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Audit spending for waste, unused subscriptions, and overspending by category. Use when the user asks to find waste, cut spending, review subscriptions, check for recurring charges they forgot about, or do a financial audit.
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Based on SOC occupation classification
Financial advisor intake — run when a user first sets up this project, says "onboard", "set up my profile", "get started", "intake", "configure my finances", or when CLAUDE.md has no Client Context section. Conducts a structured interview modeled on the CFP Board's 7-step process and writes personalized context to memory files (never to CLAUDE.md). USE THIS SKILL for any first-time setup or when the user wants to update their financial profile.
Quarterly financial health assessment. Use when the user asks for a full financial review, health check, "how am I doing", quarterly review, ratio check, financial assessment, or wants to know if they're on track. Also use when more than 30 days have passed since the last health check. Compares current state against goals, checks all key ratios, identifies which layer of the financial pyramid needs attention, and produces a prioritized action plan. Spawns research agents for tactical implementation details.
Answer "what should I do with my next dollar?" Apply the financial order of operations to the user's ACTUAL situation. Use when someone asks what to do with money, how to allocate a paycheck, where to put savings, whether to pay debt or invest, what to do with a bonus/raise/windfall/tax refund, or any variant of "I have $X — what's the best use?" Also use for "should I pay off X or save?" questions. THIS IS THE MOST COMMON FINANCIAL QUESTION — trigger aggressively.
Optimize HOW you execute financial strategies with your specific accounts, cards, and tools. Use when the user asks "how should I use my cards?", "optimize my rewards", "balance transfer options", "which account for X?", "am I leaving money on the table?", "what am I not taking advantage of?", or any variant of tactical account optimization. Also trigger after /next-dollar gives a strategic recommendation — this skill provides the implementation playbook. USE THIS SKILL when someone wants to squeeze maximum value from existing financial instruments. This skill spawns research agents for deep analysis.
Generate a weekly personal finance report. Use when the user asks for a weekly report, spending summary, finance review, or budget status.
Answer questions about personal finances — balances, transactions, spending patterns, account status, recent purchases, merchant history, income tracking. Use when the user asks anything about their money, accounts, or transactions.
| name | spending-audit |
| description | Audit spending for waste, unused subscriptions, and overspending by category. Use when the user asks to find waste, cut spending, review subscriptions, check for recurring charges they forgot about, or do a financial audit. |
| allowed-tools | Bash, Read |
Perform a spending audit using the unified SQLite ledger.
Primary: data/finance.db (SQLite)
-- Find merchants that appear monthly with consistent amounts
SELECT description,
ROUND(AVG(amount),2) as avg_amount,
COUNT(*) as occurrences,
MIN(date) as first_seen,
MAX(date) as last_seen
FROM transactions
WHERE amount > 0 AND amount < 500
GROUP BY description
HAVING COUNT(*) >= 2
AND (MAX(date) > date('now', '-60 days'))
ORDER BY avg_amount * 12 DESC;
-- Monthly spending by category
SELECT substr(date,1,7) as month,
SUM(amount) as total_spent,
COUNT(*) as txn_count
FROM transactions
WHERE amount > 0
GROUP BY month
ORDER BY month;
-- Find all dining/delivery/coffee (common national chains + generic patterns)
SELECT date, description, amount
FROM transactions
WHERE amount > 0
AND (LOWER(description) LIKE '%restaurant%'
OR LOWER(description) LIKE '%coffee%'
OR LOWER(description) LIKE '%doordash%'
OR LOWER(description) LIKE '%uber eats%'
OR LOWER(description) LIKE '%grubhub%'
OR LOWER(description) LIKE '%chipotle%'
OR LOWER(description) LIKE '%starbucks%'
OR LOWER(description) LIKE '%mcdonald%'
OR LOWER(description) LIKE '%bar %'
OR LOWER(description) LIKE '%grill%'
OR LOWER(description) LIKE '%brewing%'
OR LOWER(description) LIKE '%tavern%'
OR LOWER(description) LIKE '%pizza%'
OR LOWER(description) LIKE '%taqueria%'
OR LOWER(description) LIKE '%sushi%'
OR LOWER(description) LIKE '%cafe%'
OR LOWER(description) LIKE '%pub %'
OR LOWER(description) LIKE '%bistro%')
ORDER BY date DESC;
Note: This query catches common patterns but will miss local restaurants. Supplement
by checking the Plaid category field if available, or look at merchants with
amounts in the $8-$80 range that appear on evenings/weekends.
SELECT description, COUNT(*) as times, SUM(amount) as total
FROM transactions WHERE amount > 0
GROUP BY description
ORDER BY total DESC LIMIT 30;
Be direct and specific. Name exact dollar amounts and merchants.