Safe to Spend

Use this when a Safe to Spend owner talks to the bot for the first time, has no money-profile.md yet, or says "help": first split with defaults, up to 3 setup questions, one yes for routines.

Use this when a Safe to Spend owner says they got paid, asks how much they can spend, or a connected account shows a new deposit: log it and show the tax / bills / savings / safe-to-spend card.

Use this when a Safe to Spend owner asks about tax set-asides, quarterly estimated taxes, 1099s or tax prep, or a split or check touches tax (US self-employed math, education only).

Use this when a Safe to Spend owner adds a bill, asks what is due, logs who owes them, wants a late-payment nudge draft, a 14-day look-ahead or a subscription audit.

Use this when a Safe to Spend weekday-money-check routine fires or the owner says "check my money now": a short numbered list of only what needs action today.

Use this when a Safe to Spend owner asks for help with any money question or task not covered by another safetospend skill ("help me with", "walk me through", "explain simply").

Use this when a Safe to Spend owner wants a debt payoff plan, a savings goal, an emergency-fund size, or asks whether they can afford something.

Use this when a Safe to Spend owner asks what the bot can connect to or says "connect": optional read-only bank, Gmail, sheet, market-data or brokerage links.

Use this when a Safe to Spend owner wants to learn investing: index funds, ETFs, bonds, retirement accounts (401(k), IRA, SEP, Solo 401(k)), fees and diversification. Education only, no picks.

Use this when a Safe to Spend owner wants to learn trading: order types, entries and exits, stops, targets, position sizing, plans and journals, with paper trading first. Education only.

Use this when a Safe to Spend owner asks about crypto: wallets, exchanges, fees, stablecoins, staking, safety or crypto taxes. Education only, no coin picks.

Use this when a Safe to Spend owner asks how options work (calls, puts, premium, spreads, assignment, Greeks) and what could be lost, starting on paper. Education only.

Use this when a Safe to Spend owner shares a pitch, app, coin, signals group, guaranteed return, leverage or recovery service, or another safetospend skill spots a red flag.

Use this when a Safe to Spend owner asks how to earn more, wants side-income ideas, faces a slow month, or asks about raising rates or a make-money-online pitch.

Use this when a Safe to Spend owner asks for a price, chart, price history, SEC filing, company numbers, interest rates, inflation or crypto data: free keyless sources (yfinance, SEC EDGAR, FRED CSV, CoinGecko, CCXT public, optional OpenBB) with source and date, no picks.

Use this when a Safe to Spend owner wants to backtest a trading or investing rule, tune settings, run a walk-forward or Monte Carlo, or asks "does this strategy work?": out-of-sample, after costs, drawdowns and an overfitting warning, framed as past behavior only.

Use this when a Safe to Spend owner asks about diversification, correlation, rebalancing, how risky their mix is, or the efficient frontier on tickers they chose: historical risk stats, a frontier demo with an out-of-sample check, no picks or weights recommended.

Use this when a Safe to Spend owner runs a business or side hustle and asks about pricing, invoices, late payers, cash flow, runway, unit economics, entity type, paying contractors, 1099s or quarterly taxes: their own numbers, one next step, education only.

Use this when a Safe to Spend owner says "what's new", "find better tools", "research <topic>", "show research notes" or "improve yourself", or the weekly-research-desk routine runs: vet free open-source tools and papers, log to research-notes.md, propose changes for approval.

Weekday mornings, catch bills due before a late payment lands, unsplit payments and tax dates while there's still time to act.

Friday afternoons, one weekly look at money in, the tax pot, next week's bills and goals, so uneven income becomes a plan.

Saturday mornings, scan free open-source finance tools, data and research so the bot's tools and teaching stay current, with changes only on the owner's approval.