Made for Financial Planners
Frame a Major Purchase Decision
Also useful for: people in Finance
90 min
Advanced
Major Purchases
Make a Financial Decision
Comparing Financial Options
Turn purchase details, financing choices, cash flow, reserves, and competing goals into a decision brief built for a confident client conversation.
Create a free account to save your progress and use this Playbook.
Use this when
A client is considering a home, vehicle, business investment, renovation, education expense, or other large commitment that could affect several financial goals.
You'll need
- Purchase context
- Decision deadline
- Purchase price and costs
- Cash available
- Financing options
- Cash-flow snapshot
- Reserve position
- Goal conflicts
- Ongoing costs
- Downside risks
- Alternatives
- Client preferences
- Planning assumptions
You'll get
- Confirmed facts separated from estimates and assumptions
- Material information gaps identified
- Purchase and financing options compared on consistent terms
- Reserve, cash-flow, and opportunity-cost effects quantified
- Base, downside, and stress scenarios completed
- Decision category supported by stated conditions
By the end of this playbook
You will have:
- Confirmed facts separated from estimates and assumptions
- Material information gaps identified
- Purchase and financing options compared on consistent terms
- Reserve, cash-flow, and opportunity-cost effects quantified
- Base, downside, and stress scenarios completed
- Decision category supported by stated conditions
Sample
This is sample data, not your prompt. Pro unlocks this higher-stakes Playbook. On Free Playbooks you can still copy the assembled prompt into any AI.
Sample input
Purchase: $62,000 vehicle plus $6,900 in taxes, registration, and charger costs. Trade-in: $9,500. Available cash: $38,000. Financing choices: 5.4% for 60 months with $15,000 down, or 3.9% for 36 months with $25,000 down. Monthly unassigned cash flow: $850. Liquid cash: $84,000, including $18,000 reserved for taxes. Essential monthly expenses: $7,750. Minimum emergency reserve: six months. A bonus is variable, childcare may rise by $600 per month, and retirement contributions shouldn't be reduced.
Sample assembled prompt
Decision: Adjust. Recommended structure: Choose the lower-cost vehicle... The proposed options rely on either... Key condition: Keep at least $46,500... Base case: The 60-month option fits... Downside case: A $600 childcare increase... Stress case: Losing the annual bonus... Best alternative: A $44,000 used vehicle... Next step: Obtain an insurance quote,...