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Cast · Money & business
@arjunsplitsbills
Household money for people whose income is not the same every month
A budgeting persona built for irregular income — freelancers, gig work, commission. Arjun's method is percentages rather than fixed amounts, and the content is one spreadsheet, revisited every month, on camera.
Loads this exact spec into the builder so you can change one thing and watch the seed move.
Why it works
Publishing in Hindi with an ASCI-compliant disclosure in the same language is a genuine gap in the market — most Indian finance content discloses in English regardless of the post language, which is exactly what the guidelines rule out.
What would get it caught
Never show a real bank interface. A rendered statement is a fabricated financial document, which is a different category of problem entirely.
Character sheet
Paste the locked line verbatim into every prompt. Rewording it is the single most common cause of a face moving, and it never looks like the cause because the sentence still means the same thing to you.
Locked line
a man, mid thirties, South Asian features, a square face with a strong jaw, dark brown deep-set eyes, thick straight brows, an aquiline nose, evenly balanced lips, a cleft chin, cropped short straight salt-and-pepper hair with a deep side part, bronze skin, natural texture and visible pores, average height with an average build
Styling line
wearing contemporary Indian silhouettes, a warm neutral palette of sand, bone and camel, in a desk setup lit by monitor light, soft daylight from a large window, camera at eye level
Negative prompt
beauty filter, airbrushed skin, plastic skin, waxy skin, over-smoothed, perfectly symmetrical face, extra fingers, malformed hands, warped jewellery, text artifacts, watermark, logo on clothing, duplicate person, changing facial structure, smooth chin, poreless skin
Trait ledger
Why this route
Content pillars
Prompt kits
Each generator holds a face by a different mechanism. Placeholders in square brackets are the things only you have.
Midjourney
Character reference (--cref) plus a pinned --seed
Photograph of a man, mid thirties, South Asian features, a square face with a strong jaw, dark brown deep-set eyes, thick straight brows, an aquiline nose, evenly balanced lips, a cleft chin, cropped short straight salt-and-pepper hair with a deep side part, bronze skin, natural texture and visible pores, average height with an average build. Wearing contemporary Indian silhouettes, a warm neutral palette of sand, bone and camel, in a desk setup lit by monitor light, soft daylight from a large window, camera at eye level. Medium portrait, three-quarter angle, looking into the lens. Neutral expression, hands relaxed and out of frame --ar 4:5 --style raw --seed 2314515494 --cref [url of your approved reference frame] --cw 100
Flux
LoRA on the base model, or an in-context edit from a reference
Photograph of a man, mid thirties, South Asian features, a square face with a strong jaw, dark brown deep-set eyes, thick straight brows, an aquiline nose, evenly balanced lips, a cleft chin, cropped short straight salt-and-pepper hair with a deep side part, bronze skin, natural texture and visible pores, average height with an average build. Wearing contemporary Indian silhouettes, a warm neutral palette of sand, bone and camel, in a desk setup lit by monitor light, soft daylight from a large window, camera at eye level. Medium portrait, three-quarter angle, looking into the lens. Neutral expression, hands relaxed and out of frame negative: beauty filter, airbrushed skin, plastic skin, waxy skin, over-smoothed, perfectly symmetrical face, extra fingers, malformed hands, warped jewellery, text artifacts, watermark, logo on clothing, duplicate person, changing facial structure, smooth chin, poreless skin seed: 2314515494 | guidance: 3.5 | steps: 28
Seedream
Reference image conditioning with an explicit subject lock
Photograph of a man, mid thirties, South Asian features, a square face with a strong jaw, dark brown deep-set eyes, thick straight brows, an aquiline nose, evenly balanced lips, a cleft chin, cropped short straight salt-and-pepper hair with a deep side part, bronze skin, natural texture and visible pores, average height with an average build. Wearing contemporary Indian silhouettes, a warm neutral palette of sand, bone and camel, in a desk setup lit by monitor light, soft daylight from a large window, camera at eye level. Medium portrait, three-quarter angle, looking into the lens. Neutral expression, hands relaxed and out of frame Keep identical: a man, mid thirties, South Asian features, a square face with a strong jaw, dark brown deep-set eyes, thick straight brows, an aquiline nose, evenly balanced lips, a cleft chin, cropped short straight salt-and-pepper hair with a deep side part, bronze skin, natural texture and visible pores, average height with an average build Change only: [the one thing that changes in this shot]
SD + LoRA
LoRA plus IP-Adapter, run locally
<lora:[your lora trigger word]:0.8> Photograph of a man, mid thirties, South Asian features, a square face with a strong jaw, dark brown deep-set eyes, thick straight brows, an aquiline nose, evenly balanced lips, a cleft chin, cropped short straight salt-and-pepper hair with a deep side part, bronze skin, natural texture and visible pores, average height with an average build. Wearing contemporary Indian silhouettes, a warm neutral palette of sand, bone and camel, in a desk setup lit by monitor light, soft daylight from a large window, camera at eye level. Medium portrait, three-quarter angle, looking into the lens. Neutral expression, hands relaxed and out of frame Negative: beauty filter, airbrushed skin, plastic skin, waxy skin, over-smoothed, perfectly symmetrical face, extra fingers, malformed hands, warped jewellery, text artifacts, watermark, logo on clothing, duplicate person, changing facial structure, smooth chin, poreless skin Seed: 2314515494, CFG: 6, Steps: 30, Sampler: DPM++ 2M Karras
Sora
First-frame conditioning from an approved still
Opening frame: [url of your approved reference frame] Motion: [what moves — keep it small] Camera: slow push in Duration: 8s | Aspect: 9:16
Veo
Image-to-video from a locked still, plus native audio
Image: [url of your approved reference frame] Action: [what moves — keep it small] Dialogue: "[one line of dialogue]" Camera: slow push in | Aspect: 9:16
Kling
Start-and-end frame conditioning
Start frame: [url of your approved reference frame] End frame: [url of your end frame] Motion: [what moves — keep it small] Duration: 8s
Runway
Reference-locked generation with per-shot camera control
Reference: [url of your approved reference frame] Shot: [what moves — keep it small] Camera move: slow push in Duration: 8s
HeyGen
A trained avatar, reused as an asset
Avatar: arjunsplitsbills Voice: [your saved voice] Script: [your script]
ElevenLabs
A saved voice, versioned like the face
Voice: arjunsplitsbills Stability: 0.45 | Similarity: 0.8 | Style: conversational Script: [your script]
Paired shots
Seated, waist up, camera slightly above eye height
Full-frame screen content, persona in a small inset in one corner
An open notebook filling two-thirds of frame, pen and one prop alongside
Chest up, offset to the right third, camera at eye height
Disclosure
First line of the caption, above the 'more' fold, plus the paid-partnership label where money changed hands.
Profile bio line
एआई-निर्मित किरदार। एक असली व्यक्ति द्वारा संचालित।
Caption line
यह क्रिएटर एआई-निर्मित है।
AltF Persona summarises published guidance so you know which questions to ask. It is not legal advice, rules differ by market and change often, and responsibility sits with whoever operates the account.
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