You will write a one-page set of rules for how you use AI with your own finances.
By now Priya has a budget built from a redacted bank export, a source list beside it, and a cleaner chat history than she had a month ago. What she doesn't have is a way to keep doing all this when she's tired, in a hurry, or asking a quick question on her phone at lunch. Good habits slip at exactly those moments. The statement she pasted last year went in on a busy weeknight while she was half watching something else.
This project turns everything in the course into one page of rules you write for yourself and keep where you'll see them. It takes about forty minutes, and the value is less in the writing than in having decided in advance.
Write a one-page set of personal rules for how you use AI with your own money. Each rule should be short enough to remember and specific enough to follow without thinking. The page has to cover five things: what never goes in, how you redact, which tasks you hand to AI, which numbers you always check and where, and when you stop and get licensed advice.
It's personal. Your rules should reflect the money you actually have, the documents you actually hold and the assistant you actually use. A rule you'd never follow is worse than no rule, because it teaches you to ignore the page.
Rule 1 is your never list, from lesson 7.1, What never goes into an assistant. Write it as a list of the specific things, in your own words. Then add the avoid items that apply to you. If you regularly handle a parent's finances, name that. If you work in financial services and see client data, say plainly that it never goes into a personal assistant.
Rule 2 is the routine you follow before pasting anything that started as a real document, from lesson 7.2, Redact first, and check your settings. Write it as steps in order: copy only the text you need into a blank note, replace names and numbers with placeholders, delete addresses and balances you don't need, read it once, then paste. Add the privacy settings you've chosen, and the note you made on how long your provider keeps chats and files.
The next rules come from modules 1 to 5. Write which jobs you'll give an assistant: sorting transactions, explaining terms and clauses, drafting emails and questions, and planning what to check. Then write the jobs you won't give it, starting with two: supplying any figure you'll act on, and doing arithmetic in prose.
Be specific about checking. Name the numbers you always verify at source. Name the method for calculations: the formula goes in a spreadsheet, every input gets a labelled cell, and you estimate first. Name what counts as a confirmed claim: you found it in the document, with a date.
Then add your sources, taken straight from the list you built in lesson 6.4, Build your money source list. You don't need to copy every link. One line pointing to the list, and where you keep it, is enough.
The last rule says when you stop using AI and get licensed advice, based on lesson 7.3, AI output versus licensed financial advice. Make it concrete. A sum above a certain amount that you choose. Any decision about insurance your family would rely on. Anything involving replacing an existing policy, a property purchase, or a tax situation you don't fully understand. Write the trigger, and write who you'd go to.
Here is part of Priya's page, as an example of the tone and length:
Never paste passwords, OTPs, Singpass details, card numbers or security answers. Never paste anything with my NRIC or Mum's. Before pasting from any document: copy only the needed text, swap names and numbers for placeholders, delete balances, read once. AI sorts my transactions and explains terms. It never gives me a number I act on. Every sum goes in my budget file with labelled inputs, and I estimate first. Rates, caps and fees come from my source list tab, checked on the day. Any insurance decision, or anything over a sum I've set for myself, goes to a licensed adviser I've checked on the MAS register.
Her full page has eleven rules and fits on one screen. She saved it as the first tab of her budget file, so she sees it every month.
A finished page is short, written in your own words, and specific enough that someone else could tell whether you'd followed it. It sits where you'll see it while you're working on your money. Expect it to change when your situation does.
Write your page now, in one sitting, and keep the first draft even if it feels rough.
Write and save your one-page AI money rules, then use them on one real task this week and note anything you had to change.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).