---
title: "Where do I actually stand? | Candor"
description: "A first look at your money, with what's worth talking through and why. See what your agent needs and try the prompt with your finances in Candor."
url: "https://candor.money/explore/first-pass"
updated: "2026-10-19"
---

# Where do I actually stand?

A first look at your money, with what's worth talking through and why.

[Try this with your agent↓](#try-prompt)

What your agent needs

Your connected accounts and recent transactions.

What you get back

Up to three priorities with the evidence and a next step, or none if nothing needs it.

When to use it

A focused review when this question comes up.

## Try it with your finances.

Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? [Connect your agent first.](https://candor.money/connect)

Your prompt

Take a first pass through my finances in Candor. Look at my cash flow, balances, recurring payments, and any existing goals or decisions. Tell me up to three things most worth talking through, why each matters, and what we could do next. If nothing needs talking through, say so. Separate what you can establish from what you still need to ask me. Keep it focused.

Nothing runs until you send the prompt to your agent.

## Start with the accounts you can actually see

A first check-in is most useful when it establishes the shape of your finances before proposing changes. Candor brings connected and imported records into one workspace. Your agent should begin by naming the accounts, dates, and missing coverage behind its assessment. A recent balance without transaction history tells a different story from several complete months.

### Check the answer

* Ask which income, spending, debts, and savings are represented. Mention important accounts or obligations that are missing.
* For each priority, ask for the supporting records and what additional fact could change the conclusion. A large balance or unusual charge alone is not a recommendation.

### Choose a next step

Choose one priority to investigate next. Your agent can leave a note with the context in Candor, then use a budget, bills, or debt review to work through the details with you.

## Keep exploring.

[Where I standWhat should come first?Make sense of competing goals, debts, and things you want from life.One-time or quarterly](https://candor.money/explore/financial-priorities)[GoalsWhat budget could I actually live with?Start with your actual spending and make room for what matters to you.One-time reviewFull guide](https://candor.money/explore/realistic-budget)[Cash and debtWill I have enough for the next bills?See how expected payments line up with available cash and income.One-time or weekly](https://candor.money/explore/bill-buffer)

## Ask it with your own numbers.

Connect your accounts to Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.

[Start free trial→](https://app.candor.money/signup)[Connect your agent](https://candor.money/connect)

$0 today · card required · cancel anytime