Three-Month Cash Flow Stress Test
Added 2026-10
Three-Month Cash Flow Stress Test — Chinese original prompt
家庭月收入 [金额]，固定支出 [金额]，可动用现金 [金额]。请做一次三个月压力测试：分别假设收入下降三成、以及出现一笔 [金额] 的意外支出，逐月列出余额变化，指出第几个月会见底；再给五条在此之前就能做的准备动作，按见效快慢排序。
Site original
Chinese original
Example
Sample input
家庭月收入两万，固定支出一万三，可动用现金十五万。做三个月压力测试：收入降三成，另加一笔意外支出。
The output should include
- 逐月列出余额变化与见底月份
- 给五条能提前做的准备并排序
- 仅作参考，需按实际收支核实
Replace these placeholders 1
Swap the bracketed parts for your own details before sending.
[金额]
How to use
压力测试按最坏情况算，别用平均数安慰自己。
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.