start

name	start
description	Главно меню на coinskills — статус спрямо целите, налични инструменти. Използва се при стартиране на нова сесия с coinskills.

Start — Status Snapshot & Main Menu

Overview

This skill is the front door to coinskills. Every session begins here. It locates your workspace, loads your profile and active goals, computes net worth against the latest snapshot, and renders a concise status block so you can see at a glance where you stand. It then suggests the most relevant next action based on the state of your goals and review cadence — no manual navigation required. After rendering the status block and suggestion, it waits for your input.

---

Step 0: Schema version gate

Schema version gate. Read <workspace>/profile.md frontmatter. If schema_version != 2 (or absent), print:

v0.2 features require migration. Run /coinskills:migrate first.

Exit. Do NOT proceed.

Load aggregate state via snapshot. Follow skills/_shared/snapshot-compute.md. The snapshot provides liquidity (disposable, emergency_buffer, monthly_expenses, monthly_capacity), per-goal prereqs_met and projected_completion, and warnings (every _estimated field). Use these values directly — do not recompute unless the snapshot is stale.

Goal references in output: always render as <title> (<id>). Example: Emergency fund 6mo (emergency-fund-6mo). Never bare ids.

Step 1: Locate the Workspace

Read the file ~/.coinskills-workspace. This file is a plain text file or symlink written by /coinskills:init containing the absolute path to the user's workspace repo (one line, no trailing newline required).

cat ~/.coinskills-workspace

• If the file exists and contains a valid path, store that path as <workspace> and proceed.

• If the file does not exist, or the path it contains does not exist on disk, stop and display:

  No coinskills workspace found. Run /coinskills:init to set one up — it will create your profile, a private GitHub repo, and seed your first goals.

  Do not proceed further.

• If the file exists but the path is a directory that has no profile.md, treat it as uninitialized and display the same message above.

---

Step 2: Load Profile and Active Goals

Read the following files from <workspace>:

1. <workspace>/profile.md — parse the YAML frontmatter to extract:

   • name
   • currency
   • modules (list)
   • preferences.review_cadence (monthly | quarterly | yearly)
   • preferences.decision_style

2. <workspace>/goals/*.md — list all .md files in the goals/ directory. For each file, parse the YAML frontmatter and keep only the files where status: active. For each active goal, extract:

   • id
   • title
   • type
   • target_amount
   • currency
   • deadline
   • priority

3. Latest snapshot (if present) — look for files in <workspace>/snapshots/. The relevant snapshot for the status block is a net-worth snapshot. Look for snapshots/net-worth.json or any file in snapshots/ whose name contains net-worth. If found, parse the JSON array and take the last entry (highest index). Extract:

   • date → store as <snapshot_date>
   • value → store as <snapshot_net_worth>
   • breakdown → optional, used for display

   If no snapshot exists, <snapshot_net_worth> and <snapshot_date> are null.

4. <workspace>/accounts.json — read the JSON array. Compute current net worth:

   net_worth = sum(balance for all accounts)
   

   Positive balances add, negative balances (debts/credit cards) subtract. This is the current net worth.

5. Delta — if <snapshot_net_worth> is not null:

   delta = net_worth - snapshot_net_worth
   

   Format as +{amount} if positive, -{amount} if negative, 0 if zero. If no prior snapshot exists, display Δ n/a (first session).

6. Latest plan per active goal — for each active goal with id = <goal-id>, look for files matching <workspace>/plans/<goal-id>-v*.md. Find the file with the highest version number. Parse its frontmatter to get:

   • monthly_contribution
   • projection (on-track | behind | ahead)
   • status — only use the plan if status: active

   If no active plan file exists for a goal, that goal has no plan.

7. Progress per active goal — for each active goal, compute progress as:

   • If the goal has linked_accounts, sum their balances from accounts.json. Use this as progress.
   • If no linked accounts are specified, progress is unknown — display as ?.

8. status_tag per active goal — compute using the following rules:

   • If there is no active plan for this goal → no-plan
   • If plan's projection is on-track → on-track
   • If plan's projection is behind:
     • Compute days behind: estimate based on gap between current progress and where the plan says you should be by now. If the exact gap is not computable from available data, display behind ?d.
     • Display as behind {N}d
   • If plan's projection is ahead → ahead {N}d (same approach for N)
   • If you cannot determine days from the data, use behind ?d or ahead ?d rather than failing.

9. Last review date — list files in <workspace>/reviews/*.md. Recognise three filename shapes written by /coinskills:review: monthly YYYY-MM.md, quarterly YYYY-QN.md (N is 1–4), yearly YYYY.md. Parse the date from the filename (use the first day of the month / quarter / year as the comparison anchor) and pick the most recent. If no review files exist, <last_review_date> is null.

---

Step 3: Render Status Block

Print the following status block exactly, substituting the values gathered in Step 2. Preserve the emoji characters, indentation, and line structure precisely:

👋 Hi {name}
📊 Net worth: {currency} {amount} (Δ {delta} vs last snapshot)
🎯 Active goals:
   • {title} — {progress}/{target} ({status_tag})
📦 Modules: {modules}

Rules for substitution:

• {name} — value of name from profile.md
• {currency} — value of currency from profile.md
• {amount} — net_worth, formatted as a number with two decimal places (e.g. 12450.00). If accounts.json does not exist or is empty, display unknown.
• {delta} — formatted delta computed in Step 2 (e.g. +340.00, -120.50, n/a (first session))
• {title} — goal title from goal frontmatter
• {progress} — computed progress value (numeric, or ? if unknown)
• {target} — target_amount from goal frontmatter
• {status_tag} — one of: on-track, behind {N}d, ahead {N}d, no-plan
• {modules} — comma-separated list from profile.modules (e.g. personal, investments)

If there are multiple active goals, repeat the • {title} — ... line once per goal, sorted by priority ascending (priority 1 first).

If there are no active goals, replace the entire 🎯 Active goals: section with:

🎯 Active goals: none

Blocked goals (waiting on prerequisites)

For every goal where snapshot.goals[].status == "blocked":

• Render <title> (<id>) with the unmet-prereqs list from snapshot.goals[].prereqs_met.unmet. Show count: "/ prereqs met".
• Suggest the next user action: for any unmet attestation prereq, suggest /coinskills:edit attestation <id> "<label>".

Example:

Blocked (waiting on prerequisites):
  Mustang Dark Horse (mustang-dark-horse) — 2/5 prereqs met
    ✗ finish-consumer-credit not complete
    ✗ savings-revolut < €25,500
    ○ Praven salary stable for 12 months — attestation pending
        run: /coinskills:edit attestation mustang-dark-horse "Praven salary stable for 12 months"

Hide blocked goals from start --concise (default). Show with start --all or always when prereqs newly satisfied.

---

Step 4: Suggest Next Action

After the status block, print one blank line, then suggest the next action based on the following rules in priority order. Apply the first matching rule:

Rule 1 — No active goals:

No goals yet. Run `/coinskills:goals` to set your first financial goal — goals are the spine of every skill.

Rule 2 — Active goals without plans: Identify any active goal that has no active plan file (i.e. no plans/<goal-id>-v*.md with status: active).

Goal "{title}" has no plan yet. Run `/coinskills:plan` to build a contribution strategy.

If multiple goals lack plans, list only the highest-priority one (lowest priority number).

Rule 3 — Overdue review: Compare <last_review_date> against today's date using review_cadence:

• monthly → overdue if <last_review_date> is more than 31 days ago (or null)
• quarterly → overdue if more than 92 days ago (or null)
• yearly → overdue if more than 366 days ago (or null)

If overdue:

Your last review was {N} days ago (cadence: {review_cadence}). Run `/coinskills:review` when you're ready.

If <last_review_date> is null, display: "No reviews recorded yet. Run /coinskills:review at period end."

Rule 4 — Everything looks good — list all options:

Everything looks on track. What would you like to do?

  /coinskills:log              — log a transaction or balance update
  /coinskills:afford <thing>   — "can I afford X?" — full goal-impact decision
  /coinskills:analyze          — spending trends, net worth, allocation
  /coinskills:review           — periodic review (monthly / quarterly / yearly)

---

Step 5: Wait for Input

After rendering the status block and the next-action suggestion, stop and wait for the user's next message.

Do not auto-execute any other skill. Do not chain to /coinskills:goals, /coinskills:plan, /coinskills:review, or any other skill unless the user explicitly asks. The status block is informational — the next action is a suggestion, not a command.

If the user responds with a skill invocation (e.g. /coinskills:log, /coinskills:afford ...), proceed with that skill. If the user types free-form text, respond conversationally and help them decide what to do next, but still do not auto-execute a skill without their explicit request.