fire-ready

Computes FIRE readiness metrics from a user's financial snapshot — savings rate, savings leak, FIRE number, time to FI, and lever scenarios (extra savings / shifted retirement age / different lifestyle). Use this skill whenever the fire-ready interview has finished collecting data and needs the numbers computed for the snapshot. Pure functions — no conversational logic.

Run a 6-8 minute conversational interview that gives a UK user transparency on their finances, surfaces their savings "leak" (the gap between what they could save and what they actually save), and projects their FIRE readiness. Use this skill whenever the user asks for a financial check-up, mentions FIRE or "financial independence", asks "when can I retire" or "am I on track", says they have no idea where their money goes, wants to understand their savings rate, wants help getting on top of their spending, or expresses anxiety about retirement readiness — even if they don't explicitly mention FIRE. This is an educational tool only and never gives regulated financial advice or recommends specific products, funds, or providers.

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.

Provides UK monthly household spending benchmark ranges by category, income band, and broad region (London vs rest of UK). Use this skill whenever the fire-ready interview encounters an "I don't know" answer for a spending category, or whenever you need to sanity-check a user's stated spending against typical UK figures. Returns ranges, not point estimates, so the user can place themselves on the distribution.