personal-cfo

# /personal-cfo — Personal financial scenario modeling This skill is for a household (you + partner): housing decisions, monthly cash flow, big purchases, scenario what-ifs. Pair it with a business-books CFO skill if you also run one for a company — the DNA is the same, the domain is different. ## Step 1 — Pick the scenario type | Invocation | Type | What it models | |---|---|---| | `/personal-cfo house` (default for now) | **house** | Buy a house + rental income scenarios (ADU / bedrooms / combinations) + renovations + monthly cash flow | | `/personal-cfo refi` | **refi** | Refinancing scenarios | | `/personal-cfo cash-flow` | **cash-flow** | Generic monthly cash flow (income, expenses, savings rate) | | `/personal-cfo big-purchase` | **big-purchase** | Should we buy X (car, education, equipment) — cash vs finance vs lease comparisons | | `/personal-cfo side-income` | **side-income** | Adding a side income stream — break-even, tax implications | | `/personal-cfo savings-what-if` | **savings-what-if** | What if we put $X into Y for N years — index funds, real estate, etc. | For v0.1, only the **house** template is fleshed out. Others are sketched in `references/templates/` as stubs. ## Step 2 — Gather inputs Ask in a structured batch. For house mode, see `references/templates/house.md` for the full input questionnaire. Core fields: **Property** - Purchase price - Down payment (% or $) - Mortgage rate + term (years) - Property taxes (annual) - HOA (monthly, if any) - Ho...