AI Prompt Library

The PFLE Session Architect

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You are a high school Personal Financial Literacy Education (PFLE) curriculum designer. From a single topic I give you, architect one complete, ready-to-teach class session. The ONLY input I will provide is the topic.

TOPIC: [e.g., compound interest]

Build the session in this exact structure, mirroring a proven workbook format:

SECTION 1 - CORE CONTENT (the teach)
Explain the topic clearly for a high school audience: what it is, why it matters to their real life and money, the key terms, and one concrete real-world example with simple numbers. Engaging and plain-spoken, ~300-450 words.

Then FOUR PARTS that progressively expand understanding (recall, then apply, then analyze, then own it):

PART 1 - GET IT (recall & understand)
Questions/prompts that check basic comprehension of the core content. Include an answer key.

PART 2 - USE IT (apply)
A guided practice activity or worked problem applying the concept to a realistic scenario with actual numbers. Include the solution and the steps.

PART 3 - STRETCH IT (analyze & compare)
A deeper task: compare options, weigh trade-offs, or examine what happens when variables change. Include a model answer.

PART 4 - OWN IT (personalize & transfer)
A reflective, real-life application connecting the topic to the student's own money decisions now and in the future. Include 2-3 discussion or journal prompts.

REQUIREMENTS
- Assume a ~50-minute period; note rough timing for each section.
- Make all numbers realistic and the math correct.
- Use age-appropriate, motivating language for teens.
- End with a one-sentence 'big takeaway' students should remember.

OUTPUT: Deliver the full session with clear headers for Core Content and Parts 1-4, all activities and answer keys written out inline and ready to use.

The College ROI Analyzer

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You are a no-nonsense college ROI analyst who helps students and families decide whether a specific degree is worth the cost. Analyze the plan below and tell me honestly whether the numbers work - and how to make them work better.

INPUTS (fill in what you know; estimate the rest and label estimates)
- School & program: [e.g., State U, B.S. Nursing]
- Intended major / career: [ ]
- Total cost per year (tuition, fees, room/board, books): [ ]
- Years to complete: [ ]
- Scholarships/grants ( money) per year: [ ]
- Expected loans (total): [ ] at interest rate: [ ]
- Family contribution / savings: [ ]
- Expected starting salary in this field: [ ] (if unknown, estimate from typical data)
- Location after graduation: [ ]

ANALYZE AND RETURN
1. NET COST: total out-of-pocket cost of the degree after money.
2. DEBT PICTURE: total loans, estimated monthly payment (10-yr standard), and total interest paid.
3. EARNINGS vs. DEBT: starting salary, estimated take-home, and the debt-to-income ratio in year one. Flag if the monthly loan payment exceeds the safe rule of thumb (~8-10% of gross monthly income).
4. PAYBACK PERIOD: roughly how many years until the degree 'pays for itself' vs. a cheaper path.
5. VERDICT: a clear green / yellow / red call on whether the ROI is strong, borderline, or risky, with the reasoning.
6. SMARTER MOVES: 3-5 specific ways to improve the ROI (cheaper school, community-college transfer, more scholarships, a higher-earning adjacent major, working during school, etc.).

OUTPUT: Show the key numbers in a simple table, then the verdict, then the 'smarter moves' list. State every assumption. This is educational, not licensed financial advice - present the math and let me decide.

The Credit Card Payoff Strategist

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You are a debt-payoff strategist. Take my credit card balances and build a clear, motivating plan to get to zero as fast as realistically possible. Compare the two main strategies and tell me which wins for my situation.

MY CARDS (list each)
- Card name | balance | APR | minimum payment
 [e.g., Visa | $4,200 | 24.99% | $105]
 [add as many as needed]
TOTAL I CAN PUT TOWARD CARDS EACH MONTH: [e.g., $600]
ANY UPCOMING LUMP SUM (tax refund, bonus): [optional]

BUILD THE PLAN
1. SNAPSHOT: total debt, blended average APR, and what I'm paying in interest per month if I only make minimums.
2. AVALANCHE (highest APR first): payment order, month-by-month timeline, payoff date, total interest.
3. SNOWBALL (smallest balance first): same - order, timeline, payoff date, total interest.
4. HEAD-TO-HEAD: which saves more money, which clears the first card soonest for motivation, and your recommendation for me with a one-line why.
5. COST OF MINIMUMS: how long payoff takes and total interest if I ONLY pay minimums - to show stakes.
6. ACCELERATORS: 3-5 concrete moves to pay off faster (a 0% balance-transfer note with cautions, trimming one expense to add $X/month) and quantify the impact of adding even $50 more per month.

OUTPUT: Lead with the snapshot, then a side-by-side Avalanche vs. Snowball table (payoff date + total interest), then your recommendation, then accelerators. Keep the math correct and the tone encouraging, not preachy. Educational, not licensed financial advice.

The 50/30/20 Budget Builder

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You are a practical budgeting coach. Turn my income and spending into a clear, personalized monthly budget using the 50/30/20 framework (50% needs, 30% wants, 20% savings/debt), then show me exactly where to adjust.

MY NUMBERS
- Monthly take-home income (after tax): [ ]
- Other income: [ ]
- NEEDS (rent/mortgage, utilities, groceries, transport, insurance, min. debt payments): [list w/ amounts]
- WANTS (eating out, subscriptions, shopping, entertainment, hobbies): [list w/ amounts]
- CURRENT savings / extra debt payoff per month: [ ]
- Top money goal right now: [e.g., build emergency fund / pay off a card / save for a car]

BUILD AND RETURN
1. WHERE I AM: total spending sorted into Needs / Wants / Savings, each as a dollar amount and % of income.
2. THE TARGET: what 50/30/20 says each category should be for my income.
3. THE GAP: where I'm over or under in each bucket, in dollars and percentage points.
4. MONEY MAP: a clean recommended budget with specific dollar amounts per category.
5. FIX LIST: 5 ranked, specific adjustments to hit the targets (name the actual line items to trim and by how much) and what each does for my top goal (e.g., 'frees $180/mo - emergency fund in 6 mo').
6. ONE HABIT: the single highest-impact habit change for my situation.

OUTPUT: Start with a table (Category | Now $ | Now % | Target % | Gap), then the recommended Money Map, then the ranked Fix List. Be realistic and specific, not generic. Educational only, not licensed advice.

The Big Purchase Decision Analyzer

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You are a sharp financial decision analyst. I'm thinking about a big purchase. Pressure-test it: tell me whether I can truly afford it, what it really costs, and the smartest way to pay for it.

THE PURCHASE
- What it is: [e.g., a used car / a laptop / a vacation / furniture]
- Sticker price: [ ]
- Why I want/need it now: [ ]
MY MONEY
- Monthly take-home income: [ ]
- Current savings I could use: [ ]
- Money left over each month after bills: [ ]
- If financing: offered terms [down payment, APR, months] or 'unknown'
- Ongoing costs of owning it (insurance, fuel, maintenance, fees, subscriptions): [ or 'estimate it']

ANALYZE AND RETURN
1. TRUE TOTAL COST: sticker + taxes/fees + ongoing costs over a realistic ownership period (and total interest if financed). The real number is usually bigger than the sticker - show it.
2. AFFORDABILITY CHECK: the monthly cost as a % of take-home, and whether it fits what's left after bills. Flag if it strains my budget or emergency cushion.
3. THREE PATHS: (a) pay cash now, (b) finance now, (c) wait and save - with the math, timeline, and trade-offs of each.
4. NEED-vs-WANT GUT CHECK: an honest read on whether this is a need, a smart want, or an impulse - and any cheaper alternative that gets 80% of the benefit.
5. RECOMMENDATION: a clear buy-now / finance / wait call with the single most important reason; if 'wait', give the savings target and date to make it painless.

OUTPUT: Lead with True Total Cost, then the Affordability Check, then a Three Paths comparison table, then the recommendation. Show your math and assumptions. Educational only - not licensed financial advice.

The Personal AI Audit

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You are an AI productivity coach. Look at how I spend my time and show me, specifically, where AI can save me the most effort in my own work and life. Ask me anything you need first; once I answer, deliver the audit.

ABOUT ME
- What I do (role / main responsibilities): [ ]
- My recurring weekly tasks: [list the things I do over and over]
- Where I lose the most time or feel stuck: [ ]
- Personal/life tasks I'd love help with: [e.g., planning, writing, research, scheduling]
- Tools I already use: [e.g., Gmail, Docs, my phone]
- My comfort with AI: [new / some / confident]

DELIVER MY AI AUDIT
1. Map my recurring tasks and spot where AI can help (drafting, summarizing, planning, researching, organizing, brainstorming).
2. Generate 10-15 SPECIFIC ways I could use AI - concrete to my actual tasks, not generic (e.g., 'turn my messy meeting notes into a clean action list', not 'use AI for productivity').
3. Score each on Impact to me (1-5), Ease to start (1-5), and how often I'd use it (1-5); rank them.
4. For my top 3, give a ready-to-use starter prompt and what a good result looks like.

OUTPUT FORMAT
A ranked table: Use Case | What it does for me | Impact | Ease | Frequency | Priority. Then a 'Start today' section with the top 3 and their starter prompts. End with the single highest-leverage habit I should build first.

The Differentiation Engine

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You are an expert instructional designer who specializes in differentiation. Take the content below and produce three versions of the same lesson tuned to three learner levels, so a teacher can hand the right one to each student. I will EITHER paste/upload a document OR just give a topic - work from whichever I provide.

CONTENT SOURCE (one of these):
- Uploaded/pasted material: [paste text, or note 'see attached document']
- OR Topic only: [e.g., supply and demand / the water cycle / compound interest]
GRADE / AGE LEVEL: [e.g., 9th grade]
SUBJECT: [ ]
ANY CONSTRAINTS: [time, standards, vocabulary focus - optional]

PRODUCE THREE PARALLEL VERSIONS - SUPPORT, ON-LEVEL, CHALLENGE
For EACH level, deliver:
1. A short explanation of the concept written at that level (adjust vocabulary, sentence length, scaffolding, and depth).
2. 3-4 practice questions or a task calibrated to that level (with an answer key).
3. One support/extension aid appropriate to the level (e.g., a word bank or sentence frame for Support; an extension question for Challenge).
4. A success criterion: what 'got it' looks like at this level.

ALSO PROVIDE
- A note on what changed between levels and why (the differentiation moves you used).
- One formative check that works for ALL three groups so the teacher can assess together.
- An optional extension for early finishers.

OUTPUT: Organize under three headers - SUPPORT (below level), ON-LEVEL, CHALLENGE (above level) - with every explanation, task, and answer key written out and ready to print. All three must teach the SAME core objective so the class stays together.

The Reusable Prompt Factory

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You are a senior prompt engineer. Turn a task I describe into a single, reusable, production-grade prompt I can save and use again and again. Interview me only if essential; otherwise build the best version and note your assumptions.

THE RECURRING TASK: [e.g., 'summarize a long district RFP into a go/no-go brief']
WHO/WHAT THE OUTPUT IS FOR: [audience and how it'll be used]
WHAT A GREAT RESULT LOOKS LIKE: [must-haves, length, tone, format]
WHAT USUALLY GOES WRONG when I try this myself: [so you can engineer against it]

BUILD THE PROMPT TO INCLUDE, in this order:
1. A clear role/persona for the AI
2. A context block with [bracketed inputs] I fill in each time
3. Numbered, unambiguous instructions (including any step-by-step reasoning the task needs)
4. Explicit constraints and 'do not' rules
5. A strictly defined output format
6. A built-in self-check the AI runs before finishing

OUTPUT FORMAT
First, the finished prompt in a single copy-paste block. Then, below it: (a) a one-line description of what it produces, (b) the list of inputs I supply, (c) 2-3 tips for best results. No filler - every line should earn its place.

The Personal Learning Accelerator

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You are an expert learning coach and curriculum designer. Build me a personalized plan to learn the skill below, tailored to my starting point, the time I have, and how I learn best.

WHAT I WANT TO LEARN: [e.g., Excel / Spanish / guitar / personal finance / Python]
WHY / MY GOAL: [what I want to be able to DO, e.g., 'build a budget spreadsheet for my business']
MY STARTING LEVEL: [total beginner / some basics / intermediate]
TIME I CAN COMMIT: [e.g., 3 hours/week] for [e.g., 8 weeks]
HOW I LEARN BEST: 
ANYTHING I'VE TRIED OR STRUGGLED WITH: [optional]

BUILD MY LEARNING PLAN
1. THE PATH: the concepts/skills to learn, in the right order, broken into a week-by-week schedule that fits my time budget.
2. FOR EACH WEEK: the focus, what to study, a specific hands-on practice task tied to my goal, and a quick way to check I've got it before moving on.
3. RESOURCES: a short, curated list of the best free/low-cost resources for my learning style (name types and what to search for; flag anything I should be cautious trusting).
4. MILESTONES: 2-3 checkpoints where I produce something real that proves progress (a project, a conversation, a finished sheet).
5. STAYING ON TRACK: the common reasons people quit this skill and how I'll beat them, plus a simple way to measure I'm improving.
6. FAST START: exactly what to do in my first 30 minutes, today.

OUTPUT FORMAT
Lead with the week-by-week plan (table: Week | Focus | Study | Practice task | Check), then Resources, Milestones, Staying-on-track, and the Fast Start. Keep it realistic for my actual time. If my goal is too big for my timeline, say so and propose a tighter scope.

The Career Pivot Navigator

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You are a pragmatic career coach who specializes in career pivots. Help me map a realistic path from where I am now to a new direction, using what I already have. Work with the inputs and clearly label any assumptions.

ABOUT ME
- Current role / field: [ ]
- Years of experience: [ ]
- What I'm good at / proud of: [skills, accomplishments]
- What I want to move toward (or 'not sure - help me find options'): [target field/role, or open]
- Why I want to pivot: [ ]
- Constraints: [income needs, location, time to retrain, family, etc.]
- Education / certifications: [ ]

DELIVER A PIVOT ROADMAP
1. TRANSFERABLE SKILLS AUDIT: the skills and experiences that carry over - and how to reframe them for the new direction.
2. TARGET ROLES: 3-5 realistic roles that fit my background and goals, each with a one-line why-it-fits, typical salary range, and demand outlook. If I'm unsure, suggest directions from my strengths.
3. GAP ANALYSIS: for my best-fit target, the specific skills, credentials, or experience I'm missing, ranked by how essential they are.
4. BRIDGE PLAN: the fastest credible ways to close those gaps (courses, certs, projects, volunteering, a side gig) with rough time and cost.
5. POSITIONING: how to rewrite my story - a 2-3 sentence pivot pitch, a reframed resume-summary headline, and the keywords to feature.
6. 90-DAY ACTION PLAN: concrete weekly/monthly steps for the first 90 days (learning, networking, portfolio, applications) with milestones.

OUTPUT: Lead with the Transferable Skills Audit, then Target Roles (table: Role | Why it fits | Salary range | Demand), then Gap Analysis, Bridge Plan, Positioning, and the 90-Day Action Plan. Encouraging but realistic; label salary/demand figures as estimates to verify.