Build Your Own AI Financial Decision System: From 0 to 1 (Inspired by Justin Sun)

I haven't calculated how many assets Justin Sun has, but they say it's around $8.5 billion.

But at his level, when facing a $50 million transaction, he still let Claude Code run through his cash assets first. He calculated it once, then verified it again.

We don't have $50 million.

But we have mortgages, credit cards, funds, stocks, salaries, and some money that needs to be paid every month and is never late.

You might not need this system now, but when buying a house, resigning, starting a business, or lending money to friends, you will eventually use it.

You can start building a system similar to Justin Sun's first.

Part 1: Let AI Understand How Much Money You Have First

The bank card says you have money.

The credit card says you owe money.

The fund says the money is there, but you can only withdraw it tomorrow.

The house says it's worth millions, but you can't scan a QR code with it today.

These are all true. When put together, people get confused.

So the system doesn't provide advice at first. It just categorizes the money: how much is available now, how much can be used immediately, and how much is already promised for next month's mortgage, rent, insurance, taxes, and credit cards.

This step doesn't require learning accounting. Put your bank statements, credit card bills, payment platform bills, fund, and loan information from the last month into the same folder. Mask full card numbers and ID numbers first; do not include passwords or verification codes.

After the AI reads them, it gives you a checklist:

Where the money is.

How much is owed.

How much needs to be paid in the next three months.

Which entries it didn't understand.

Once it understands these, the system has its first layer.

Part 2: Let It Break Down the Decisions

Knowing how much money you have doesn't mean knowing whether a sum should be spent.

There is one million in the account. The down payment for a house next month is 800,000.

You can afford it.

After paying, only 200,000 is left.

Both of these statements are also true.

What the AI financial decision system needs to do is complete the second sentence. It needs to compare several outcomes: paying in full now, paying in installments, paying three months late, or not paying for now. For each, it calculates how much cash is left after payment, whether there will be a cash shortage in the coming months, and which confirmed expenses will be affected.

It doesn't choose for you.

It puts the consequences of the choices together.

When people make decisions, they tend to focus on today. The system is responsible for bringing next month and the month after into the conversation.

Part 3: You Only Need to Understand Four Things

There are many financial terms. Ordinary people only need to understand four.

The first is Cash. Money that can be transferred, paid, or withdrawn today.

The second is Assets. Cash counts as an asset, as do funds, stocks, and houses. Assets are valuable, but that doesn't mean they can be used for payment today.

The third is Liabilities. Credit cards, mortgages, and loans that must be repaid sooner or later.

The fourth is the Safety Line. The minimum amount of money you are willing to keep in your account. Some keep three months of living expenses, others keep a year. The AI doesn't know this number; you must fill it in yourself.

Total assets look reassuring.

What really affects a decision is how much cash is left after the payment.

Justin Sun asks about $50 million; we might ask about a 500,000 down payment, 200,000 for a startup, or whether to lend 50,000 to someone else. The numbers differ greatly, but the algorithm is the same and can calculate it all.

Part 4: AI Stops Here

The system can read bills, calculate, and write reports.

It cannot log into online banking, cannot request verification codes, and cannot click payment for you.

A line must be drawn between analysis and transfer. If the AI calculates incorrectly, it can recalculate. If the money is transferred out and then you discuss why it calculated incorrectly, the order is not ideal.

So, permissions are only given to "view."

It can tell you if you can afford it.

It can also tell you what will happen after you pay.

As for whether to pay, you press the button yourself.

Send This to the AI

You don't need to ask three separate times. Prepare your bills and give this entire segment to Claude Code, Codex, or any other Agent that can read files. It will first organize the data, then generate a financial overview and a major expenditure analysis.

1Please help me build a personal AI financial decision system in the current folder.
2
3This system only reads and analyzes the materials I actively place in the current folder, including bank statements, credit card bills, payment platform statements, fund or securities account summaries, loans, and future expenditures.
4
5Please follow these rules:
6
71. Do not read content outside the current folder.
82. Do not modify, overwrite, or delete any original files.
93. Do not request bank card passwords, SMS verification codes, private keys, or payment permissions.
104. Do not execute payments, transfers, investments, loans, transactions, or tax filings.
115. All amounts must specify the currency, data date, and source file.
126. Mark unconfirmable accounts, transactions, and purposes as "To be confirmed"; do not guess.
137. Identify duplicate records, transfers between my own accounts, credit card repayments, and refunds to avoid double counting.
148. When an exchange rate is needed, ask me which rate and date to use first; do not supplement it yourself.
15
16Please complete the following tasks:
17
18First, generate "Financial_Overview.md".
19
20Tell me in plain language:
21- How much cash I have now;
22- How much funding is immediately available;
23- What other assets I have;
24- How much liability I have;
25- How much money is confirmed to be paid in the next three months;
26- Which accounts or transactions are still unconfirmed.
27
28Second, generate "Major_Expenditure_Analysis.md".
29
30Before starting, ask me for four pieces of information:
31- How much I plan to pay;
32- What currency to use;
33- What date I plan to pay;
34- The minimum amount of money I want to keep in my account.
35
36Then compare four scenarios:
37- Paying in full now;
38- Paying in 3 installments, every 30 days;
39- Delaying payment by 90 days;
40- Not paying for now.
41
42For each scenario, explain:
43- How much immediately available funding remains after payment;
44- Whether it will fall below my safety line in the next 30 and 90 days;
45- Which confirmed expenditures might be affected;
46- What data and assumptions were used for the calculation;
47- What contracts, taxes, exchange rates, or recipient information are still missing.
48
49All amounts must be calculated using code or a calculator; do not use the language model's mental arithmetic. Compare the four scenarios in the same table.
50
51Third, generate a "Weekly_Financial_Summary.md" template.
52
53In the future, when I add new bills, only report these changes:
54- Changes in cash and liabilities;
55- The three largest income and expenditure items of the week;
56- New future expenditures added;
57- Any duplicate, abnormal, or to-be-confirmed transactions;
58- Which accounts haven't been updated for a long time.
59
60If there are no significant changes, simply write "No significant changes this week."
61
62After completion, first show me which files you have read and what results you plan to generate. Start the analysis only after receiving my confirmation. Under no circumstances should you execute real fund operations.

Once this is done, the system is built.

It doesn't have as much money as Justin Sun.

But it can, like his system, run through the money first before answering.

AI can calculate what is left after a sum is paid.

As for whether a person will stay after the money is paid out.

That is not in the financial system.

Note: Be aware of financial risks. This article is purely for abstract humor and does not constitute any investment advice.

I am Miles, an AI algorithm expert who transitioned from a big tech company to an FDE. I have worked on algorithm R&D, optimization, deployment, and corporate training. Follow me @miles_mazy to grow together and make money together.