advice

/smartspender:advice

Trigger

• /smartspender:advice
• "Hvad bør jeg fokusere på?"
• "Giv mig finansiel rådgivning"
• "Hvor er jeg i min privatøkonomi?"
• "What should I prioritize?"

Arguments

None.

Prerequisites

• Transactions synced and analyzed (categorized.csv has data)
• At least 1 month of transaction history for meaningful advice

Workflow

1. Load user memory skill and read stored learnings:

   • Load skills/user-memory/SKILL.md for learning detection
   • Read learnings/preferences.md for previously stored user information
   • Note which questions can be skipped (emergency_fund, pension, debt, employer, etc.)

2. Read data from CSV files:

   • categorized.csv: Spending by category
   • subscriptions.csv: Active subscriptions
   • monthly-summary.csv: Monthly totals and trends
   • action-log.csv: Previous actions taken
   • payslips.csv: Payslip data (if exists) for accurate income and pension info

1b. If payslips.csv exists and has data:

• Load most recent payslip for the current/previous month
• Extract: gross_salary, net_salary, pension_total, pension_pct
• Set has_payslip_data = true
• Use gross_salary for income-based calculations instead of transaction-derived income

1. Calculate key metrics:

   • Monthly income:
     • If has_payslip_data: Use gross_salary from payslip
     • Otherwise: Sum of Indkomst category (net deposits)
   • Monthly expenses: Sum of all spending categories
   • Net cash flow: Income minus expenses
   • Savings rate:
     • If has_payslip_data: (gross_salary - expenses) / gross_salary (true savings rate)
     • Otherwise: Net cash flow / Income (approximate)
   • Subscription burden: Total subscriptions / Income (as percentage)
   • Essential vs discretionary split: (Bolig + Dagligvarer + Transport) vs rest

2. Assess position in the 5-step framework using skills/danish-finance-guide/SKILL.md:

   Step 0: Budget — Always ✅ (user is tracking spending via SmartSpender)