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May 17, 2026

Issue 20: Smarter by Thursday

Smarter by Thursday — Issue 20

Issue 20 · week of May 11, 2026

Smarter by Thursday

One practical AI win, every week. No jargon required.

By Dr. Rowan Hayes · Estimated read time: 6 minutes

This week we’re going to point AI at two things that quietly drain a huge amount of energy: big purchase decisions and awkward professional emails. First, you’ll see how to use AI as a calm, methodical research assistant before you spend thousands of dollars. Then we’ll turn it into your diplomatic ghostwriter for those “I appreciate the offer, but no” messages that you keep putting off.

Try at least one before Sunday. That is the whole assignment.

Use Case 1 of 2

Use Case 1: Researching a Major Purchase Decision

On a Wednesday night in late May, around 9:30 pm, Maria is sitting at her kitchen table surrounded by printouts. She’s 56, works as a physical therapist, and her 18-year-old Civic just died a very expensive death.

She’s narrowed it down to three cars: a new hybrid, a used small SUV, and an all-electric that her brother keeps pushing. Her browser has 22 tabs open: car review sites, YouTube reviews, dealer inventory, safety ratings. Every site contradicts another. The hybrid looks good until she reads comments about battery replacement costs. The SUV seems practical, but reviewers complain about reliability. The electric car sounds exciting, but she’s not sure how charging would actually work in her apartment complex.

By 10:15, she’s overwhelmed and doing what most of us do: scrolling aimlessly, hoping for one article that tells her what to do. What she really needs is not more information, but structure - someone to pull together what matters for *her* life, not for a generic buyer. That’s where AI can be useful: not as a car expert, but as a calm, patient synthesizer of everything she’s already found and already knows about her own needs.

Here is the exact prompt to use:

Copy and paste this into ChatGPT or Claude:

Copy and paste this into your AI, then fill in the brackets with your details.

I want help making a major purchase decision. Act as a calm, methodical research assistant who explains things in plain language, not as a salesperson.

Step 1 - Ask me questions: First, ask me up to 15 specific questions about: - my budget range (including taxes/fees), - how I’ll actually use this [car / appliance / computer / etc.], - my top 5 priorities (for example: reliability, low maintenance, comfort, long-term cost, environmental impact), - any brands or models I’m already considering, - my living situation (for example: apartment vs. house, parking, outlets, etc.), - how long I plan to keep this purchase.

Do NOT give advice yet. Just ask your questions in a numbered list.

Step 2 - Organize my answers: After I respond, summarize my situation in a short profile (5 - 7 sentences) in this format: - What I want to buy: - How I’ll use it: - Budget: - Time horizon (how many years I’ll keep it): - My must-haves: - My nice-to-haves: - My constraints or worries:

Step 3 - Compare 3 - 5 options: Using that profile, help me compare my top options. Use information that is widely known and reasonably up-to-date. Present your analysis in plain language, not jargon. For each option, include: - strengths for MY situation, - weaknesses for MY situation, - realistic ongoing costs (maintenance, energy, subscriptions, etc.), - anything people in my situation often overlook.

Step 4 - Recommendation and checklist: Based on everything above, give: 1) A clear, tentative recommendation (or top 2 choices) and explain *why* in everyday language. 2) A short “before you buy” checklist I can use to talk to a salesperson or do an in-person test (5 - 10 questions or tests tailored to my situation).

If any important information is uncertain or depends on local conditions (like rebates, utility rates, or building rules), clearly flag it as “You’ll need to verify this locally.”

Why this prompt works:

You’re not asking the AI to magically know “the perfect car.” You’re forcing it to start by interviewing you, which pulls out the details that matter: how you live, what you can actually spend, how long you’ll keep the thing. Then you’re asking for a structured summary, followed by a comparison tied to *your* profile, not abstract pros and cons. Finally, the checklist pushes it to give you concrete, practical next steps instead of vague “it depends” advice.

One thing to watch out for

AI can be confidently wrong about very specific, current details: exact trim features, current incentives, or hyper-local costs. Treat anything that sounds like a price, rebate, or specific technical spec as a starting point, not final truth. Always verify key facts on official sites (manufacturers, government, utilities) and use AI’s work to narrow your options and sharpen your questions, not to make the final decision for you.


Use Case 2 of 2

Use Case 2: Writing a Professional Decline Email

On Monday at 7:45 am, David is staring at his inbox with his coffee getting cold. He’s 62, semi-retired after a long career in corporate finance, and does occasional consulting. A former colleague has asked him to join a nonprofit board. The cause is good. The people are fine. But he knows, deep down, he doesn’t want another ongoing obligation.

He’s been sitting on the email for five days. Each time he opens it, he thinks, “I’ll respond later when I can word this properly.” He doesn’t want to sound ungrateful, and he absolutely doesn’t want to leave the door open to “maybe later this year.” He wants to say a firm but gracious no, preserve the relationship, and not spend 40 minutes agonizing over every sentence.

This is a classic example of where AI can help: not by faking your voice, but by giving you a good first draft that captures the tone you describe - warm, respectful, and clear - so you only have to edit, not start from a blank page.

Here is the exact prompt to use:

Copy and paste this into ChatGPT or Claude:

Copy, paste, and fill in the brackets with your situation.

I need help drafting a professional email where I decline an opportunity.

Context (please read carefully before drafting anything): - I’m [age/role, e.g., “62, semi-retired finance professional doing limited consulting”]. - The person writing to me is [describe relationship: “a former colleague,” “a client,” “a friend from my industry,” etc.]. - They have asked me to [briefly describe the request: “join their nonprofit board,” “take on a new project,” “speak at their event,” etc.]. - My REAL reasons for saying no are: [be honest here, even if you won’t say it all directly in the email]. - I want the tone to be: [choose 2 - 3: warm, appreciative, professional, concise, firm, encouraging for future contact, etc.]. - I want my “no” to be: [pick one: very clear and final / mostly final but open to something small later / a “not now, maybe later in the year”]. - I’m willing / not willing to offer an alternative (for example: refer them to someone else, offer a 30-minute call, or say I’m happy to attend as a guest).

Important: 1. First, ask me 5 - 7 clarifying questions to understand the relationship, how formal the email should sound, and how direct I want to be. 2. Then write 2 different versions of the email: - Version A: Short and very direct (under 150 words). - Version B: Slightly warmer and more detailed (150 - 250 words).

Both versions must: - Clearly say “no” without vague language. - Express genuine appreciation for being asked. - Make sure I don’t create an obligation I don’t want. - Use simple, natural language that sounds like a real person in their 40s - 60s, not a corporate robot.

After the drafts, give me: - 3 short subject line options. - 3 sentences I can copy/paste if I want to soften or strengthen the “no.”

Do NOT over-praise or exaggerate. Keep it grounded and sincere.

Why this prompt works:

You’re telling the AI exactly what emotional balance you want: clear but kind, appreciative but not overcommitted. By listing your real reasons privately, you give it raw material to work with, even if not every detail goes in the email. Forcing it to ask clarifying questions keeps it from making wrong assumptions about your relationship or level of formality. Two versions let you choose a style that feels natural, and the extra subject lines and “soften/strengthen” sentences make fine-tuning fast.

One thing to watch out for

AI will sometimes default to overly flowery or “corporate-speak” language: “I hope this email finds you well,” “I’m truly humbled,” “At this time, I must respectfully decline.” Edit ruthlessly so the message sounds like you. Also, be careful not to let the AI overpromise (“Maybe next year”) unless you genuinely mean it - once it’s in writing, people remember.


Know someone who spends too long on things AI could do in two minutes?

Forward Smarter by Thursday to three people who subscribe and I will send you my free AI Prompt Starter Pack: 20 ready-to-use prompts for everyday life.

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Smarter by Thursday · By Dr. Rowan Hayes · drrowanhayes.com
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