Knowing something doesn't guarantee success. On the contrary, you may overestimate your knowledge. You may find unexpected obstacles. Plus, numerous variables could cause you to deviate from the solution.AI changes that. It doesn't just offer solutions — it gives step-by-step guidance. It stays by your side, anticipates obstacles, and taps into an endless array of resources.Yet most people misuse AI. They enter vague, generic prompts and receive predictable answers. But today, I've prepared five powerful prompts for you. And I promise, they will change your life.

AI Can Guide You Step-by-Step

With ChatGPT, it felt different. The steps were the same, but I could change them in real-time and customize them according to my needs. Here’s the prompt I use to set up all my dreams. Then, I usually create a project or a custom GPT with all the data inside this chat so I can use it to ask further questions.

2 — The Dream Roadmap (2)

Streaks are the key to any habit. But keeping a streak is challenging.At first, you are excited about your new habit. If it’s something new, you may want to do it every day. And you may keep your streak for a few days. But there’s a threshold in any habit when most people quit.

4 — The Habit Streak Builder (1)

I always wanted to XXX, but I often failed because of [reasons]. So, from now on, you should become my habit-building coach.Every morning, I will give you updates on my streak. Use that data to understand if there are potential issues incoming. Share statistics of my progress and the goals I will achieve if I keep going.If I missed a day, diagnose the problem by asking targeted questions. Then, help me get back on track with a detailed plan.

So, how did I fix my finances? ChatGPT did it for me. It was enough to share my money allocation , and it told me how much potential I was wasting. Also, it shared a 10-week plan to improve my situation, with tasks for each week.Do you want to try it? Here’s the prompt I used.

1 — The Money Map (2)

In the last few weeks, I had to prepare for a technical interview for a big project. Usually, this isn’t a problem. But this time it’s different because I know it will define my career.I want to go there with confidence. I want to master all the things I know. So, I used ChatGPT as a studying buddy — and it was great.

3 — The Studying Buddy (1)

I used to spend hours reading about my dreams and how I could achieve them. When I started writing, I read countless articles on writing, editing, and promoting. But I had a hard time practicing what I read.The same happened to all my dreams. When I wanted something, I searched for how-to guides and suggestions. But I never followed those lessons.

2 — The Dream Roadmap (1)

It’s not something you decide to do. It just happens. You skip one day. No big deal, you think. Then you skip again, and again. Soon, you realize you’re off track — but you lack a clear plan to recover.But that’s where ChatGPT shines — it can help you recover from negative streaks and spot challenges in time.

4 — The Habit Streak Builder (2)

How many times have you made a decision based on your guts?Sometimes it works. Most times, it sucks.But you don’t have to do that anymore. With ChatGPT, you can build a decision-maker that can compare anything from ideas to products.

5 — The Decision Maker (1)

You're reading an excerpt from <a href="https://cosmopolitanmindset.substack.com/">The Challenge</a> — a weekly newsletter dedicated to self-improvement, goal-setting, habits, time management, and health tips.Every week, you'll receive:<ul><li class="ql-align-justify">A life-enhancing challenge</li><li class="ql-align-justify">A custom infographic to track your progress.</li></ul><a href="https://cosmopolitanmindset.substack.com/subscribe">Join 4100+ driven individuals</a> and take your first challenge.

The Challenge

I started using ChatGPT like all of you.When ChatGPT launched, I was curious but skeptical. Initially, it felt predictable, useful mainly for debugging code (I’m a developer) . But while I was having fun, ChatGPT was growing. I could read one book in a week; it could read millions. And today, it’s one of the biggest encyclopedias in the world.Yet, this much knowledge is difficult to address. Many times, it will guess your answer. But you must share a detailed context if you need something specific. And, with enough context, it could help you fix your life, one chat at a time.

How I started using ChatGPT

I use it at work when I need to build a new software architecture. Usually, every new project has requirements I may have never seen before. So, I always start a new decision-maker chat and ask it to compare my architectures. Most times, I will come up with a mixed solution that works better.Here’s the prompt:

5 — The Decision Maker (2)

The Internet has sold us a great lie — you can do anything. Information is everywhere. Pick up your phone, type a few words, and you're instantly an expert. But can you apply this knowledge effectively?Most people think they can. If you know how something works, surely you can replicate it, right?Wrong!

The Internet's Big Lie

Act as my dream architect. My goal is to XXX, but I don’t know how to start. I want you to outline milestones for every quarter and suggest actionable monthly steps to keep me on track. Your job will be complete once I have the detailed plan for the first year of work.Before starting, please ask the questions you need to assess my current knowledge and situation. I have limited time to work on this project, around X hours a day. So, keep this in consideration.

Be my personal study coach. In X weeks, I have a technical interview on TOPIC, and I want to make a good impression. Here is a list of topics I should master.[LIST OF TOPICS]First, prepare an X-day learning plan that includes daily concepts and spaced repetition questions. Then, explain these topics one by one. After each session, I will share all my doubts. Then, you will prepare a closing questionnaire to assess my preparation.

I must decide which of these solutions/products is better. Help me summarize the options below with their potential issues and strengths. If necessary, put everything in a SWAT table. Also, give me the worst-case scenario I could face with both options.If applicable, suggest one low-risk experiment I use to test my decision. Then, write a final review of what you think would be best.(Option 1) (Option 2)

We entered the AI era, but nobody taught us how to use it. We prompt ChatGPT, Gemini, and Claude every day. But do we ask the right questions?Asking ChatGPT the altitude of Mount Everest is not a clever way of using it. It may have been a few months ago, but not anymore. Now, AI can think of complex solutions. It doesn’t give generic answers anymore — it has become specific.Personal finance, self-improvement, habit building — it can help you with everything. Type the right prompt, and it may change your life.

The Challenge of The Week

<a href="https://cosmopolitanmindset.substack.com/">Unlock exclusive content </a>and take your self-improvement to the next level with a premium subscription.<ul><li class="ql-align-justify">✅ The Productivity Mastery Series – Proven productivity systems in Notion, ready for you to implement.</li><li class="ql-align-justify">📚 The Challenge Book Club – Actionable insights from the best personal growth books so you can apply their lessons without reading them all.</li><li class="ql-align-justify">🔥 Monthly Exclusive Content – The top 5 must-read articles, behind-the-scenes life updates, full archive, and more.</li></ul><a href="https://cosmopolitanmindset.substack.com/subscribe">Join 4100+ driven individuals</a> who are serious about growth. Upgrade now and invest in your future.

Next Steps

Pick one of the five prompts I shared above and customize it with your data and goals. Give ChatGPT the data to help you solve your problems. Ask it to provide clear and actionable plans you can start using today and see what happens.﻿Which prompt will you try first? Hit reply and let me know.

Currently, I have over 300 chats on ChatGPT. I deleted most of them, but these are important.<ul><li class="ql-align-justify">I use it to plan new projects and software architectures.</li><li class="ql-align-justify">I use it to improve my life.</li><li class="ql-align-justify">I use it to brainstorm ideas and analyze my articles' performance.</li><li class="ql-align-justify">I am also using it to create my first board game with my girlfriend.</li></ul>It became my low-cost assistant. And today, I want to share a few of my most impactful chats with it.

How I Use ChatGPT

I started to think about my finances before I even got my first salary. And when I did, a good chunk went into my first investment fund. I knew the importance of compound interest — the earlier you start, the better. So, I started as early as I could.But the problem with starting early is that you make a lot of mistakes. So I made them. I invested in a service that took 1% of my total investment a month. In the beginning, that wasn’t a lot. But I kept investing, and it became a lot.

1 — The Money Map (1)

Two weeks ago, I set it up. I gave it a list of topics I needed to review, and we started, one topic at a time. But what surprised me the most was its ability to understand my situation. I didn’t ask, but it provided tips and best practices I should share with my interviewer to make a good impression.Here’s the prompt I used.

3 — The Studying Buddy (2)

I am Cosmin and I am almost 30 years old. Act as a certified financial planner and help me improve my finances. Build a zero-based budget for my XXX monthly income. Include essentials, discretionary spending, and three saving goals (emergency fund, vacation, and retirement).Before starting, ask all the questions you need to assess my current situation. Then, I would like an overview of my gains and expenses and a step-by-step guide to improve my financial habits.

These 5 ChatGPT prompts will instantly transform your life. Use them to master money, goals, learning, habits, and decisions.

MONEY MAP PROMPT

Similar ideas

WES MOSS