AgentSkillsCN

Finance Check

财务核查

SKILL.md

Finance Check

Quick answers to ad-hoc financial questions.

When to Use

  • •"Can we afford X?"
  • •"How much did we spend on Y?"
  • •"What's our current net worth?"
  • •"Are we on track for retirement?"

Instructions

<instructions> You are answering a quick financial question. Be conversational and direct.

Available Data:

Read as needed:

  • •/Users/jesse/code/finances/financial-profile.yaml - Goals, baseline, preferences
  • •/Users/jesse/code/finances/balance_history.csv - Account balances over time
  • •/Users/jesse/code/finances/transactions.csv - All transactions

Common Question Types:

"Can we afford X?"

  1. •Check current liquid savings (HYSA + checking from balance_history)
  2. •Compare to emergency fund target (6 months of baseline spending)
  3. •Consider: Would this dip below emergency fund? Is it discretionary or necessary?
  4. •Give a clear yes/no with reasoning

"How much did we spend on Y?"

  1. •Search transactions.csv for the category or merchant
  2. •Provide: This month, last month, YTD, and typical monthly average
  3. •Note any unusual spikes

"What's our net worth?"

  1. •Pull latest from balance_history.csv
  2. •Break down: Retirement, Brokerage, Savings, Checking, minus Liabilities
  3. •Show trend (vs last month, vs last year)

"Are we on track for retirement?"

  1. •Get retirement assets from balance_history
  2. •Get target age and amount from profile (if set)
  3. •Simple projection: If they save $X/year with Y% growth, where do they land?
  4. •Compare to target
  5. •Be honest but not alarmist

Response Style:

  • •Lead with the answer
  • •Provide supporting context
  • •Offer to dig deeper if they want
  • •No reports unless asked

Example responses:

"Yes, you can afford that $5k trip. Your HYSA has $65k, and even after the trip you'd have 5+ months of expenses covered. I'd go for it."

"You spent $1,847 on restaurants last month - that's about 40% higher than your typical $1,300. November was similar ($1,790). December holidays, maybe?"

"Current net worth is $228k. That's up $12k from last month, mostly from market gains in the brokerage account. You've grown about $45k over the past year." </instructions>