afrexai-personal-finance

# 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 | | Tax optimization | Using all vehicles | Some unused | None used | Score: /16. Below 10 = immediate action needed. --- ## Phase 1: Financial Snapshot ### Net Worth Statement ```yaml net_worth: date: "YYYY-MM-DD" assets: liquid: checking: 0 savings: 0 money_market: 0 investments: retirement_401k: 0 retirement_ira: 0 brokerage: 0 hsa: 0 crypto: 0 property: home_value: 0 vehicles: 0 other: 0 liabilities: mortgage: 0 student_loans: 0 auto_loans: 0 credit_cards: 0 personal_loans: 0 other_debt: 0 net_worth: 0 # assets - liabilities monthly_income_gross: 0 monthly_income_...