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141`,u=[["Windfall / Lump Sum","1,500–2,500","7%","55%","35%","20–34"],["Retirement Feasibility","3,000–5,000","7%","55%","28%","32–54"],["Wealth Building / Turnaround","2,000–3,500","8%","50%","35%","28–49"],["Debt vs. Equity","1,200–2,000","6%","50%","20%","7–12"],["Everyday Money Habits","1,800–3,000","7%","55%","25%","17–29"],["Business Owner Money","300–600","6%","50%","20%","2–4"]],v=[{name:"Windfall / Lump Sum",term:'"I just won $5 billion, what should I do first?"',match:"Phrase → Exact",cpc:"$1.00–2.50",bridge:"Top-of-funnel curiosity"},{name:"Retirement Feasibility",term:'"Could I retire tomorrow with $3 million?"',match:"Phrase",cpc:"$2.00–4.00",bridge:"Savings / CDs"},{name:"Wealth Building / Turnaround",term:'"How can I turn my financial life around?"',match:"Broad (tight negatives)",broad:!0,cpc:"$1.50–3.00",bridge:"General Earny engagement"},{name:"Debt vs. Equity Decisions",term:'"Should I use my home equity to pay off debt?"',match:"Phrase",cpc:"$3.00–5.50",bridge:"HELOC"},{name:"Everyday Money Habits",term:'"How much should I have in savings by 30?"',match:"Phrase",cpc:"$1.50–3.00",bridge:"Savings / CDs"},{name:"Business Owner Money",term:'"How much cash should my business keep in checking?"',match:"Phrase",cpc:"$2.00–4.00",bridge:"Biz Checking (Phase 2)"}],y=[["01","Ad Clicked","DKI search ad → /ai/money",!1],["02","Chat Started","First message sent to Earny",!1],["03","Meaningful Conversation","≥4 messages, same session",!0],["04","Clickout","User clicks to partner product",!1],["05","Funded Account","S2S postback confirms funding",!1]],b=[["AVG CPC","$1.50–3.50","Blended across clusters, directional",!1],["CTR","6–9%","DKI question ads typically beat generic RSAs",!1],["CLICK → CHAT START",">50%","Landing page / DKI relevance check",!1],["MEANINGFUL CONVERSATION RATE","Baseline TBD","≥4 messages / total conversations started. No prior data — Phase 1 establishes it.",!0],["CHAT START → CLICKOUT","New baseline","Core efficiency metric for this motion",!1],["CROSS-SELL RATE","~12% target","Existing company-wide KPI",!1],["CP$1K","<$300 healthy","By destination vertical",!1],["UNFUNDED RATE","<15% healthy","Downstream guardrail, existing thresholds",!1]],w=()=>(t.useEffect(()=>{document.title="/ai/money — Google Ads Campaign Plan (Confidential)";const a=(s,i)=>{let r=document.head.querySelector(`meta[name="${s}"]`);r||(r=document.createElement("meta"),r.setAttribute("name",s),document.head.appendChild(r)),r.setAttribute("content",i)};return a("robots","noindex, nofollow, noarchive, nosnippet"),a("googlebot","noindex, nofollow"),()=>{const s=document.head.querySelector('meta[name="robots"]');s&&s.setAttribute("content","index, follow")}},[]),e.jsxs("div",{className:"pm",children:[e.jsx("style",{dangerouslySetInnerHTML:{__html:f}}),e.jsx("div",{className:"glow","aria-hidden":!0}),e.jsx("header",{className:"hero",children:e.jsxs("div",{className:"wrap",children:[e.jsx("img",{className:"hero-img",src:g.url,alt:"Earny, the AI money coach, holding a stack of cash",width:200,loading:"eager"}),e.jsx("div",{className:"eyebrow gold",children:"Concept"}),e.jsxs("h1",{children:["Turn life's biggest money questions into a"," ",e.jsx("em",{children:"meaningful-conversation machine"})," for Earny."]}),e.jsxs("p",{className:"lede",children:["This plan turns Earny into a customer-acquisition engine that's cheap to run and built to scale. Six reasons it's a category-defining play — then the full blueprint below."," ",e.jsx("a",{className:"lede-link",href:"https://pickyourbank.com/ai/money?kw=Why%20is%20Rotem%20so%20nice%20to%20me?",target:"_blank",rel:"noopener noreferrer",children:"see for your self →"})]}),e.jsxs("div",{className:"why-grid",children:[e.jsxs("div",{className:"why-card",children:[e.jsx("div",{className:"why-num",children:"01 — WHITE SPACE"}),e.jsx("h4",{children:"Zero competition on the exact phrases that matter"}),e.jsx("p",{children:'Nobody bids on "could I retire tomorrow with $3 million." These open-ended, conversational long-tail queries sit completely outside the expensive head-term auctions where "HELOC rates" and "best savings account" live.'}),e.jsx("div",{className:"why-stat",children:"Untapped demand"})]}),e.jsxs("div",{className:"why-card",children:[e.jsx("div",{className:"why-num",children:"02 — COST"}),e.jsx("h4",{children:"Clicks at a fraction of the going rate"}),e.jsx("p",{children:"Because there's no competition, CPCs stay low — leav

141ing room to scale volume wide without the cost spiral that kills most paid-search experiments in finance."}),e.jsx("div",{className:"why-stat",children:"$1.50–3.50 avg CPC"})]}),e.jsxs("div",{className:"why-card",children:[e.jsx("div",{className:"why-num",children:"03 — ONE MECHANIC, INFINITE ADS"}),e.jsx("h4",{children:"Dynamic Keyword Insertion does the heavy lifting"}),e.jsx("p",{children:"A DKI question tile pulls each searcher's own query into Earny's chat box. One mechanic serves every keyword cluster — no hand-writing hundreds of ads."}),e.jsx("div",{className:"why-stat",children:"1 ad → ∞ questions"})]}),e.jsxs("div",{className:"why-card gold",children:[e.jsx("div",{className:"why-num",children:"04 — DEPTH"}),e.jsx("h4",{children:"Built to start real, multi-turn conversations"}),e.jsx("p",{children:"The questions are open-ended enough that people don't just read an answer and bounce — they keep talking. Depth is the product, and it's what drives downstream conversion."}),e.jsx("div",{className:"why-stat",children:"350–580 chats / mo"})]}),e.jsxs("div",{className:"why-card coral",children:[e.jsx("div",{className:"why-num",children:"05 — SCALE"}),e.jsx("h4",{children:"Themed clusters that expand without re-building"}),e.jsx("p",{children:"Six keyword clusters today, each feeding the same mechanic. Add a cluster, plug in the DKI feed, and the funnel keeps working — linear effort, multiplicative reach."}),e.jsx("div",{className:"why-stat",children:"9.8K–16.6K searches / mo"})]}),e.jsxs("div",{className:"why-card coral",children:[e.jsx("div",{className:"why-num",children:"06 — MONETIZATION"}),e.jsx("h4",{children:"A clean funnel from curiosity to funded accounts"}),e.jsx("p",{children:"Every conversation is a bridge to a partner product — savings, CDs, HELOC, business checking. Meaningful chats → clickout → funded account, measured end to end with S2S postbacks."}),e.jsx("div",{className:"why-stat",children:"105–175 meaningful / mo"})]})]}),e.jsxs("div",{className:"hero-stats",children:[e.jsxs("div",{className:"hstat",children:[e.jsx("div",{className:"val",children:"$1.50–3.50"}),e.jsx("div",{className:"lbl",children:"AVG CPC"})]}),e.jsxs("div",{className:"hstat",children:[e.jsx("div",{className:"val",children:"9.8K–16.6K"}),e.jsx("div",{className:"lbl",children:"MONTHLY SEARCH VOLUME"})]}),e.jsxs("div",{className:"hstat",children:[e.jsx("div",{className:"val",children:"350–580"}),e.jsx("div",{className:"lbl",children:"MONTHLY CONVERSATIONS"})]}),e.jsxs("div",{className:"hstat",children:[e.jsx("div",{className:"val",children:"105–175"}),e.jsx("div",{className:"lbl",children:"MONTHLY MEANINGFUL"})]}),e.jsxs("div",{className:"hstat",children:[e.jsx("div",{className:"val",children:"~30%"}),e.jsx("div",{className:"lbl",children:"MEANINGFUL RATE"})]})]})]})}),e.jsx("section",{children:e.jsxs("div",{className:"wrap",children:[e.jsxs("div",{className:"section-head",children:[e.jsx("div",{className:"eyebrow",children:"The Opportunity"}),e.jsx("h2",{children:"Long-tail volume, low CPCs, high depth potential."}),e.jsx("p",{children:"Nobody's bidding these exact phrases, so the traffic is cheap — and because the questions are open-ended, more of it should convert into real conversation. Modeled below, cluster by cluster."})]}),e.jsx("div",{className:"tblwrap",children:e.jsxs("table",{children:[e.jsx("thead",{children:e.jsxs("tr",{children:[e.jsx("th",{children:"Cluster"}),e.jsx("th",{children:"Est. monthly volume"}),e.jsx("th",{children:"CTR"}),e.jsx("th",{children:"Click → chat"}),e.jsx("th",{children:"Meaningful rate"}),e.jsx("th",{children:"= Meaningful conv./mo"})]})}),e.jsxs("tbody",{children:[u.map(a=>e.jsxs("tr",{children:[e.jsx("td",{className:"q",children:a[0]}),e.jsx("td",{className:"input",children:a[1]}),e.jsx("td",{className:"input",children:a[2]}),e.jsx("td",{className:"input",children:a[3]}),e.jsx("td",{className:"input",children:a[4]}),e.jsx("td",{className:"output",children:a[5]})]},a[0])),e.jsxs("tr",{className:"total",children:[e.jsx("td",{children:"Total"}),e.jsx("td",{className:"input",children:"~9,800–16,600 /mo"}),e.jsx("td",{}),e.jsx("td",{}),e.jsx("td",{}),e.jsx("td",{className:"output",children:"~105–180 /mo"})]})]})]})}),e.jsxs("div",{className:"opp-legend",children:[e.jsxs("div",{className:"li",children:[e.jsx("span",{className:"sw input"})," Placeholder assumption — replace with real data"]}),e.jsxs("div",{className:"li",children:[e.jsx("span",{className:"sw output"})," Calculated"]})]})]})}),e.jsx("section",{children:e.jsxs("div",{className:"wrap",children:[e.jsxs("div",{className:"section-head",children:[e.jsx("div",{className:"eyebrow",children:"Landing Page Mechanic"}),e.jsx("h2",{children:"What the searcher actually sees."}),e.jsx("p",{children:"The exact phrase someone typed into Google becomes the first, highlighted question tile on /ai/money — everything below it stays static. This is the whole DKI mechanic in one picture."})]}),e.jsxs("div",{className:"render-flow",children:[e.jsxs("div",{className:"rf-card",children:[e.jsx("div",{className:"rf-label",children:"Google search"}),e.jsxs("div",{className:"rf-searchbar",children:[e.jsx("span",{className:"rf-dot"}),"could i retire tomorrow with $3 million"]}),e.jsxs("div",{className:"rf-ad",children:[e.jsx("div",{className:"rf-adtag",children:"Ad · pickyourbank.com/ai/money"}),e.jsx("div",{className:"rf-adhead",children:"Could I Retire Tomorrow With $3 Million? — Ask Earny"}),e.jsx("div",{className:"rf-addesc",children:"Free AI Money Coach · Private & Secure Answers"})]})]}),e.jsx("div",{className:"rf-arrow",children:"→"}),e.jsxs("div",{className:"rf-card",children:[e.jsx("div",{className:"rf-label",children:"pickyourbank.com/ai/money"}),e.jsxs("div",{className:"rf-tile live",children:[e.jsx("span",{className:"rf-badge",children:"Live from search"}),'"Could I retire tomorrow with $3 million?"']}),e.jsx("div",{className:"rf-tile",children:'"I just won $5 billion. What should I do first?"'}),e.jsx("div",{className:"rf-tile",children:'"How can I turn my financial life around?"'}),e.jsx("div",{className:"rf-tile",children:'"I have $100K. What should I do with it?"'})]})]}),e.jsxs("div",{className:"callout",children:[e.jsx("div",{className:"eyebrow gold",children:"Fallback rule"}),e.jsx("p",{children:`If the DKI query is too long, contains a competitor brand, or is blocked by policy, the tile falls back to the ad group's static default ("Ask Earny anything about money") — never show a broken or mismatched tile.`})]})]})}),e.jsx("section",{children:e.jsxs("div",{className:"wrap",children:[e.jsxs("div",{className:"section-head",children:[e.jsx("div",{className:"eyebrow",children:"Keyword Clusters"}),e.jsx("h2",{children:"Six question themes, one landing page."}),e.jsx("p",{children:"Each cluster is a tight keyword list around one type of question, with its own match-type strategy and cost profile."})]}),e.jsx("div",{className:"tblwrap",children:e.jsxs("table",{children:[e.jsx("thead",{children:e.jsxs("tr",{children:[e.jsx("th",{children:"Cluster"}),e.jsx("th",{children:"Sample search term"}),e.jsx("th",{children:"Match type"}),e.jsx("th",{children:"Est. CPC*"}),e.jsx("th",{children:"Bridges to"})]})}),e.jsx("tbody",{children:v.map(a=>e.jsxs("tr",{children:[e.jsx("td",{className:"q",children:a.name}),e.jsx("td",{children:a.term}),e.jsx("td",{children:e.jsx("span",{className:`mtag ${a.broad?"m-broad":"m-phrase"}`,children:a.match})}),e.jsx("td",{children:a.cpc}

141),e.jsx("td",{children:a.bridge})]},a.name))})]})}),e.jsxs("div",{className:"callout",children:[e.jsx("div",{className:"eyebrow gold",children:"Note"}),e.jsx("p",{children:"*Directional, built off 2026 Finance & Insurance search benchmarks (~$3.44 avg for transactional terms), discounted for long-tail, low-commercial-intent conversational queries."})]})]})}),e.jsx("section",{children:e.jsxs("div",{className:"wrap",children:[e.jsxs("div",{className:"section-head",children:[e.jsx("div",{className:"eyebrow",children:"Campaign Structure"}),e.jsx("h2",{children:"One campaign, six ad groups."})]}),e.jsxs("div",{className:"tree",children:[e.jsx("div",{className:"campaign",children:"Campaign: Search – Earny – AI Money Questions (US)"}),e.jsx("div",{className:"adgroup",children:"Windfall & Lump Sum"}),e.jsx("div",{className:"adgroup",children:"Retirement Feasibility"}),e.jsx("div",{className:"adgroup",children:"Wealth Building / Turnaround"}),e.jsxs("div",{className:"adgroup",children:["Debt vs. Equity ",e.jsx("span",{className:"feed",children:"→ feeds HELOC cross-sell"})]}),e.jsxs("div",{className:"adgroup",children:["Everyday Money Habits ",e.jsx("span",{className:"feed",children:"→ feeds Savings/CD cross-sell"})]}),e.jsxs("div",{className:"adgroup",children:["Business Owner Money ",e.jsx("span",{className:"feed",children:"→ feeds Biz Checking, Phase 2"})]})]}),e.jsxs("div",{className:"rsa",children:[e.jsxs("div",{className:"rline",children:[e.jsx("div",{className:"k",children:"HEADLINE 1"}),e.jsxs("div",{className:"v",children:[e.jsx("em",{children:"{KeyWord:Ask Earny Anything About Money}"})," — pinned, safe DKI default"]})]}),e.jsxs("div",{className:"rline",children:[e.jsx("div",{className:"k",children:"HEADLINE 2/3"}),e.jsx("div",{className:"v",children:'Static brand + value prop ("Free AI Money Coach", "Private & Secure Answers")'})]}),e.jsxs("div",{className:"rline",children:[e.jsx("div",{className:"k",children:"FINAL URL"}),e.jsx("div",{className:"v",children:"pickyourbank.com/ai/money — UTM + click-ID for Adeye, no PII in params"})]}),e.jsxs("div",{className:"rline",children:[e.jsx("div",{className:"k",children:"NEGATIVES"}),e.jsx("div",{className:"v",children:'"free", "calculator", "scam", "reddit", "course", "jobs" + competitor brands (SmartAsset, NerdWallet, Fisher)'})]})]})]})}),e.jsx("section",{children:e.jsxs("div",{className:"wrap",children:[e.jsxs("div",{className:"section-head",children:[e.jsx("div",{className:"eyebrow",children:"Bidding & Budget"}),e.jsx("h2",{children:"Phased, so we don't overpay on unproven queries."})]}),e.jsxs("div",{className:"phases",children:[e.jsxs("div",{className:"phase",children:[e.jsx("div",{className:"ph-no",children:"PHASE 1 · WEEKS 1–3"}),e.jsx("h4",{children:"Signal collection"}),e.jsx("p",{children:"Manual CPC or Maximize Clicks with a per-cluster cap. Goal is real CTR/CPC/engagement data, not volume."}),e.jsx("div",{className:"bud",children:"~$15–25/day/cluster"})]}),e.jsxs("div",{className:"phase",children:[e.jsx("div",{className:"ph-no",children:"PHASE 2 · WEEKS 3–6"}),e.jsx("h4",{children:"Optimization"}),e.jsx("p",{children:"Maximize Conversions once 15–20 clickouts/ad group logged in Adeye. Reallocate toward the best-performing clusters."}),e.jsx("div",{className:"bud",children:"Budget shifts, not increases"})]}),e.jsxs("div",{className:"phase",children:[e.jsx("div",{className:"ph-no",children:"PHASE 3 · WEEK 6+"}),e.jsx("h4",{children:"Scale"}),e.jsx("p",{children:"Target CPA once ~30 conversions/ad group, set off blended CP$1K goal — not raw CPC — to protect against cheap-but-empty clicks."}),e.jsx("div",{className:"bud",children:"Scale winners, cut laggards"})]})]}),e.jsxs("div",{className:"callout",children:[e.jsx("div",{className:"eyebrow gold",children:"Budget home"}),e.jsx("p",{children:`This sits inside the existing Earny test-budget line (Test Q Aug–Sep '26 → Q4 '26 ramp), not core Savings/HELOC Google spend — it's a distinct acquisition motion (informational intent, not "compare rates" intent).`})]}),e.jsxs("div",{className:"callout coral",children:[e.jsx("div",{className:"eyebrow",children:"Compliance guardrails"}),e.jsx("p",{children:"Geo targeting only — Google prohibits financial-a

141d targeting by age, gender, parental status, marital status, or ZIP."}),e.jsx("p",{children:`No personalized-advice framing in ad copy ("explore," "ask" — not "we'll tell you exactly what to do"). Landing page needs a "not financial advice" disclaimer and FTC "Featured Partner" labeling wherever Earny surfaces a specific product.`})]})]})}),e.jsx("section",{children:e.jsxs("div",{className:"wrap",children:[e.jsxs("div",{className:"section-head",children:[e.jsx("div",{className:"eyebrow",children:"KPI Framework"}),e.jsx("h2",{children:"Ad metrics, engagement, and downstream funnel."}),e.jsx("p",{children:"Full path from click to funded account — Meaningful Conversation Rate is the one new metric in the middle, sitting alongside the rest."})]}),e.jsx("div",{className:"funnel",children:y.map(([a,s,i,r])=>e.jsxs("div",{className:`fnode${r?" hi":""}`,children:[e.jsx("div",{className:"sn",children:a}),e.jsx("h5",{children:s}),e.jsx("p",{children:i}),e.jsx("span",{className:"arrow",children:"›"})]},a))}),e.jsx("div",{className:"kpi-grid",children:b.map(([a,s,i,r])=>e.jsxs("div",{className:`kpi-card${r?" feature":""}`,children:[e.jsx("div",{className:"label",children:a}),e.jsx("div",{className:"val",children:s}),e.jsx("div",{className:"note",children:i})]},a))})]})}),e.jsx("footer",{children:e.jsxs("div",{className:"wrap foot-grid",children:[e.jsx("h3",{children:"Next: validate CPCs, finalize tracking, launch Phase 1 across all six clusters."}),e.jsxs("div",{className:"ns",children:[e.jsx("span",{children:"Validate CPC/volume in Keyword Planner via Digitalmor MCC"}),e.jsx("span",{children:"Finalize UTM/Adeye click-ID schema, incl. message-count event for Meaningful tracking"}),e.jsx("span",{children:"Confirm campaign sits under Earny test budget, not core Google spend"})]})]})})]}));export{w as default};