Spending Intelligence & Budget Forensics for the Owens household. Ingests Rocket Money transaction exports and WealthBuilder data to reveal where money actually goes. Tracks subscription creep, category drift, and spending that doesn't align with values. Triggers on: "Where's my money going", "Budget check", "Spending review", "Transaction analysis", "Category breakdown", "Subscription audit", "Spending forensics", "Budget forensics", "Monthly burn", "What did we spend on", "Spending trends", "Are we on budget". Standing Order #1: report the real number. If the spending is ugly, say so.
Mission: Know where every dollar goes. Financial-intelligence manages the macro — net worth, investments, RPED projections. This skill manages the micro — the $15K/month of take-home that either builds wealth or evaporates.
The Owens household has $15,682/month in take-home across 4 income streams. That's a formidable cash flow. But cash flow without visibility is just a river — it flows somewhere, but you don't know where until it's gone.
The financial plan estimates $7,014/month in free cash flow after expenses. That's the number that funds everything — emergency fund, debt payoff, investment acceleration. If actual spending exceeds estimates, the entire financial plan degrades silently.
This skill is the early warning system for lifestyle creep.
Locate transaction data:
~/Downloads/*transactions*.csv (find most recent)http://localhost:4000/api/accounts/demo-user)~/Library/Mobile Documents/com~apple~CloudDocs/Family/Financial-Plan/Owens_Family_Financial_Plan.mdIngest and categorize:
Deliver Spending Intelligence Brief:
━━ SPENDING INTELLIGENCE — [PERIOD] ━━
TOTAL SPEND: $XX,XXX
vs Budget: $XX,XXX [OVER/UNDER by $X,XXX]
vs Prior Month: [+/-X%]
TOP CATEGORIES:
1. Housing: $X,XXX (XX%)
2. Food: $X,XXX (XX%) [budget: $X,XXX]
3. Transport: $X,XXX (XX%)
4. Subscriptions:$X,XXX (XX%)
5. [etc]
NOTABLE TRANSACTIONS:
- [Large or unusual transactions]
SUBSCRIPTION AUDIT:
Active subscriptions: X totaling $XXX/month
[List each with amount]
Recommendation: [any to cut?]
SPENDING ALIGNMENT:
[Does spending match stated values?
Family? Health? Wealth building?
Or is money going to things that don't matter?]
FREE CASH FLOW (Actual):
Income: $15,682
Spending: -$X,XXX
─────────
Actual FCF: $X,XXX (plan: $7,014)
Gap: [+/-$X,XXX]
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
| Category | Includes | Budget Target |
|---|---|---|
| Housing | Mortgage, insurance, property tax, HOA, maintenance | $2,200 |
| Utilities | Electric, gas, water, internet, phone | $400 |
| Food | Groceries, dining out, coffee, meal delivery | $800 |
| Transport | Gas, insurance, maintenance, registration | $500 |
| Childcare | Daycare, activities, school supplies | $1,200 |
| Health | Insurance premiums, copays, supplements, gym | $300 |
| Subscriptions | Streaming, software, memberships | $200 |
| Debt Service | CC payments, student loan, auto loan | $1,500 |
| Insurance | Life, umbrella, USAA auto/home | $300 |
| Personal | Clothing, haircuts, gifts, misc | $200 |
| Savings/Invest | 401k, HSA, brokerage, emergency fund | Maximize |
Budget targets from Financial Plan. Actuals should be compared monthly.
This skill feeds financial-intelligence:
When spending analysis reveals the plan is off, flag it:
CROSS-DOMAIN FLAG → S4 Financial: Actual monthly spending exceeds
budget by $X,XXX. FCF degraded from $7,014 to $X,XXX. Financial
plan assumptions need revision.
| Source | Ideal Cadence | Stale After |
|---|---|---|
| Rocket Money CSV | Monthly export | 45 days |
| WealthBuilder transactions | Auto-sync when Plaid live | 7 days |
| Budget targets | Quarterly review | 6 months |
"You can't manage what you don't measure." Every household says they want to build wealth. The ones who actually do it know where their money goes — not approximately, not "we're pretty good," but precisely. This skill turns transaction data into spending truth.
The uncomfortable version of this analysis is the only useful version.