fsdmoney

Interview-driven workflow that consolidates loan statements (mortgage, HELOC, auto, student, credit card) plus manual entries (401(k) loans, family loans, BNPL, medical debt, tax-debt payment plans) into a single household debt ledger and produces structured analysis — total debt by type, weighted-average cost of debt, variable-rate exposure, payoff timeline at current pace, anomaly surface. Strictly descriptive — describes what you owe and at what rate, never recommends refinancing, payoff order, consolidation, or strategy. Use whenever the user wants to understand their debt picture, prepare a balance sheet, or audit their debt stack. Trigger on phrases like "analyze my debts", "what do I owe", "debt breakdown", "consolidate my loan statements", "debt audit", "liabilities", "my liability picture", "weighted average interest rate", "time to payoff", "mortgage statements", "student loan summary", or when the user drops a folder of loan statements and wants to make sense of them. Also trigger on refresh asks —

Interview-driven workflow that consolidates investment statements (PDFs, CSVs, spreadsheets) into a single position ledger and produces structured analysis — through-the-fund allocation, concentration map, tax-location audit, fee breakdown, income/yield map, anomaly surface. Strictly descriptive — describes the current state of a portfolio, never recommends trades or target allocations. Use whenever the user wants to understand what they own, where it sits, how it's distributed, and how concentrated they are. Trigger on phrases like "analyze my investments", "what do I own", "portfolio breakdown", "asset allocation", "consolidate my brokerage statements", "where are my investments", "investment audit", "portfolio concentration", or when the user drops a folder of brokerage / 401(k) / pension statements and wants to make sense of them. Also trigger on refresh asks — the skill is built to re-run quarterly against a stable config and surface what changed.

Interview-driven workflow for capturing and analyzing W-2 income. User either drops one or more W-2 PDFs or walks through the boxes interactively, and gets back a short descriptive breakdown — gross, tax stack (federal, state, FICA), pre-tax deductions, take-home — plus internal consistency checks on the W-2. Strictly descriptive — describes what the W-2 says, never recommends withholding changes, contribution rates, or comp moves. Use whenever the user wants to understand their W-2 income at a glance. Trigger on phrases like "what do I earn", "analyze my W-2", "income breakdown", "take-home pay", "effective tax rate", "income analysis", or when the user drops a W-2 PDF. Future versions will add 1099, K-1, investment income, rental, and retirement income — currently W-2 only.

Interview-driven workflow for turning a pile of raw credit-card and bank exports into a single consolidated, categorized, person-attributed expense ledger — and then analyzing it. Use this whenever the user wants to understand their household spending, build a personal budget, prepare for a financial review, or audit categories from a previous import. Trigger on phrases like "where is my money going", "consolidate my expenses", "categorize my transactions", "build a budget", "spending breakdown", "lifestyle expenses", "TTM spend", "split spending by person", or whenever the user drops a folder of card/checking CSVs and wants to make sense of them. Also trigger when the user asks to revise an existing expense classification ("move X to category Y", "drop work-trip charges from lifestyle", "split this row into kids vs travel") — the skill's iterative cleanup loop is built for exactly that.