Quick financial health check showing balances, net worth, current month spending vs last month, and top spending categories. Use when the user asks for a financial overview, snapshot, or "how am I doing?"
Run a quick financial health check by calling these MCP tools:
search_learnings (no args) to see the memory index. If budget targets or spending patterns exist, call get_learning to load the relevant ones.get_balances to get current account balances and net worthget_spending_summary with start_date set to the first day of the current month and end_date set to todayget_monthly_comparison with months set to 3After presenting results, if the data contradicts or extends existing learnings, call save_learning with the existing learning's ID to update it. Only save new learnings for patterns that are missing from memory and not derivable from a single tool call.
Always call get_accounts first to know what accounts are connected.
LOAN_PAYMENTS (always count as spending): All loan payments are real expenses: mortgage, credit card payments, auto loans, student loans, BNPL, personal loans. Never exclude them. When presenting spending breakdowns, show LOAN_PAYMENTS broken into subcategories using :
categoryDetailedNote: credit card payments show up on both sides (debit from checking, credit on the card). If both accounts are connected, the payment side (negative amount on the credit card) is just the ledger entry, the positive amount from checking is the real outflow. Present the outflow (positive amount) as the spending.
TRANSFER_IN / TRANSFER_OUT (conditional):
Present the results as a concise briefing:
Keep the output compact. Use a table for the category breakdown. Do not show raw JSON.