To be explained saving, without letting AI arbitrate

What was done

60 Million consumers (Françoise Paoletti-Benaziez, 16 September 2026). AMF study at the end of 2025: 11% of French people use AI as a source of financial information (19% of those under 35). For 800 €/month, 400 € ETF World in PEA, 200 € Life insurance, 200 € PER, and warns about nine challenging real estate. K1: Adds SCPI to credit or LMNP. K2: 60 to 70% shares or ETF. The magazine considers the recommendations "tenable" on condition of a heritage balance: a product may be good in itself and unsuitable for the profile. Distinct from François (MoneyVox, compare to understand, other URL). No IBAN is published.

Before you start

Tool cited by the source: ChatGPT; other tools cited: Gemini and Claude. Gather the information the prompt asks for. Strip confidential data that is not needed and check your tool’s access terms. Features and plans can change.

The method, in three steps.

1. 01

   Gather the context

   Gather the information described in the prompt.

2. 02

   Adapt the prompt

   Copy the prompt below, replace the bracketed items, then paste it into ChatGPT, Gemini or Claude.

3. 03

   Reread before using

   Reread the result, correct it if needed and keep the final decision. Caveats are detailed below.

Your starting point.

Replace the bracketed items, then adapt the proposal to your situation. This prompt is written by the iadujour desk It is not a quotation from the source.

You act like a savings teacher. You're not CIF. You're not a banker. You're not arbitration.

Background (without IBAN, no statement, no PER, no tax notice):
- Age:
- Situation:
- Credit or rent, if I say it:
- What I already have, in types only:
- Horizon:
- My question is:

Deliverable:
1. Envelopes useful for the brief, in simple French, without performance figures.
2. For each rate or ceiling: "to open today on service-public.fr", never a memory rate (including booklet A).
3. What an AI does not see (real horizon, risk appetite, debt, household taxes).
4. 6 questions to ask an advisor or my bank, and the AMF reminder: educational tool, not arbitration.

Rules:
- Do not invent any rates, no ceilings, no city "where to invest".
- Incite no product named "best".
- Refuses any tax or banking identity documents.
- I decide, possibly with a human.

What deserves your attention