afrexai-personal-finance

这段内容是审核时保存的快照。外部来源才是完整且最新的版本。

---
name: afrexai-personal-finance
description: Complete personal finance system — budgeting, debt payoff, investing, tax optimization, net worth tracking, and financial independence planning. Use when managing money, building wealth, paying off debt, planning retirement, or optimizing taxes. Zero dependencies.
---

# 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_net: 0
  monthly_expenses: 0
  savings_rate: 0  # (income_net - expenses) / income_net
  debt_to_income: 0  # total_debt_payments / gross_income
```

### Income Inventory

Document ALL income sources:

| Source | Type | Monthly Amount | Stability | Growth Potential |
|--------|------|---------------|-----------|-----------------|
| Primary job | W-2/salary | | High | Moderate |
| Side business | 1099/self-emp | | Variable | High |
| Investments | Dividends/interest | | Moderate | Moderate |
| Rental income | Passive | | Moderate | Moderate |
| Other | | | | |

### Monthly Cash Flow Map

```
INCOME (net take-home)
├── Fixed Expenses (needs) — target: ≤50%
│   ├── Housing (rent/mortgage + insurance + tax)
│   ├── Utilities (electric, water, gas, internet, phone)
│   ├── Transportation (car payment, insurance, fuel, transit)
│   ├── Insurance (health, life, disability)
│   ├── Minimum debt payments
│   └── Groceries (baseline)
├── Financial Goals (savings/investing) — target: ≥20%
│   ├── Emergency fund
│   ├── Retirement contributions
│   ├── Investment contributions
│   ├── Debt extra payments
│   └── Specific savings goals
└── Lifestyle (wants) — target: ≤30%
    ├── Dining out
    ├── Entertainment/subscriptions
    ├── Shopping/clothing
    ├── Travel
    ├── Hobbies
    └── Personal care
```

This is the **50/30/20 framework** — adjust ratios to your situation but track against these benchmarks.

---

## Phase 2: Emergency Fund

### Priority #1 — Before Investing

| Stage | Target | Timeline | Where to Keep |
|-------|--------|----------|---------------|
| Starter | $1,000 (or 1 month) | 1-3 months | High-yield savings |
| Basic | 3 months expenses | 3-6 months | High-yield savings |
| Full | 6 months expenses | 6-12 months | HYSA + money market |
| Enhanced | 12 months expenses | Optional | HYSA + I-bonds + money market |

### When to Use Emergency Fund

**YES — True emergencies:**
- Job loss
- Medical emergency
- Essential home/car repair
- Urgent family situation

**NO — Not emergencies:**
- Vacations
- Sales/deals
- Predictable expenses (insurance premiums, taxes)
- Lifestyle upgrades

### Replenishment Rules

- After any withdrawal, rep