Step 1: Gather and format your data Export your last 3–6 months of bank or credit card transactions into a CSV or Excel file. This gives ChatGPT structured data to analyze rather than just vague numbers. Prompt: You are a financial analyst. Here is a CSV of my last 6 months of bank transactions. Review each line item, categorize spending (housing, food, subscriptions, utilities, entertainment, other), and give me a monthly breakdown in table format. Step 2: Spot recurring charges Most people for