Joint and Separate Accounts
Added 2026-10
Joint and Separate Accounts — Chinese original prompt
我们夫妻月收入分别 [金额]，共同支出有 [房贷、育儿、日常]，目前钱由 [谁] 管，常为 [具体分歧] 争执。请给三套账户方案（全共用、按比例分摊、三账户制），各写清适用情况和副作用；最后给一份每月对账的简短流程。
Site original
Chinese original
Example
Sample input
我们月收入分别一万二和八千，共同支出有房贷、育儿和日常，钱一直由我管，常为该谁多出争执。
The output should include
- 三套账户方案各写适用与副作用
- 按你们的争执点给出取舍建议
- 给一份每月对账的简短流程
Replace these placeholders 4
Swap the bracketed parts for your own details before sending.
[金额][房贷、育儿、日常][谁][具体分歧]
How to use
方案定了先试三个月，再决定要不要调比例。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.