Summer Boot Camp · Week 5 of 8

Boot Camp Week 5: AI and Your Money

Build a simple monthly budget with AI, learn how to adjust it once you see the numbers, and keep your financial details private while you do it.

August 3, 2026 · Chris MacKinnon · AI, Eh?
AI, Eh? Summer Boot Camp — 8 Week Series

Week 5 of the AI, Eh? Summer Boot Camp is about AI and your money, budgeting and smart questions. Money is personal, so we are going to spend a minute on privacy before we touch anything else.

Quick reminder of the shape, same every week. A detailed prompt you copy and paste. An iteration showing you how to fix it. Something personal you apply it to. And a Prompt Card you save to your toolkit.

Grab your toolkit document. We are adding Card 5. Let’s go.

Six things every good prompt needs

Same checklist as every week. Watch for all six in the prompt below.

1. Give it context. Who you are and what is actually going on, anything AI could not otherwise know.
2. Be specific about the task. Not “help me budget,” exactly what you want it to produce.
3. Set your real constraints. Income, expenses, goals, whatever actually limits your options.
4. Tell it the format you want back. A list, a table, short sections, a word limit. Do not let it guess.
5. Ask it to flag uncertainty. Anything it is not fully sure about, so you know what to double check yourself.
6. Protect your privacy. Skip anything that could identify you personally, like your full name or address.

One extra thing for money week

Real numbers help AI give you a useful answer, but there is no reason to hand over more than you need to. Round your income and expenses to the nearest hundred, and never paste anything directly from a bank statement, login screen, or account number. AI needs the shape of your finances, not the literal document.

Step 1: Run this prompt exactly as written

Open ChatGPT, Claude, or whatever AI tool you already have. Paste the whole thing below in exactly as written, and hit enter.

“I want to build a simple monthly budget. My take-home pay is about $4,200 a month. My essential expenses, rent, utilities, groceries, and transportation, add up to roughly $2,600 a month. I want to save $500 a month toward an emergency fund, and the rest can go toward discretionary spending. Break this down into three categories, essentials, savings, and discretionary, showing the dollar amount and percentage for each. Then tell me if $500 a month is a reasonable savings goal given the numbers I’ve given you, or if it seems too ambitious or too conservative. Keep all figures rounded and general, and don’t ask me for anything like account numbers or exact banking details, I’m only looking for the shape of my budget, not my actual account information.”
Notice the numbers above are rounded, and there is nothing in this prompt that could be traced back to an actual bank account. That is on purpose. AI does not need your exact balance to build you a useful budget, only the general shape of it.

Step 2: Here is how you adjust it once you see it laid out

You will get back a clean breakdown, essentials at $2,600, savings at $500, and roughly $1,100 left for discretionary. Nothing wrong with the math here. But this is a good moment to show you something else important, iteration is not only for fixing mistakes. Sometimes you just want to change your mind once you see the numbers in front of you.

Say seeing that $1,100 discretionary number makes you think you would actually rather put more toward retirement. You do not need a new prompt. Just say so, in the same conversation.

“Upon seeing this, I’d like to add $250 a month toward an RRSP as well. Can you rework the breakdown to include that as a fourth category, and show me what it does to my discretionary spending.”

AI reworks it to four categories, essentials still at $2,600, savings still at $500, RRSP at $250, and discretionary drops from $1,100 to $850, all coming out of that one category since your essentials and emergency savings did not change.

Worth knowing, RRSP contribution room is specific to you and shows up on your CRA account or your latest notice of assessment. AI can help you think through the math, but your actual room is worth confirming there, or with an advisor, before you commit anything.

Step 3: Build your own, then save it as a Prompt Card

Now think of a real money question or budget of your own. In your head, walk through it. What is actually going on, your real numbers, rounded. What you actually want back. Your real limits, goals, whatever is boxing you in. How you want it formatted. What you want it to double check before you trust it. And keep it private, rounded figures only, no account numbers or anything from an actual statement.

Now say all of that out loud as one real paragraph, the way you would actually explain it to a friend. That is your prompt. Paste it in and run it.

Once you have a result, ask yourself two quick things. Did you want to adjust anything once you saw it laid out? If so, what one line did you send to change it?

Now open your toolkit document, add a heading called Prompt Card 5, and write out these four things yourself, based on what you just did.

What this is for. One line, plain language, describing your real situation.

The prompt. The real paragraph you wrote and ran.

The fix that got it there. The one line you sent to adjust it, if you needed one.

When to use it again. One line reminding future you when this applies.

That is Prompt Card 5, done. Five real, working prompts in your toolkit now, each one proven on your own life.

Coming up next week

Week 6 is Creativity, writing, photos, and ideas. Same four steps. Bring your toolkit document, Prompt Card 6 is next.

AI assisted. Human led.

Whatever AI produces for you, always read it, verify it, and make it sound like you. AI is an incredible first draft machine. Your judgment, your voice, and your values are always the final layer.

This one is a bit different, I am not going to ask you to share your Prompt Card 5. Money is personal, and that is kind of the whole point of this week. Just know your toolkit is one card richer, and that is yours to keep.

Follow the full Boot Camp

Eight weeks, one practical AI skill at a time. Start at Week 1 or continue with the current lesson.

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