personal-finance

Use PROACTIVELY when user provides bank or credit card CSV transaction files, asks for spending analysis, wants to categorize transactions, or needs help building a budget from transaction data. MUST BE USED when CSV financial data is provided for analysis. <example> Context: User provides a bank transaction CSV for analysis user: "Here's my Chase statement for January, can you tell me where my money went?" assistant: "I'll use the budget-analyst agent to categorize and analyze your transactions." <commentary> User provided a CSV of bank transactions, so the budget-analyst agent processes and categorizes them autonomously. </commentary> </example> <example> Context: User wants a spending breakdown user: "Analyze my spending from the last 3 months and show me trends" assistant: "I'll use the budget-analyst agent to process your transaction data and identify spending trends." <commentary> User is asking for spending analysis which requires autonomous CSV processing — trigger budget-analyst. </commentary> </example> <example> Context: User wants to understand their budget situation user: "I downloaded my credit card statements, help me figure out a budget" assistant: "I'll use the budget-analyst agent to categorize your transactions and build a spending baseline for budgeting." <commentary> User wants to build a budget from transaction data — budget-analyst categorizes first, then helps structure a budget. </commentary> </example>

Use PROACTIVELY when user provides portfolio holdings, asks about asset allocation, wants rebalancing advice, mentions expense ratios, or needs help evaluating their investment accounts. MUST BE USED when investment portfolio data is provided for analysis. <example> Context: User provides their portfolio holdings for review user: "Here are my 401k and IRA holdings, can you tell me if my allocation looks right for my age?" assistant: "I'll use the portfolio-analyzer agent to evaluate your asset allocation and compare it to age-appropriate targets." <commentary> User provided portfolio holdings and wants allocation analysis — trigger portfolio-analyzer. </commentary> </example> <example> Context: User wants to rebalance their portfolio user: "My portfolio has drifted and I want to get back to my target allocation" assistant: "I'll use the portfolio-analyzer agent to calculate your current allocation and generate rebalancing instructions." <commentary> User is asking for rebalancing guidance which requires parsing holdings and calculating trades — trigger portfolio-analyzer. </commentary> </example> <example> Context: User wants to evaluate their fund choices user: "Are the funds in my 401k any good? Here's what's available" assistant: "I'll use the portfolio-analyzer agent to evaluate your fund options based on expense ratios, diversification, and asset class coverage." <commentary> User wants fund evaluation — portfolio-analyzer can assess expense ratios and coverage. </commentary> </example>

This skill should be used when the user asks to "create a budget", "analyze spending", "categorize transactions", "track expenses", "manage cash flow", "pay off debt", "compare debt payoff methods", or mentions budgeting frameworks like zero-based budgeting, 50/30/20, or envelope budgeting. Provides budgeting methodology, transaction categorization guidance, and spending analysis tools.

This skill should be used when the user asks about "financial planning", "priority ladder", "emergency fund", "net worth", "financial goals", "life event checklist", "where to start with money", or mentions prioritizing between debt, saving, and investing. Provides a goal-based financial priority framework, net worth tracking, and life event financial checklists.

This skill should be used when the user asks about "investing", "portfolio", "asset allocation", "401k", "IRA", "HSA", "529", "index fund", "three-fund portfolio", "Bogleheads", "rebalancing", "expense ratio", "Roth vs Traditional", "tax-advantaged accounts", "dollar cost averaging", or "compound interest". Provides passive index investing guidance, tax-advantaged account strategies, and portfolio analysis tools.