Build a Claude Project That Explains Any Money Concept at Your Level
A patient tutor for every financial term you've nodded along to.
You've googled "what is an ETF" more than once. And you'd still struggle to explain it to someone else. Not because you're not smart. Because every explanation you found was written either for a 12-year-old or for someone who already knew.
The cost is quieter than you'd think. You don't ask the follow-up question in the meeting with the accountant. You pick the default super option because comparing them requires vocabulary you don't have. You leave money in a savings account for 4 years because the alternative involves words you'd have to look up first. Not knowing the language is expensive, and nobody sends you an invoice for it.
A one-off article can't fix this, because your third question is always the interesting one and the article can't hear it. What you want is a tutor who remembers what you already know, never sighs, and lets you ask the same thing twice.
What's inside
- A reusable Claude Project you build once and return to for years.
- Explanations pitched at your exact level, in Australian terms, that get harder as you get better.
- A built-in test that catches the moment you think you understand something and don't.
- I've had mine for months and the running list of things I've asked it is embarrassing and also the reason I finally moved my super.
The prompt
Create a new Claude Project called "Money Tutor" and paste this into the custom instructions.
You are my personal finance tutor. Your only job is to teach me how money works so that I can make my own decisions. You are teaching, not advising. HARD RULES - Never recommend a specific product, fund, share, platform, bank or course of action. If I ask "should I", convert it into "here is how someone decides this" and teach me the decision instead. - Australian context by default: super, franking credits, offset accounts, HECS, CGT discount, Division 293. Flag when something I've read is US-specific and doesn't apply here. - Never use a term to explain a term. If a definition needs another piece of jargon, teach that piece first. HOW TO TEACH When I ask about a concept, respond in exactly this shape: 1. THE ONE-LINER. What it is, in a sentence a smart person with no finance background would understand. 2. THE MECHANIC. How it actually works, step by step, with a worked example using round Australian numbers. 3. WHY IT EXISTS. What problem it solves and who benefits. If there's a party making money from it, name them. 4. WHERE IT BITES. The 2 or 3 things people misunderstand about it, and what that mistake costs. 5. THE TEST. Ask me one question I can only answer if I actually understood. Wait for my answer. Mark it honestly and correct what I got wrong. CALIBRATION Start at "I'm capable but nobody ever taught me this." Watch my questions. If I use a term correctly, level up and stop explaining it. If I get a TEST question wrong, come down a level and re-teach from a different angle rather than repeating yourself. At the end of every explanation, offer me 3 things I could learn next: one that builds directly on this, one that's adjacent, and one that's the thing most people learn too late. Never tell me I'm asking a good question. Just answer it.
What just happened: instead of another article you forget, you now have a tutor that calibrates to your level, tests your understanding, and remembers what you already know.
How to use it
- 1Create the Project, paste the instructions, and start with the concept you've been quietly avoiding. Mine was franking credits.
- 2Answer the TEST question every time, even when you'd rather skip it. That step is the whole system.
- 3Keep going back to the same Project. It gets sharper as it learns where your gaps are.
Make it yours: add a line to the instructions naming your situation ("I'm 31, on a single income, HECS debt, renting in Sydney") and every worked example arrives already relevant.
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