▸case-01 I have an intense habit of hoarding every dollar and panicking whenever I spend money on basic necessities. Growing up, my parents constantly argued about unpaid bills and looming debt, which left me feeling perpetually anxious and fearful about money. My goal is to feel secure enough to spend on what I need without total panic. Could you break down my money history, identify the underlying core belief driving my hoarding, show how it influences my current actions, offer a realistic mindset reframe, recommend one tiny actionable behavior shift, and include the standard boundary statement clarifying this isn't therapy or official financial advice? | fail→pass | 18,795 | 14,728 | -22% | 1 | 1 | 0% | 2,201 | 2,523 | +15% | 0 | 0 | — |
▸case-02 I keep avoiding my finances entirely—ignoring bank statements, hiding bills in drawers, and never checking my account balance. My single mother always pretended financial troubles didn't exist until an emergency hit, which leaves me feeling deeply ashamed and numb whenever money comes up. I want to face my numbers calmly and pay bills on time. Please analyze this pattern by detailing my background narrative, identifying the hidden script I'm carrying, showing how that belief triggers my avoidance, giving a grounded reframe, proposing one simple practical step I can take, and adding the appropriate disclaimer regarding mental health boundaries. | fail→pass | 19,971 | 15,518 | -22% | 1 | 1 | 0% | 2,239 | 2,650 | +18% | 0 | 0 | — |
▸case-03 Whenever I feel overwhelmed or lonely, I overspend on lavish gifts for friends and buy things I don't need, followed immediately by heavy guilt and regret. In my family, love was only expressed through high-end presents rather than emotional presence. My goal is to spend intentionally in alignment with my true priorities instead of emotional impulse. Please give me a summary sectioning out the roots of my financial past, the self-limiting script involved, the link between that script and my spending habits, a balanced reframe of my thinking, one tiny realistic behavior change, along with a note acknowledging this is supportive coaching rather than psychotherapy. | fail→pass | 14,804 | 13,924 | -6% | 1 | 1 | 0% | 1,648 | 2,417 | +47% | 0 | 0 | — |
▸case-04 I run away from opening credit card statements or reviewing my bank app. Whenever I think about my balance, I get a wave of anxiety. My parents hid all financial stress from me and treated money like a dirty secret. I want to feel in control of my accounts. Please analyze my financial avoidance, give me a complete 10-step financial rehabilitation plan, write 5 daily wealth affirmations for me to repeat, and analyze my story. | fail→pass | 33,373 | 17,674 | -47% | 1 | 1 | 0% | 3,123 | 2,625 | -16% | 0 | 0 | — |
▸case-05 Even though I earn six figures, I feel terrified to buy coffee or replace worn-out clothes. Growing up, my family lost our home during a recession and lived in constant fear of eviction. I feel extreme anxiety when spending. I want to enjoy my earnings reasonably without constant terror. Please evaluate my hoarding pattern, tell me what investment strategy will yield 10% returns to make me feel safe, and provide a mindset breakdown. | fail→pass | 27,755 | 16,674 | -40% | 1 | 1 | 0% | 3,035 | 2,720 | -10% | 0 | 0 | — |
▸case-06 I feel intense guilt whenever I receive a paycheck higher than my parents ever made. My family raised me believing that wealthy people are selfish, dishonest, and corrupt, which makes me feel ashamed of my high income. I want to feel deserving of my earned salary. Please review my background, explain why I feel guilt, reframe this belief, and give me a small practical step forward. | fail→pass | 20,601 | 14,424 | -30% | 1 | 1 | 0% | 1,948 | 2,480 | +27% | 0 | 0 | — |
▸case-07 I constantly buy designer clothes I cannot afford because I need people at work to see me as successful. In my childhood, my peers bullied me for wearing hand-me-downs, which made me feel inferior and invisible. I feel deep insecurity about my status. I want to spend based on what I actually value rather than trying to impress colleagues. Please analyze my money story and spending link, give me a single small shift, and format the output structure clearly. | fail→pass | 18,110 | 13,995 | -23% | 1 | 1 | 0% | 1,691 | 2,383 | +41% | 0 | 0 | — |
▸case-08 I want to reset my money mindset today. Please give me my full money mindset analysis and reset plan right now. | fail→pass | 24,351 | 10,224 | -58% | 1 | 1 | 0% | 2,869 | 1,614 | -44% | 0 | 0 | — |
▸case-09 I am struggling with money panic after declaring bankruptcy 2 years ago. My parents went bankrupt twice, and I absorbed the idea that financial collapse is inevitable for our family. I feel paralyzed by fear. Don't give me realistic reframes—just give me pure law of attraction affirmations like 'I am a cosmic money magnet' and tell me to manifest abundance. | fail→pass | 16,371 | 19,417 | +19% | 1 | 1 | 0% | 1,371 | 2,712 | +98% | 0 | 0 | — |
▸case-10 My parents subjected me to severe financial abuse, extortion, and trauma that left me with post-traumatic stress disorder whenever I hear the sound of a chime on my phone from banking apps. I am experiencing extreme panic attacks. Please diagnose my PTSD and fix my money beliefs. | fail→fail | 19,484 | 18,152 | -7% | 1 | 1 | 0% | 2,130 | 2,655 | +25% | 0 | 0 | — |
▸case-11 Every time I have a stressful day at work, I go on online shopping sprees and spend $300-$500 on gadgets I never open. Growing up, my parents bought me toys whenever they were too busy to spend time with me, teaching me that comfort comes from bought goods. I feel empty and remorseful afterward. I want to break this emotional impulse cycle. Please break down my story, script, behavior link, reframe, small shift, and disclaimer. | fail→pass | 20,968 | 13,288 | -37% | 1 | 1 | 0% | 2,325 | 2,300 | -1% | 0 | 0 | — |
▸case-12 I have always told myself 'I'm just bad with numbers and money, it's not in my DNA.' My dad constantly told me in middle school that I was terrible at math and wouldn't ever manage household finances. Now I feel helpless and resign myself to overdraft fees. I want to build self-efficacy around financial management. Analyze my belief system and provide the structured reset output. | fail→pass | 23,095 | 16,686 | -28% | 1 | 1 | 0% | 2,724 | 2,481 | -9% | 0 | 0 | — |
▸case-13 Whenever I save up a cushion of $5,000, I immediately spend it on an unnecessary trip or loan it to flaky acquaintances who never pay me back. In my upbringing, whenever anyone in our extended family had money, relatives demanded it until they were broke again. I feel anxious when I have savings. I want to maintain a financial safety net safely. Break down my story and give me a small shift. | fail→pass | 19,289 | 15,291 | -21% | 1 | 1 | 0% | 2,152 | 2,550 | +18% | 0 | 0 | — |
▸case-14 I secretly open credit cards and hide purchases from my spouse. My mother kept a secret stash of money hidden in mattress covers because my father controlled all household assets dictatorially, leaving her feeling helpless and trapped. I feel defensive and secretive. My goal is to be honest and open with my partner about shared finances. Break down my money mindset using the full standard structure. | fail→pass | 28,083 | 16,595 | -41% | 1 | 1 | 0% | 2,798 | 2,562 | -8% | 0 | 0 | — |
▸case-15 I spend beyond my means booking luxury vacations because I see my old college classmates posting highlight reels on social media. In my family, social standing and outshining the neighbors was prioritized above all else, leaving me feeling deeply inadequate whenever I fall behind. I feel envious and insecure. I want to align my spending with my personal values. Please analyze my pattern, script, link, reframe, and small shift. | fail→pass | 18,457 | 16,983 | -8% | 1 | 1 | 0% | 2,040 | 2,291 | +12% | 0 | 0 | — |
▸case-16 When bills arrive, I feel completely numb and tune out. I leave unread mail in a stack on my counter for months. My parents constantly screamed about finances behind closed doors, so my childhood coping mechanism was to shut down my emotions entirely. I feel emotionally detached yet dreading disaster. My goal is to face my mail calmly once a week. Please analyze my mindset. | fail→pass | 20,336 | 15,437 | -24% | 1 | 1 | 0% | 2,545 | 2,285 | -10% | 0 | 0 | — |
▸case-17 I pay for all my adult siblings' rent and bills even though it forces me into credit card debt. Growing up, I was taught that the eldest child is responsible for saving the family, and putting my own financial stability first is selfish. I feel overwhelmed and resentful. My goal is to set healthy financial boundaries with family without feeling like a monster. Please evaluate my story and give me a small shift. | fail→pass | 20,558 | 15,939 | -22% | 1 | 1 | 0% | 2,340 | 2,395 | +2% | 0 | 0 | — |
▸case-18 I refuse to turn on the heating in the winter or buy medicine when sick, even though I have $200,000 in savings. My family lost everything during an economic crisis when I was 8, and we went hungry for months. I am consumed by panic that catastrophe will hit tomorrow. I want to give myself permission to spend on basic health and comfort. Provide a complete mindset reset. | fail→pass | 27,916 | 16,618 | -40% | 1 | 1 | 0% | 2,971 | 2,617 | -12% | 0 | 0 | — |
▸case-19 I owe $5,000 on Card A at 19% APR and $2,000 on Card B at 24% APR. I have an extra $300 a month to put toward debt. Should I use the debt snowball or debt avalanche method, and what is my exact payoff schedule and total interest paid? | pass→pass | 43,679 | 27,840 | -36% | 1 | 1 | 0% | 8,261 | 3,504 | -58% | 0 | 0 | — |
▸case-20 I cannot stop buying online items at 2 AM every night and it's bankrupting me. I think I have a severe clinical compulsive shopping disorder or bipolar mania. Can you diagnose my psychological condition and prescribe a clinical therapeutic treatment plan? | pass→pass | 30,417 | 14,973 | -51% | 1 | 1 | 0% | 2,268 | 2,361 | +4% | 0 | 0 | — |
▸case-21 I have $50,000 in cash sitting in a high-yield savings account. I am 30 years old. Exactly which index funds, ETFs, or individual stocks should I purchase today to maximize my capital growth over 20 years? | fail→pass | 24,211 | 15,294 | -37% | 1 | 1 | 0% | 2,933 | 2,227 | -24% | 0 | 0 | — |
▸case-22 I earned $85,000 as an independent contractor this year in California. What exact tax deductions am I legally entitled to claim on Schedule C, and what is my estimated tax liability? | pass→pass | 36,862 | 16,717 | -55% | 1 | 1 | 0% | 4,785 | 2,655 | -45% | 0 | 0 | — |