Quarterly Review

Full financial planning session with backward look, forward planning, and goal tracking.

When to Use

• •Every quarter (Jan, Apr, Jul, Oct)
• •After major financial events
• •When you want the full picture

What It Produces

Two HTML reports:

1. •Wife Report - Clean, conclusions-first summary
2. •Full Report - All the details and data

Instructions

Step 1: Load Data

Read these files:

• •/Users/jesse/code/finances/financial-profile.yaml - Goals and preferences
• •/Users/jesse/code/finances/balance_history.csv - Account snapshots
• •/Users/jesse/code/finances/transactions.csv - All transactions

Determine the current quarter and pull data for:

• •This quarter's transactions
• •Last quarter for comparison
• •Same quarter last year for YoY comparison

Step 2: Backward Analysis

Calculate:

• •Total spending by category (fixed vs discretionary)
• •Comparison to baseline from profile
• •Notable anomalies (categories 50%+ over baseline)
• •Net worth change from balance_history.csv

Step 3: Forward Planning

Ask the user:

• •"Any known big expenses coming up?"
• •"Expected income events (bonuses, stock vesting)?"
• •"Any financial decisions you're weighing?"

Step 4: Goal Tracking

From the profile, assess:

• •Retirement: Current retirement assets vs trajectory to goal
• •Emergency fund: Current liquid savings vs 6-month target
• •529: Status update if applicable
• •Vacation: YTD vacation spending vs annual budget

Step 5: Generate Reports

Create two HTML files in the finances directory:

Wife Report (wife-report-YYYY-QX.html)

Design requirements:

• •White background, clean typography
• •Max-width 600px, centered
• •Mobile-friendly
• •Generous whitespace

Content:

• •Bottom line (2-3 sentences - are we okay?)
• •Net worth (single number with trend arrow)
• •Key highlights (3-4 bullets max)
• •Goal progress (simple percentages or progress bars)
• •One action item (most important thing to decide/do)

Full Report (quarterly-report-YYYY-QX.html)

Content:

• •Executive summary
• •Spending breakdown by category (table)
• •Fixed vs discretionary split
• •Month-over-month trend
• •YoY comparison
• •Net worth breakdown by account
• •Asset allocation pie chart (can be text-based)
• •Goal tracking details
• •Notable transactions list
• •Raw data appendix

Tone:

• •Wife report: Reassuring, clear, no jargon
• •Full report: Analytical, comprehensive

After generating, tell the user where to find the reports and offer to walk through either one. </instructions>