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September 5, 2026

Issue 36: Smarter by Thursday

Smarter by Thursday — Issue 36

Issue 36 · week of August 31, 2026

Smarter by Thursday

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

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

Some weeks, “using AI” isn’t about saving ten hours or reinventing your business. It’s about two very ordinary, very human problems: making a big purchase without regretting it later, and saying “no” to people in a way that keeps your reputation intact. This week we’ll look at how AI can quietly sit beside you while you research a major purchase, and how it can help you write a professional decline email you’re not dreading to send.

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 Tuesday night, around 9:15pm, Denise was sitting at her kitchen table with her laptop open and three tabs glaring at her: one for a high-end mattress, one for a mid-range option, and one for a warehouse club deal everyone on Facebook seemed to recommend.

She’s 57, her back has been getting worse over the last few years, and she’s finally willing to spend real money on something that might help. But every site claims to be “orthopedic,” “cooling,” “pressure-relieving.” There are review sites, YouTube influencers, Reddit threads, and then five friends chiming in with totally different advice. She’s tired, slightly overwhelmed, and becoming more afraid she’s going to spend $2,000 and still wake up sore.

This matters to her because she doesn’t buy big things often. When she does, it’s a big emotional and financial commitment. She wants to feel she’s done her homework - but she doesn’t want to spend ten more hours drowning in marketing copy and contradictory reviews. She wishes she could sit down with a sensible, neutral friend who would say, “Here’s how these three actually differ. Here’s what matters for someone with your needs. Here’s what’s probably just hype.”

That “friend” is exactly how you can use AI here.

Here is the exact prompt to use:

Copy and paste this into ChatGPT or Claude:

I’m researching a major purchase and I want you to act like a neutral buying advisor, not a salesperson. I will tell you my situation, my budget, and the specific options I’m considering. Your job is to:

1) Help me clarify my needs in plain language. 2) Identify what features and tradeoffs actually matter for someone like me. 3) Compare the specific options I name, focusing on differences that would affect my real-world experience. 4) Point out any marketing language or “hype” that isn’t supported by meaningful differences. 5) Help me draft a short pros/cons summary and a “if this were you…” recommendation.

First, ask me 8 - 10 clarification questions about my situation, priorities, and concerns. Then, once I answer, walk me through the decision step by step.

Here are my details: - Type of purchase: [e.g., mattress, used car, laptop, hearing aids] - My rough budget range: [e.g., $1,500 - $2,000] - My main concerns: [e.g., back pain, sleep temperature, durability, noise, ongoing maintenance] - The specific models or options I’m considering (include brand, model, and price if possible): [list here] - Anything that is a hard “no” for me: [e.g., must have in-person support, no subscription, no used items, etc.]

Start by asking your clarification questions.

Why this prompt works:

You’re not asking the AI “Which mattress should I buy?” - you’re asking it to behave like a thoughtful advisor with a clear job description. You tell it who you are, what the purchase is, and what steps you want it to take: clarify, identify key factors, compare options, flag hype, and give a reasoned recommendation. The instruction to ask clarifying questions first forces it to understand your situation instead of giving generic advice. This makes the final comparison much more tailored and practical.

One thing to watch out for

AI does not have live access to current pricing or stock, and it can sometimes “guess” details about specific models that are outdated or wrong. If it starts listing precise specs or prices, treat those as rough guidance, not gospel - always verify on the manufacturer or retailer sites before you buy. Also, beware of letting it push you into a decision faster than you’re ready; its confidence doesn’t mean it feels the financial or physical consequences you do. Use it as a thinking partner, not a final authority.


Use Case 2 of 2

Use Case 2: Writing a Professional Decline Email

On Thursday afternoon at 3:40pm, Malik is staring at a half-written email he’s been avoiding all day. He’s 49, works as an independent consultant, and a former colleague has asked him to help on a short-term project.

On paper, it’s flattering: they “immediately thought of him,” the work is in his wheelhouse, and it would pay reasonably well. But he’s already overcommitted this month, and he knows that if he says yes, something else will slip - either his existing client deadlines or the time he promised himself he’d keep free on weekends.

The problem is, he doesn’t want to sound ungrateful or slam the door on future work. His first draft was too blunt: “Sorry, I can’t help.” His second draft was a mushy mess of apologies and vague excuses. He wants to decline clearly, protect his boundaries, and still communicate respect and warmth. He knows how he’d say it if they were sitting together over coffee, but translating that tone into a professional email feels unexpectedly difficult.

This matters because for people in their 40s, 50s, and 60s, reputation is everything. The way you say “no” can affect whether people think of you next time, and whether they see you as reliable or flaky, confident or evasive. A good decline email is both a boundary and a bridge. AI can help by giving you language that sounds like a considerate adult, not a template downloaded off a productivity blog.

Here is the exact prompt to use:

Copy and paste this into ChatGPT or Claude:

I need your help drafting a professional decline email. I want to say “no” clearly while staying warm, respectful, and preserving the relationship. Please:

1) Ask me 5 - 7 questions to understand the situation, my relationship with the person, and my real reasons for declining. 2) Suggest 2 - 3 different tone options (e.g., more formal, more friendly, very brief) after you have my answers. 3) Write a complete email in my voice, including subject line, using the tone I choose. 4) Make sure the email: - Clearly declines the request. - Briefly (and honestly) explains why, without oversharing. - Expresses appreciation for being asked. - Leaves the door open for future connection if appropriate.

Here are the details to ask about: - Who is the person (their role and how well I know them)? - What are they asking me to do? - What is the timeline? - What is my actual reason for saying no? - Whether I might be interested in future opportunities with them. - Any specific phrases or “voice” preferences I have (e.g., no corporate buzzwords, keep it human and straightforward).

Start by asking your questions about the situation.

Why this prompt works:

Instead of asking for a generic “polite decline email,” you’re telling the AI exactly how you want it to behave: as a kind of writing coach who first listens, then proposes tone options, then drafts in your voice. You’re specifying the four non-negotiables of a good decline: clarity, brief honest reason, appreciation, and future-friendly wording. Asking it to start with questions forces it to tailor the email to your actual relationship and constraints instead of giving you a canned template.

One thing to watch out for

AI tends to lean a little too polite and wordy, especially in professional emails. The first draft it gives you might be longer or more effusive than you’re comfortable with. Always read the email out loud to yourself - if any sentence feels like something you’d never say, change it or delete it. Also, be careful not to let the AI invent excuses; stick to the real reason you’re declining, stated simply. Honesty builds trust more than elaborate stories.


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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