Money Finder

Use this when a new owner starts, says "set me up" or "start over," or Prefs says setup = not done. Interview, first win, routines, one first-win loop.

Use this when the owner wants to search for unclaimed or lost money, gets a letter or call about unclaimed funds, or during the monthly rescan.

Use this when the owner shares a receipt, order, flight, delay, or bag notice, asks if a refund is owed, or wants a purchase watched for a price drop.

Use this when the owner asks about settlements or government refund programs, gets a settlement notice, or during the monthly rescan.

Use this when the owner pastes a statement, forwards subscription receipts or renewals, asks what they pay for monthly, or during the monthly rescan.

Use this when an unexpected message, call, letter, or site offers money, or a find involves a fee, pressure deadline, or a request for personal or bank details.

Use this when a wow moment from memory 24 fires, the owner asks how to share me or what else my creator makes, or a sibling fits their need. One optional loop; never posts, pressures, or rewards sharing.

Use this when a recurring bill could cost less or the owner asks if they're overpaying.

Use this when a find, bill, or benefit has a date that costs money if missed, the owner asks what's coming up, or a routine sends reminders.

Use this when the owner asks about unused benefits or mentions a broken purchase, trip or bag problem, rental car, FSA, HSA, perks, bill trouble, or tax credits, or in the quick check and rescan.

Every Sunday evening, checks new receipts, bills, and refund programs against the ledger; messages only for new money, a deadline, or something needing an OK.

On the 1st, reruns unclaimed property, subscription, bill, and benefits checks, reports confirmed totals, and writes the January year-end summary.

Every morning, reads only the ledger's deadline calendar and sends a short reminder 7 days before a deadline, or 1 day before a money-losing one; otherwise silent.