Vollständige Finanzanalyse für deutsche Angestellte — erstellt einen 6-Kategorien-Finanzbericht mit RAG-Status und Top-3-Maßnahmen. Aktivieren bei "/finance analyze", "Finanzanalyse", "finanzielle Gesundheitsprüfung", "Analysiere meine Finanzen", "Wie stehe ich finanziell da?", "full financial analysis", "financial health check", or any request for a complete financial picture for a German Angestellter.
Spending analysis and custom budget builder. Analyzes spending patterns using 50/30/20 rule, zero-based budgeting, or envelope method. Categorizes expenses, identifies waste, suggests cuts, and produces a 12-month budget. Use when the user says "/finance budget", "build me a budget", "analyze my spending", "where is my money going", or asks about expense optimization.
Side-by-side comparison of two financial decisions for German clients. Trigger phrases: "soll ich kaufen oder mieten", "rent vs buy Germany", "GKV oder PKV", "ETF vs Fonds", "leasing vs kaufen Auto", "should I lease or buy", "is it worth buying a home in [German city]", "Preis-Miet-Verhältnis", "lohnt sich kaufen", "compare financial options Germany". Collects German-specific inputs (Bundesland, Kaufpreis, JAEG threshold, TER, Leasingrate), runs cost and opportunity-cost modelling with German tax and cost assumptions, and saves a structured recommendation to FINANCE-COMPARE.md.
German debt analysis and repayment strategy (Schuldenanalyse und Tilgungsstrategie). Covers Dispositionskredit elimination, Ratenkredit optimization, Baufinanzierung with Sondertilgungsrecht, SCHUFA management, and Schuldendienstquote analysis. Compares Hochzinsmethode (avalanche) vs Schneeballmethode (snowball). Use when the user says "/finance debt", "Schulden tilgen", "Dispo abbauen", "Tilgungsstrategie", "Umschuldung", "Kredit ablösen", "Anschlussfinanzierung", "SCHUFA verbessern", or asks about any German debt strategy.
Emergency fund analyzer (Notgroschen). Calculates the right Notgroschen size based on job stability, family structure, fixed expenses, dependents, and Angestellte vs. Selbstständige status. Recommends where to keep it (Tagesgeld, Festgeld), how fast to build it, what counts as a true emergency in the German context, and how to replenish after use. Produces FINANCE-EMERGENCY.md.
FIRE (Finanzielle Unabhängigkeit / frühzeitig in Rente) calculator for German Angestellte and Frugalisten. Calculates FIRE-Zahl, years-to-FIRE, GKV costs in early retirement, Rentenversicherung bridge strategy, tax-efficient Entnahmestrategie, and geographic arbitrage options within Germany and Europe. Use when the user says "/finance fire", "finanzielle Unabhängigkeit", "frühzeitig in Rente", "FIRE-Zahl", "Frugalist", "Entnahmeportfolio", "Lean FIRE", "Fat FIRE", "Coast FIRE", "früher Ruhestand", "Rente mit 40/45/50/55", or any early retirement question in a German financial context.
Sparziele-Planer für deutsche Anleger. Triggers: "/finance goals", "Hilf mir für [X] zu sparen", "Plan für Eigenkapital Hauskauf", "Studienfinanzierung für mein Kind", "Notgroschen aufbauen", "Sabbatical planen", "Hochzeit finanzieren", "Sparplan erstellen", "Wie viel muss ich monatlich sparen für [X]", "Zielbasierter Sparplan". Builds concrete savings plans with target amounts in €, monthly contributions, timelines, and appropriate German financial products (Tagesgeld, Festgeld, Depot, Juniorsdepot). Supports multiple simultaneous goals with German prioritization logic. Produces FINANCE-GOALS.md.
Insurance coverage advisor for German clients. Analyzes GKV vs PKV decision, Berufsunfähigkeitsversicherung (BU), Risikolebensversicherung, Haftpflichtversicherung, Rechtsschutzversicherung, and Hausratversicherung. Triggered by: /finance insurance, "Brauche ich PKV?", "BU Versicherung", "Versicherungscheck", "welche Versicherungen brauche ich?"