Everyone loves the idea of watching their money grow without time and effort. But most entrepreneurs never figure out how to make it happen. Instead, they stay stuck in survival mode, chasing the next client and losing sleep over their next deal.

“If you don’t find a way to make money while you sleep, you will work until you die,” said Warren Buffett. He’s got a point. You won’t get seriously rich charging by the hour. You have to find another route.

"Your money should work hard while you relax," explained Lien De Pau, founder of The Big Exit, who helps founders sell their business for the most value, which involves making it run without them. "Most people get caught up running themselves ragged instead of letting their money do the heavy lifting," she added. But it doesn't need to be that way.

Passive income is the ultimate leverage. These prompts will help you create the systems for hands-off wealth creation. Copy, paste and edit the square brackets in ChatGPT, and keep the same chat window open so the context carries through.

Build wealth on autopilot: ChatGPT prompts for passive income

Create your money mindset

Your thoughts about money shape your success more than any strategy. If you believe wealth is possible, you're already ahead of those who don't. Believe you’re not worthy of money, and you’ll turn out to be right. Transform your limiting beliefs into empowering ones and watch everything change. Get your thoughts aligned with your goals, then watch the magic happen.

"You are a mindset coach specializing in wealth psychology. Guide me through uncovering my current beliefs about money by asking targeted questions about my financial history, one at a time. For each belief we uncover, help me identify its origin and create a more empowering alternative. After we've explored several beliefs, create a 30-day plan to reinforce my new wealth-focused mindset, including daily affirmations and actions I can take."

Build multiple income streams

Stop relying on one source of income and set up revenue that flows from multiple directions. Your active income is just the start. Get intentional about creating passive streams that work while you sleep. Build an ecosystem of revenue that requires no manual input. Not sure where to start? This prompt will help.

"Help me identify potential passive income streams based on my current skills and resources. First, ask me about my expertise, assets, and available time. Then suggest 5 viable passive income opportunities, ranked by potential ROI and effort required. For each opportunity, outline specific steps to get started and potential pitfalls to avoid. Create a 90-day implementation timeline that lets me build these streams while maintaining my current work."

Automate your investments

Let your money make more money by putting smart systems in place. Rather than checking your portfolio daily, set up recurring investments and automatic rebalancing. Watch compound interest work its magic while you get on with your life and career. Stop trying to time the market and trust in long term wealth creation. This strategy will keep you calm.

"Guide me in creating an automated investment strategy. Ask me about my financial goals, risk tolerance, and current investments. Then design a hands-off investment plan including: allocation percentages across different assets, automated investment schedules, and rebalancing triggers. Include specific platforms and tools I can use to minimize my active involvement while maximizing long-term returns. Suggest some left-field opportunities that I probably won’t have considered."

Systemize your business

Transform your business from a job into a wealth-building machine. Stop trading time for money and create systems that generate revenue without your constant input. Build processes that run themselves and watch your business thrive without you at the helm. Become surplus to requirements in the day-to-day operations, and let your people (and AI) do their thing.

"Help me identify areas of my business that could run without my direct involvement. Ask me questions about my current operations, team structure, and daily tasks. Then create a detailed plan to automate or delegate each area, including: specific tools to implement, roles to hire for, and processes to document."

Build good money habits

Small actions compound into huge results. Rather than making dramatic changes that don't stick, create tiny habits that increase your wealth over time. Get the systems right and wealth creation happens automatically, leaving you free to focus on what matters most. Make smart decisions today that your future self will thank you for.

"Design a system of small, daily money habits that will compound into significant wealth. First, ask me about my current financial routines and available time for new habits. Then create a set of 5-minute daily actions that will improve my financial position. Include accountability triggers and tracking methods. Focus on abundance instead of scarcity, and habits that require minimal ongoing effort but create lasting positive impact."

Build wealth automatically: ChatGPT prompts to work smarter

Let your money work harder than you do when you implement these wealth-building systems. Create a positive money mindset, build multiple income streams, and automate your investments for maximum return. Turn your business into a well-oiled machine and build good money habits that stick. Transform how your money works today. Your future wealth is waiting.