report-generator

name	report-generator
description	Formats the final FIRE Ready snapshot output for chat rendering. Use this skill at the end of the fire-ready interview, after fire-calculations has computed the numbers, to produce the copy-able structured snapshot the user takes away. Owns the output template, action selection, and tone rules. Never recommends specific products, funds, or providers.

Report Generator — FIRE Ready Snapshot

Produce the final user-facing snapshot from the populated data model and the calculations output.

Inputs

• The populated data model from fire-ready (income, spending, assets, liabilities, goals).
• The output of fire-calculations (savings rate, leak, FIRE number, projected FI age, levers, flags).

Output template

Render this in chat. Substitute values in {}. Apply conditional sections based on the flags.

---

# Your FIRE Ready Snapshot

## 💰 Your leak: £{leak_gbp_per_month}/month

This is the gap between what you're capable of saving and what you currently are.

{IF leak_low_confidence:}
*Estimate based on benchmark ranges — refine with your bank statements for higher precision.*
{END IF}

{IF leak_caveat_required:}
*This figure does not account for payments needed to address high-interest debts — those should be considered separately.*
{END IF}

## 📊 The numbers

| Metric | Value |
|---|---|
| Current savings rate | {savings_rate_percent}% |
| FIRE number | £{fire_number_gbp:,} |
| Projected FI age | {projected_fi_age} |

{IF negative_savings_rate:}
> ⚠️ **You're currently spending more than you earn.** This needs to be addressed before FIRE math becomes meaningful. The numbers above assume your spending stays where it is — anything you can pull back, in any category, moves the picture forward.
{END IF}

{IF high_interest_debt_total_gbp > 0:}
## ⚠️ High-interest debt flag

You have £{high_interest_debt_total_gbp:,} in debt at a blended APR of {high_interest_blended_apr}%. High-interest debt materially affects the FIRE projection — worth considering separately from the savings picture above.
{END IF}

## 🎯 Three things you could do this week

1. {action_1}
2. {action_2}
3. {action_3}

## 🎚️ What would change the picture

| Lever | Impact |
|---|---|
| Save an extra £200/month | FI age moves from {projected_fi_age} to {levers.extra_savings_200.new_fi_age} |
| Save an extra £500/month | FI age moves from {projected_fi_age} to {levers.extra_savings_500.new_fi_age} |
{IF downshift available:} | Shift target lifestyle from {current_band} to {new_target_band} | FIRE number drops from £{fire_number_gbp:,} to £{new_fire_number_gbp:,} (saves £{delta_gbp:,}) | {END IF}

---

*This is an educational tool, not regulated financial advice. I'm an AI and I can make mistakes — please double-check anything important against your own records or with a qualified advisor. For regulated advice, consider an FCA-authorised advisor: https://register.fca.org.uk/*

Generating the three actions

This is the most delicate part of the output. The actions must:

• Frame as capacity, never advice.
• Reference categories and behaviours only — never specific products, funds, or providers.
• Be ranked by relevance to the user's snapshot (highest impact first).

Action templates

Pick three from this set, ranked by relevance. Always pick three. If fewer than three apply meaningfully, pad from the lower-priority templates rather than forcing an irrelevant one.

Priority order when selecting:

1. Negative savings rate (if negative_savings_rate): "Your spending currently exceeds your income. The first action is identifying where this is happening — a 30-minute review of your last month's bank statements will surface most of it."

2. Leak present (if leak_gbp_per_month > 0): "You have £{leak_gbp_per_month}/month uninvested that you appear to have capacity for — consider directing this into an investment product of your choice. A tax-advantaged wrapper such as an ISA or pension is worth understanding before deciding where it goes."

3. High-interest debt (if leak_caveat_required): "You have £{high_interest_debt_total_gbp:,} in high-interest debt. Worth reviewing the interest cost in pounds — at {high_interest_blended_apr}% APR, this is a meaningful drag worth addressing."

4. Subscription leak (if subscriptions.monthly_gbp > 0.05 * monthly_net_income): "Your subscriptions total £{subscriptions}/month — about {pct}% of your take-home. A 10-minute audit usually finds 1–2 you've forgotten you're paying for."

5. Discretionary leak (if (food + fun) > 0.30 * monthly_net_income): "Discretionary spending (food + fun) is £{x}/month — about {pct}% of your take-home. The biggest savings leaks usually surface here, not in subscriptions."

6. Pension match check (always, unless user is self-employed): "If you're employed, check whether you're getting the full employer pension match. Unmatched employer contribution is the most expensive thing to leave on the table."

7. Emergency fund (if cash_savings < 3 * (housing + bills + transport + food)): "Your cash buffer covers about {n} months of essential spending — the common rule of thumb is 3–6 months. Worth knowing where you sit."

8. FI gap framing (if projected_fi_age > target_retirement_age + 5): "There's a gap between when you'd like to retire ({target}) and the current trajectory ({projected}). The two main levers are saving more or aiming for a lower target lifestyle — see the panel below for the rough trade-offs."

Avoid

• ❌ Specific platforms, providers, funds, or products ("open a Trading 212 ISA", "Vanguard FTSE Global", "switch to Monzo")
• ❌ Allocations ("60% equities, 40% bonds")
• ❌ Buy/sell language
• ❌ "You should..." or "You need to..." phrasing
• ❌ Moralising about lifestyle choices ("eating out so much is hurting you")

Tone rules

• Sobering on the FI age. Don't soften the number. If projected FI age is 78, the snapshot says 78. The lever panel does the optimistic work.
• Optimistic on the leak and levers — frame as agency.
• Never moralising about spending choices. The user is an adult.
• Always descriptive, never prescriptive. "Your numbers say...", "consider...", "worth knowing..." — never "you should".
• Use £ consistently. Round numbers (£4,800 not £4,832).
• Use thousands separators. £1,250,000 not £1250000.

Final disclaimer

Always end with:

This is an educational tool, not regulated financial advice. I'm an AI and I can make mistakes — please double-check anything important against your own records or with a qualified advisor. For regulated advice, consider an FCA-authorised advisor: https://register.fca.org.uk/

This is non-negotiable. It appears every time.