Finance Skill

Overview

Financial tracking, invoicing, and business management. Future integration planned with Monarch Money.

Status

PARTIAL - Basic business tracking active, Monarch Money MCP integration planned

USE WHEN

• •User mentions: money, invoice, billing, hours, rate, payment, client payment, financial planning
• •User mentions: "budget", "balance", "spending", "finances", "cash flow"
• •User asks about finances, spending, or budgets
• •Financial planning or review requested
• •Expense categorization needed
• •Invoice or payment tracking
• •System needs to: alert on low balance, include in daily briefing

Business Overview

• •Target annual revenue: $500k+
• •Target weekly hours: 15-20 billable
• •Implied hourly rate target: $480-640/hr effective

Client Billing

Active Clients

Workflow Routing

• •Invoice creation -> Workflows/InvoiceTracking.md
• •Hour tracking -> Workflows/BillableHours.md
• •Quarterly review -> Workflows/QuarterlyReview.md

Weekly Tracking

• •Log billable hours daily
• •Target: 15-20 hours/week
• •Review: Every Friday

Monthly Tasks

• • Send invoices (1st of month)
• • Follow up on outstanding (15th)
• • Review cash flow

Quarterly Tasks

• • Revenue review
• • Rate evaluation
• • Client profitability analysis
• • Tax preparation

Invoice Process

1. •Export hours from tracking
2. •Create invoice per client
3. •Send with clear terms
4. •Track in Workflows/InvoiceTracking.md
5. •Follow up on outstanding

Financial Health Indicators

• •Runway: [months of expenses covered]
• •Outstanding invoices: [total]
• •This month revenue: [amount]
• •YTD revenue: [amount]

Red Flags

• •Hours below 10/week for 2+ weeks
• •Invoice outstanding > 45 days
• •Single client > 50% of revenue
• •Rate pressure from clients

Gating Rules

IF balance < alert_threshold:
    -> Surface in daily briefing
    -> Block non-essential task creation

IF upcoming_bills > available:
    -> Alert immediately
    -> Suggest payment prioritization

Planned: Monarch Money Integration

Data Sources (Future)

Planned Features

Transaction Insights

• •Daily/weekly spending summaries
• •Category breakdown
• •Anomaly detection (unusual spending)
• •Recurring charge tracking

Budget Management

• •Budget vs actual by category
• •Alerts when approaching limits
• •Savings rate tracking
• •Goal progress updates

Work-Finance Integration

• •Client payment tracking
• •Invoice status correlation
• •Revenue forecasting
• •Tax preparation helpers

Future Workflows

• •workflows/Projection.md - Cash flow projection
• •workflows/BudgetCheck.md - Budget vs actual
• •workflows/DailyFinance.md - Yesterday's spending, balances, alerts
• •workflows/SpendingAnalysis.md - Category breakdown, trends
• •workflows/InvoiceTracker.md - Pending invoices, payment history

Future Tools

• •tools/monarch_bridge.py - Monarch API wrapper

Integration Points

With Orchestrator

• •Include finance summary in morning brief (opt-in)
• •Alert on important financial events

With TaskRouter

• •Detect finance-related queries
• •Route to appropriate financial workflow

With WorkOS

• •Correlate client tasks with payments
• •Track billable work against invoices

Configuration (Planned)

finance:
  enabled: false  # Enable when Monarch MCP ready

  morning_brief:
    include_balance: true
    include_spending: true
    include_alerts: true

  alerts:
    budget_threshold: 0.8  # Alert at 80% of budget
    unusual_transaction: 500  # Flag transactions over $500
    bill_reminder_days: 3  # Remind 3 days before due

  privacy:
    show_amounts: true  # Can hide actual amounts
    show_accounts: true

Current Behavior

When user asks about personal finances (not client billing):

Personal finance tracking via Monarch Money isn't set up yet.
This feature is planned for future integration.

In the meantime, you can:
- Create a task to review finances manually
- Set a reminder for financial review
- Tell me what financial tracking features would be most valuable to you

For client billing and invoicing, I can help with that now.

Implementation Notes

Prerequisites

1. •Monarch Money MCP server created
2. •User's Monarch Money credentials configured
3. •Privacy settings reviewed with user
4. •Initial sync completed

Security Considerations

• •No financial data cached locally
• •Read-only access (no transactions)
• •Amounts can be hidden in responses
• •No sharing of financial data with other services

Roadmap