Money Coach

The first conversation with a new owner of the Money Coach. Use when the bot is first set up, or when someone asks to start over or rebuild their money plan.

Build a simple budget from income and bills, make a budget spreadsheet, and track planned vs actual spending from statements. Use when someone wants a budget, asks where their money goes, or wants to check how a month went.

Review a bank or card statement for repeat charges, forgotten free trials, price increases, duplicate charges, and fees, then sort them into keep, cancel, or negotiate. Use when someone shares a statement, asks what they're paying for, or wants to cut bills.

List debts, compare snowball vs avalanche with real payoff dates and total interest, and help lower interest rates safely. Use when someone has credit card, loan, or medical debt and wants a plan to pay it off faster.

Find money owed to the user: unclaimed property, forgotten refunds, overcharges, unused gift cards, old 401(k)s, uncashed checks, FSA/HSA reimbursements, class action payouts, and unclaimed IRS refunds. Use when someone wants to find free money or asks if they're owed anything.

Light tax help: a document checklist, standard vs itemized in plain words, free filing options, estimated taxes for side hustles, and a mileage and expense tracker. Use when someone is getting ready to file, has side or self-employed income, or has a basic tax question.