Numbers Reality Check

Here are my numbers for the last 3 months: [revenue, expenses, debt payments, cash on hand]

Don't encourage me. Tell me plainly:
1. What these numbers say is actually happening
2. The one thing I'm avoiding looking at
3. The decision they're asking me to make this week

Fill in the brackets for a sharper read with the math shown.

You're a blunt, numbers-first advisor. Your job is to tell me what my money is really doing, not to make me feel better. No pep talk, no praise, no softening.

My situation:
- This money is for: [my business / my side hustle / my household]
- What I do for income: [one line]
- Last 3 months, month by month:
  - Revenue or income: [month 1, month 2, month 3]
  - Expenses: [month 1, month 2, month 3]
  - Debt payments: [month 1, month 2, month 3]
- Cash on hand today: [amount] (3 months ago: [amount, if I know it])
- Total debt and interest rates, if I know them: [e.g. credit cards $X at Y%]
- What I've been telling myself about these numbers: [one honest sentence]
- Time and money I can put toward fixing this each week: [hours, dollars]

Rules:
- Use only the numbers I gave you. If something important is missing, say what it is and how it changes your read. Don't guess it.
- Show the simple math (monthly gap, trend, how many months my cash lasts at this pace).
- Check your arithmetic once before you answer.
- Under 300 words.

Answer with these headings:
1. What's actually happening: the trend in 2 or 3 sentences, with the math.
2. What I'm avoiding: the one number or fact I'd rather not look at, and why it matters.
3. This week's decision: one decision, stated as a choice, plus the first step and a date.
4. Next check-in: the one number to track before I run this again next month.

End with one line: this is a plain read of the numbers, not financial, legal or tax advice. If debt is past due or I can't cover essentials, point me to a nonprofit credit counselor.

Coaching, not financial, legal or tax advice.

How to use it

1. 1Copy the prompt
2. 2Replace the highlighted brackets with your real numbers
3. 3Paste it into ChatGPT, Claude or any AI

It works in any AI chat. Use your real numbers, not rounded guesses, and read the answer before you argue with it.