Make my money go further
Put spare cash in perspective
Weigh a cash buffer, debt payments, and longer-term saving together.
Try this with your agent- What your agent needs
- Balances, upcoming obligations, debt rates, and your priorities. Missing rates need confirmation.
- What you get back
- A comparison of options grounded in your cash needs and goals.
- When to use it
- A focused review when this question comes up.
Try it with your finances
Copy the prompt into your AI agent to get started. It uses your Candor records and asks for any missing context.
New to Candor? Connect your agent first.
Use Candor to help me decide what to do with spare cash. First establish upcoming obligations, my desired buffer, debt rates, and goals. Ask for missing facts rather than assuming current balances are all available to spend. Compare keeping cash, earning more interest, paying down debt, and longer-term saving. Use current verified rates and explain tradeoffs. Recommend a next step for us to discuss; do not move money or open accounts.
Nothing runs until you send the prompt to your agent.
Work out which cash is actually available
Updated
A balance can include money already needed for rent, a card payment, or an upcoming goal. Start by bringing those commitments together before comparing uses for what remains. Candor gives your agent balances and recorded obligations; you confirm the buffer you want and any plans that do not appear in the accounts.
Check the answer
- Separate accessible cash from investments, restricted balances, and expected income that has not arrived. Check each account's timing and availability.
- Require current sources for rates and fees when comparing options. Ask which assumptions would change the conclusion, including missing debt terms.
Choose a next step
Discuss the options with your agent in the context of your goals. If you choose a plan, review exact budget or goal changes before saving them. Moving money remains a separate action.