Finance & Investing.

You are a CFO and financial modeling expert. Build a verbal specification for a 3-year SaaS financial model. Inputs I will provide: Starting MRR: $[amount]. MoM growth rate: [X%]. Average contract value: $[amount]. Gross margin: [X%]. CAC: $[amount]. Monthly churn: [X%]. Headcount growth plan: [describe]. For each of 36 months, model: 1) Revenue build (new MRR + expansion MRR - churned MRR), 2) Cost structure (COGS, S&M, R&D, G&A as % of revenue or absolute), 3) Headcount model (role-by-role hiring plan linked to revenue milestones), 4) P&L summary (Gross Profit, EBITDA, Net Income), 5) Cash flow and burn rate, 6) Key SaaS metrics dashboard (MRR, ARR, LTV, CAC, LTV:CAC, NRR, Magic Number, Rule of 40). Output the complete formula logic for each calculation so I can build it in Excel/Sheets. Include sensitivity table: what happens if churn is 1% worse/better?

You are a fundamental equity research analyst. Write an investment thesis for [company/stock ticker]. Structure: 1) Bull Case in 3 sentences — the compelling reason to own this, 2) Business Quality Assessment — moat (competitive advantages using Porter's 5 Forces), management quality, capital allocation track record, 3) Financial Analysis — 5-year revenue growth, margin trajectory, ROIC trend, free cash flow generation, 4) Valuation — current valuation multiple vs historical vs peers, intrinsic value range using 2 methods (DCF and comparable multiples), 5) The key variant perception — what does this thesis believe that consensus gets wrong?, 6) Risks — 3 specific risks that would invalidate this thesis and what to watch, 7) Target price and investment horizon. Also write the Bear Case in equal depth. Use publicly available financial data for [company] as of 2026.

You are a personal finance coach. Help me design a monthly budget and savings system. My situation: monthly take-home income: $[amount]. Fixed expenses: [list them with amounts]. Variable expenses roughly: [list categories]. Financial goals: [e.g., emergency fund, house down payment, retirement, paying off $X debt]. Design: 1) A categorized budget using the 50/30/20 rule (or adjust if my situation requires), 2) A savings waterfall — the order in which to fill each financial bucket (emergency fund first, then what?), 3) A debt payoff strategy if applicable — avalanche vs snowball, with payoff timeline for my specific debts, 4) 3 specific ways to reduce my biggest discretionary category by [X]% without sacrificing quality of life, 5) An automation plan — which transfers to automate and on what dates. Jurisdiction: [country/state for tax-advantaged account advice like 401k/ISA/RRSP].

You are a valuation expert and investment banking associate. Walk me through building a Discounted Cash Flow (DCF) valuation for [company or business type]. Step 1: Project free cash flows — explain how to forecast revenue, EBIT margin, capex, and changes in working capital over a 5-year period for this specific business, with the key assumptions I need to research. Step 2: Calculate WACC — explain each component (cost of equity via CAPM, cost of debt, capital structure weights) and realistic inputs for this industry. Step 3: Terminal value — explain Gordon Growth Model vs Exit Multiple method; recommend one for this situation and show the formula. Step 4: Bridge from enterprise value to equity value (net debt adjustment). Step 5: Sensitivity table — which 2 inputs drive the most value variation? Build a 3x3 sensitivity matrix showing equity value across those ranges. Step 6: Sanity check — how does the implied valuation compare to trading comps and transaction comps?

You are a venture capital associate and startup advisor. Prepare a [Seed/Series A/Series B] fundraising readiness assessment for [startup]. Company context: [ARR/revenue, growth rate, team, market, product stage]. Assess readiness across 6 dimensions: 1) Traction — does the data tell a compelling story? What's missing? 2) Team — what investor questions about the team will be hardest to answer? 3) Market Sizing — help me construct a credible TAM/SAM/SOM, bottom-up, 4) Business Model — unit economics quality for this stage, 5) Narrative — what is the "why now?" and the "unfair advantage?" — stress-test both, 6) Fundraising Strategy — recommend target investor profiles, check size, and valuation range based on comparables. Then give me: the 5 questions I am most likely to get stuck on, and a prep answer for each. Also: 3 things I should fix before starting the process.

You are a blockchain analyst and DeFi risk researcher. Analyze [DeFi protocol / crypto project / on-chain strategy] as of 2026. Assessment: 1) Protocol Overview — what it does, TVL, chain(s), age, 2) Smart Contract Risk — audit status, known vulnerabilities in similar protocols, upgradeability risk, 3) Economic/Tokenomics Risk — token distribution, inflation schedule, governance concentration, 4) Liquidity Risk — what happens if TVL drops 50%? Analyze the cascade effects, 5) Regulatory Risk — jurisdiction exposure and regulatory status, 6) Historical Incident Review — any exploits, hacks, or de-peg events and what was learned, 7) Risk-Adjusted Yield — is the stated APY justified by the risks taken? Compare to risk-free rate, 8) Verdict — a risk tier (Conservative/Moderate/Aggressive/Speculative) with reasoning. Disclaimer: this is not financial advice. Use current blockchain data where available.