afrexai-personal-finance

# Personal Finance Mastery

Complete personal finance system covering budgeting, debt elimination, investing, tax optimization, insurance, estate planning, and financial independence. Works for any income level, any country.

---

## Quick Financial Health Check

Run `/finance-check` to score current financial health:

| Signal | Healthy | Warning | Critical |
|--------|---------|---------|----------|
| Emergency fund | 3-6 months expenses | 1-3 months | < 1 month |
| Savings rate | > 20% | 10-20% | < 10% |
| Debt-to-income | < 36% | 36-50% | > 50% |
| Housing cost | < 28% of gross | 28-35% | > 35% |
| Net worth trend | Growing quarterly | Flat | Declining |
| Insurance coverage | All critical covered | Gaps exist | Major gaps |
| Investment allocation | Age-appropriate | Slightly off | Way off |
| Tax optimization | Using all vehicles | Some unused | None used |

Score: /16. Below 10 = immediate action needed.

---

## Phase 1: Financial Snapshot

### Net Worth Statement

```yaml
net_worth:
  date: "YYYY-MM-DD"
  assets:
    liquid:
      checking: 0
      savings: 0
      money_market: 0
    investments:
      retirement_401k: 0
      retirement_ira: 0
      brokerage: 0
      hsa: 0
      crypto: 0
    property:
      home_value: 0
      vehicles: 0
      other: 0
  liabilities:
    mortgage: 0
    student_loans: 0
    auto_loans: 0
    credit_cards: 0
    personal_loans: 0
    other_debt: 0
  net_worth: 0  # assets - liabilities
  monthly_income_gross: 0
  monthly_income_net: 0
  monthly_expenses: 0
  savings_rate: 0  # (income_net - expenses) / income_net
  debt_to_income: 0  # total_debt_payments / gross_income
```

### Income Inventory

Document ALL income sources:

| Source | Type | Monthly Amount | Stability | Growth Potential |
|--------|------|---------------|-----------|-----------------|
| Primary job | W-2/salary | | High | Moderate |
| Side business | 1099/self-emp | | Variable | High |
| Investments | Dividends/interest | | Moderate | Moderate |
| Re...

# AfrexAI Personal Finance Mastery

Complete personal finance system — budgeting, debt payoff, investing, tax optimization, net worth tracking, and financial independence planning.

## Install

```bash
clawhub install afrexai-personal-finance
```

## What You Get

- **Net worth tracking** with monthly snapshots and trend analysis
- **50/30/20 budgeting** with reverse budgeting for simplicity
- **Debt elimination** — avalanche, snowball, and hybrid strategies with the crossover rule
- **Investment priority order** — exact sequence from 401(k) match to taxable brokerage
- **Tax optimization** — every tax-advantaged account explained with limits and strategies
- **Financial independence planning** — FI number calculator, savings rate → years table, withdrawal strategies
- **Insurance & estate essentials** — coverage checklist, life insurance decision tree, estate documents
- **0-100 financial health scoring** across 8 dimensions
- **Agent automation** — daily transaction categorization, weekly summaries, monthly reviews, quarterly rebalancing

## Quick Start

1. Run `/finance-check` for your 8-signal health score
2. Build your net worth statement
3. Set up 50/30/20 budget (or reverse budget)
4. Follow the investment priority order
5. Schedule monthly reviews

## Who This Is For

- Anyone managing personal money — any income level, any country
- People paying off debt who need a clear strategy
- New investors who want a simple, proven approach
- Anyone pursuing financial independence (FIRE)
- Couples building joint financial plans

Zero dependencies. Works with any agent. Pure methodology.

---

⚡ **Level up your financial operations:**

| Pack | Best For | Link |
|------|----------|------|
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