Cindy Zhu.
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Money Claude

Build your new income playbook with Claude

Hey, it's Cindy 🌱 The full build from the reel: a Claude project that holds your real numbers and skills and maps them to where demand actually exists.
btw the waitlist for AI System Club is now open! If you're keen on using AI to automate your content, video editing, job search, business or build AI agents, feel free to sign up (only if you want to hehe). Ps. the waitlist gets first dibs:)
What this is and isn't. This is a structured way to run small income experiments and learn from them fast. It is not financial advice, and nothing here promises a number. Claude also can't see live market rates unless you give them to it, so every demand signal it produces is a hypothesis you go and check, not a fact. The whole method is built around that: propose, test cheaply, record the verdict.
the context

Step one: give Claude your actual situation

Create a Claude Project and add three files. Generic answers come from generic inputs, so this is where the quality is decided.

income.md What comes in monthly, from where, how stable each source is, and how much of it depends on you personally showing up. That last column is the one that matters.
costs.md Fixed costs, variable costs, and your genuine floor: the monthly number below which things break. Knowing the floor is what makes an experiment feel survivable.
skills.md What you can actually do, including the unglamorous things. Add what people have paid you for, what colleagues ask you for help with, and what you can learn quickly because you're already 70% there.
constraints.md Hours per week you genuinely have, cash you can risk, anything non-negotiable (visa, contract, non-compete, caring responsibilities). Without this Claude will happily suggest things you cannot do.
Write these in plain sentences, not spreadsheets. The point is context, not accounting precision, and messy honest notes beat tidy incomplete ones.

the mapping

Step two: skills to demand, with the evidence

🧭 skills to demand
Read income.md, costs.md, skills.md and constraints.md.

Find where my existing skills already meet paid demand. For each candidate:
1. Name the specific service or offer, phrased the way a buyer would search for it, not as a job title.
2. Who exactly pays for this, and what triggers them to go looking.
3. What evidence would confirm or kill this in under a week, and exactly where I'd go to look for it (specific marketplaces, job boards, communities, search terms).
4. What I'd realistically charge, expressed as a range, plus what makes the difference between the low and high end.
5. The honest reason this might not work for me specifically, given my constraints.

Rank by how fast I could get a first real signal, not by how big the upside looks. Do not invent market data. Where you're inferring rather than knowing, label it clearly as an assumption I need to verify.

The last two lines do the heavy lifting. Without them you get a confident-sounding market analysis assembled from nothing, which is the single most common way this kind of exercise wastes a month.


the experiments

Step three: three tests you can run in 30 days

🌱 design the experiments
Take the top candidates and design exactly 3 experiments I can run in the next 30 days alongside my current commitments.

For each experiment give me:
- The single question it answers (one sentence, phrased so the answer can be yes or no).
- The smallest version that still produces a real signal. Assume I should not build anything before someone shows interest.
- Total hours required, and cash required. If either is above [your limit], redesign it smaller.
- The success threshold, decided NOW: what result means continue, and what result means stop. Be specific and numeric.
- The first three actions, each small enough to do in one sitting.

Make the three experiments genuinely different from each other, so I learn three separate things rather than testing one idea three ways.
Set the stop condition before you start. Deciding what "it didn't work" looks like while you're still unattached is the entire discipline here. Afterwards you will always find a reason the result was nearly good enough, and that's how people spend two years on an idea that told them no in week three.

the tracker

Step four: make every experiment produce a verdict

Ask Claude to generate a tracker you'll actually fill in. Small and boring beats elaborate.

🧠 build the tracker
Build me a simple tracker for these 3 experiments as a markdown table I can paste into Notion. Columns: experiment, the question it answers, success threshold, hours spent, cash spent, what actually happened, verdict (continue / adjust / stop), and what I learned that I didn't know before.

Then write me a short weekly check-in prompt I can paste back to you every Sunday with my results, so you can update the playbook rather than starting over.

the loop

Step five: the part that actually compounds

A playbook written once is just a document. What makes it worth anything is that it gets rewritten by contact with reality.

⚡ the Sunday update
Week [n] results: [paste what happened, including the boring and the disappointing bits].

1. For each experiment, is the evidence pointing to continue, adjust or stop against the threshold we set? Hold me to the original threshold, don't move it for me.
2. What did this week teach us that changes an assumption in the playbook?
3. What's the single highest-information thing I could do next week? Highest information, not highest effort.
4. What should I stop doing?
"Hold me to the original threshold, don't move it for me" is there because Claude is agreeable by default and will help you rationalise a bad result if you let it. Ask it once a month to argue the case that you should quit the whole thing. If it can't make that case convincingly, that's genuinely useful information.

the context behind the reel

Why this feels harder than it used to

The squeeze in the reel is real and worth stating with actual numbers rather than vibes. According to the Australian Institute of Health and Welfare, Sydney's median house price went from around $680,000 in the first quarter of 2014 to around $1.4 million at the end of 2024, roughly doubling in a decade. Over a longer window, housing costs in Sydney rose from 13.4% of disposable income in 1994 to 22.2% in 2024 to 2025.

That second number is the one that tells the story. If incomes had kept pace with prices, the share of income going to housing would have stayed flat. It didn't, and that gap is what people are actually reacting to when they reach for a new worldview. Building a playbook is just the less dramatic response.

the waitlist is now open

AI System Club is launching soon

Build AI systems with me through recorded lessons you can follow at your own pace. Join the waitlist for first access and the founding price.

btw this list gets first dibs
the moment doors open :)