What would this change do to our money?
Try any change you are weighing, from a parent moving in to daycare starting, on your real numbers.
Try this with your agent- What your agent needs
- The change, when it starts, and what it costs or saves. Your records in Candor supply the rest.
- What you get back
- A live page comparing the next few years with and without the change.
- 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.
I want to see what a change would do to our money. Ask me what the change is, when it starts and ends, and what it would cost or save each month and up front. Use our income, spending, balances, and goals in Candor as the baseline. Build a live page in Candor that shows the next few years month by month with and without the change, where our cash is lowest, and which goals move. Let me adjust the amounts and dates on the page. Keep figures from our records apart from the estimates I gave you. If something the page depends on is missing, say so on the page instead of counting it as zero.
Nothing runs until you send the prompt to your agent.
Compare the same years with and without the change
A change like daycare starting or a parent moving in affects months, not just a monthly total. Candor supplies your income, spending, and balances as the baseline. You describe the change, when it starts, and what it costs. The page should show both paths side by side so the difference is plain.
Check the answer
- Look for the month where cash is lowest under the change. A plan can work on average and still run short at one point.
- Keep figures from your records apart from the estimates you gave. The estimates are where to get better numbers before deciding.
Choose a next step
If the change goes ahead, save what you need to set aside as a goal. Your agent can come back to the page as the real costs arrive.
Keep exploring.
What would a baby cost us?
Plan the first year of costs, leave, and childcare against your real budget.
One-time reviewBig decisionsCan I afford to work less or take time off?
Explore how a break or income change would affect your runway.
One-time reviewLooking aheadWhere is our net worth headed?
Project what you own and owe over the years, with the life events you expect along the way.
One-time reviewCalculatorAsk it with your own numbers.
Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.