Money

Sub-Mode: brief

Procedure

1. Pull latest from owens_future_data.json and lifeos_data.json.
2. Compute net worth, FCF, debt status, e-fund progress.
3. Compare to last period — surface delta and trend.
4. Flag any metric outside tolerance (e-fund pace, spending spike, income change).
5. One-paragraph BLUF, then table.

Output Format

• BLUF paragraph
• Net Worth / FCF / Debt / E-Fund table
• Trend arrows and flags

Sub-Mode: invest

Procedure

1. Pull market_data.json and portfolio holdings.
2. Assess RSU position (LLY shares, catalysts, thesis intact?).
3. Check retirement projections — pension, 401k, Roth IRA.
4. Surface any rebalancing triggers or market events.
5. SWOT the current investment posture.

Output Format

• Portfolio summary table
• RSU thesis check
• Retirement projection snapshot
• SWOT matrix

Sub-Mode: spend

Procedure

1. Pull transaction data and budget categories.
2. Compare actual vs. planned by category.
3. Flag overages > 10% in any category.
4. Calculate fun money remaining.
5. Surface subscription creep or recurring charge changes.

Output Format

• Budget vs. actual table
• Overage flags
• Fun money remaining
• Subscription audit (if changes detected)

Sub-Mode: tax

Procedure

1. Review current tax position — withholding, estimated payments, deductions.
2. Identify optimization opportunities (HSA, 401k max, Roth conversion, charitable).
3. Check military-specific tax benefits (state exemptions, combat zone carryover).
4. Model impact of any proposed changes.

Output Format

• Current tax posture summary
• Optimization opportunities ranked by impact
• Action items with deadlines

Sub-Mode: estate

Procedure

1. Audit beneficiary designations across all accounts (401k, IRA, insurance, TSP).
2. Check will/trust currency — any life changes since last update?
3. Verify SBP election alignment with family plan.
4. Flag gaps in coverage or outdated designations.

Output Format

• Beneficiary audit table (account → designated → correct?)
• Gap analysis
• Action items

Sub-Mode: property

Procedure

1. Pull property data — mortgage balances, rental income, expenses.
2. Calculate cash flow per property.
3. Check maintenance schedule and upcoming costs.
4. Review property tax status (military exemption applied?).
5. Assess equity position and market comps if available.

Output Format

• Property cash flow table
• Maintenance calendar
• Equity snapshot

Shared Data Sources

• ~/Documents/S6_COMMS_TECH/data/owens_future_data.json
• ~/Documents/S6_COMMS_TECH/data/lifeos_data.json
• ~/Documents/S6_COMMS_TECH/data/market_data.json
• ~/Library/Mobile Documents/com~apple~CloudDocs/COP.md (financial section)
• Financial Plan markdown files