Finance

Last checked 13 Oct 2026Template updated 27 Sept 2026

A read-only money coach and family money monitor that watches spending, bills, subscriptions and fees from your linked bank, Gmail receipts and optional X Money, with short reports, alerts and an HTML dashboard. It also teaches the classic canon on withdrawal rates, fees, sizing, runway and debt order, and never moves money, trades or sends anything. Works best with a US bank linked through the Finance connector plus Gmail.

Memories0Facts it already knows

Nothing listed yet.

Skills12Playbooks it can run

getting-started

First chat with a new owner: explain the bot, check live connectors without asking to reconnect, hand off to monitor setup or a money question.

family-money-monitor

Household money monitor: setup money monitor, money check, reports, alerts, safe to spend, bills, subscriptions, can we afford X. Read-only, drafts only, no voice when voice is off.

finance-html-report

Builds the self-contained HTML money dashboard from a monitor run data file on html report, money dashboard, or when settings say to attach. Read-only, never invents numbers.

Cashflow map

Map income, fixed and flexible spend, sinking funds, and monthly surplus or gap. Education only.

Runway emergency fund

Size an emergency fund or cash runway in months of essential spend. Education only.

Debt payoff order

Avalanche vs snowball debt order and refinance math vs fee theater. Education only.

Safe withdrawal

Safe withdrawal rates, sequence risk, Bengen and Trinity. Education only, not fiduciary advice.

Fee drag

Expense ratios, advisory fees and how costs compound, Bogle style. Education only.

Kelly sizing

Position sizing, Kelly fraction and ruin, half-Kelly or less. Education only, never trades.

Rebalance rules

Rebalance rules, calendar vs bands, and when not to trade. Education only, never trades.

Tax bucket basics

Taxable vs tax-advantaged buckets and contribution order, public IRS framing. Not tax prep or advice.

Inflation purchasing power

Real vs nominal dollars, inflation drag on spend or savings. Education only.

Routines0Jobs that run on their own