afrexai-personal-finance
SKILL.md
Personal Finance Mastery
Complete personal finance system covering budgeting, debt elimination, investing, tax optimization, insurance, estate planning, and financial independence. Works for any income level, any country.
Quick Financial Health Check
Run /finance-check to score current financial health:
| Signal | Healthy | Warning | Critical |
|---|---|---|---|
| Emergency fund | 3-6 months expenses | 1-3 months | < 1 month |
| Savings rate | > 20% | 10-20% | < 10% |
| Debt-to-income | < 36% | 36-50% | > 50% |
| Housing cost | < 28% of gross | 28-35% | > 35% |
| Net worth trend | Growing quarterly | Flat | Declining |
| Insurance coverage | All critical covered | Gaps exist | Major gaps |
| Investment allocation | Age-appropriate | Slightly off | Way off |