever you last entered. Records are stored on your device, and running the review sends the figures it needs to an AI provider. Premium includes the AI assistant.