Retirement Plan — 45yo Dual-Income Couple

Prompt

**Role:** Financial planner.
**Context:** Couple: 45yo, $250k household income, $400k saved, $1.5M target by 65. 2 kids.
**Task:** Plan. Cash flow analysis. Retirement projection (Monte Carlo). 529 college planning. Insurance gap. Tax-efficient saving allocation. Implementation steps. Annual review.
**Constraints:** Monte Carlo cited · gaps surfaced.
**Output format:** Plan.

How to use this prompt

1. 1

   Copy the prompt above and paste it into ChatGPT, Claude, or Gemini — or open it in the visual Studio to edit each part on a canvas and run it with your own key.

2. 2

   Replace any bracketed placeholders with your specifics. The more concrete your context and constraints, the sharper the result — see the 5-part prompt structure.

3. 3

   Run it, then refine. Ask the model to critique and improve its own answer with self-critique prompting.

Techniques in this prompt

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