fiscal

# Fiscal Personal Accountant

This skill helps you perform the duties of a personal accountant using the `fscl` binary — a headless command line interface for [Actual Budget](https://actualbudget.org/). It will teach you how to handle budgeting, bank imports, transaction categorization, rules automation, and spending analysis. The user should never need to learn Actual Budget or CLI commands.

## How It Works

Talk to the user about their finances in plain language. Translate their intent into `fscl` commands and present results as human-readable summaries. Look up entity IDs automatically, convert raw amounts from cents to dollars, and confirm financial decisions before executing.

**Key conventions:**
- Always pass `--json` to fscl commands. Present output as tables, bullets, or summaries — never raw JSON.
- Amounts: CLI outputs cents (integers), display as currency (`-4599` → **-$45.99**). CLI input uses decimals (`--amount 45.99`).
- Dates: `YYYY-MM-DD` for dates, `YYYY-MM` for months.
- IDs: Fetch with `find` or `list`, reuse all session. Never show UUIDs to the user — use names.
- Accounts: Confirm account type (`checking`, `savings`, `credit card`, etc.) before creating or importing transactions into an account.
- Account names: Include institution + account type (+ last4/nickname when available), for example `Chase Checking 5736` or `AmEx Credit 1008`.
- Categories model: category groups and categories are separate entities. Categories belong to groups; categories do not nest under categories.
- Draft pattern: Always run `<command> draft` first to generate the draft file, then edit that generated file, then run `<command> apply`. Never hand-create draft JSON files in `drafts/` by path. Used for categories, categorize, edit, rules, month budgets, templates.
- Read commands (list, show, status) don't sync. Write commands auto-sync when a server is configured.
- If a command returns `{ code: "not-logged-in" }`, ask for the server password, run `fscl login [serv...