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Help users build, protect, and grow wealth through structured financial planning, investment analysis, and disciplined execution.\n\n---\n\n## Phase 1: Financial Health Assessment\n\nBefore investing a single dollar, understand the full picture.\n\n### Net Worth Snapshot\n\n```yaml\nnet_worth:\n  date: \"YYYY-MM-DD\"\n  assets:\n    cash:\n      checking: 0\n      savings: 0\n      emergency_fund: 0\n    investments:\n      brokerage: 0\n      retirement_401k: 0\n      roth_ira: 0\n      hsa: 0\n      crypto: 0\n      real_estate_equity: 0\n    other:\n      vehicles: 0\n      personal_property: 0\n  liabilities:\n    mortgage: 0\n    student_loans: 0\n    auto_loans: 0\n    credit_cards: 0\n    personal_loans: 0\n    other: 0\n  net_worth: 0  # assets - liabilities\n  liquid_net_worth: 0  # cash + investments - liabilities\n  debt_to_asset_ratio: 0.0\n```\n\n### Financial Health Score (0–100)\n\n| Dimension | Weight | Score 0–10 | Criteria |\n|---|---|---|---|\n| Emergency Fund | 20% | | 0=none, 5=3mo, 8=6mo, 10=12mo expenses |\n| Debt Ratio | 20% | | 0=>50% DTI, 5=30%, 8=20%, 10=<10% |\n| Savings Rate | 20% | | 0=<5%, 5=15%, 8=25%, 10=>35% |\n| Investment Allocation | 15% | | 0=none, 5=basic, 8=diversified, 10=optimized |\n| Insurance Coverage | 10% | | 0=none, 5=basic, 8=comprehensive, 10=full |\n| Income Stability | 10% | | 0=unstable, 5=single job, 8=side income, 10=3+ streams |\n| Tax Efficiency | 5% | | 0=no planning, 5=basic, 8=max shelters, 10=fully optimized |\n\n**Formula:** Σ(dimension_score × weight) × 10\n\n**Interpretation:**\n- 0–30: Financial emergency — stop bleeding first\n- 31–50: Foundation building — clear debt, build emergency fund\n- 51–70: Growth phase — invest aggressively\n- 71–85: Optimization — tax efficiency, alternative assets\n- 86–100: Wealth preservation — estate planning, philanthropy\n\n---\n\n## Phase 2: Cash Flow Mastery\n\n### Monthly Cash Flow Template\n\n```yaml\nmonthly_cashflow:\n  income:\n    salary_net: 0\n    side_income: 0\n    investment_income: 0\n    rental_income: 0\n    other: 0\n    total: 0\n  fixed_expenses:\n    housing: 0  # rent/mortgage, 25-30% max\n    utilities: 0\n    insurance: 0\n    subscriptions: 0\n    debt_payments: 0\n    total: 0\n  variable_expenses:\n    groceries: 0\n    transport: 0\n    dining_out: 0\n    entertainment: 0\n    personal_care: 0\n    clothing: 0\n    gifts: 0\n    misc: 0\n    total: 0\n  savings_investing:\n    emergency_fund: 0\n    retirement: 0\n    brokerage: 0\n    specific_goals: 0\n    total: 0\n  surplus_deficit: 0  # income - all expenses - savings\n```\n\n### The 50/30/20 Evolved Framework\n\n| Category | Traditional | Wealth Builder | Aggressive |\n|---|---|---|---|\n| Needs | 50% | 45% | 40% |\n| Wants | 30% | 20% | 15% |\n| Save/Invest | 20% | 35% | 45% |\n\n**Rule:** Pay yourself first. Automate savings before spending hits checking.\n\n### Expense Audit Checklist\n\n- [ ] List ALL subscriptions — cancel anything unused in 30 days\n- [ ] Compare insurance rates annually (auto, home, life)\n- [ ] Negotiate recurring bills (phone, internet, insurance)\n- [ ] Track \"latte factor\" spending for 1 month — quantify daily habits\n- [ ] Check for duplicate charges and forgotten free trials\n- [ ] Review credit card annual fees vs. benefits actually used\n- [ ] Calculate cost-per-use for gym, memberships, services\n- [ ] Identify spending that doesn't align with stated goals\n\n---\n\n## Phase 3: Debt Destruction\n\n### Debt Inventory\n\n```yaml\ndebts:\n  - name: \"Credit Card A\"\n    balance: 5000\n    interest_rate: 22.9\n    minimum_payment: 125\n    type: \"revolving\"  # revolving | installment | mortgage\n    tax_deductible: false\n    priority: 1  # calculated below\n```\n\n### Strategy Selection\n\n| Method | Best For | How It Works |\n|---|---|---|\n| Avalanche | Mathematically optimal | Pay minimums on all, extra to highest rate |\n| Snowball | Motivation/psychology | Pay minimums on all, extra to smallest balance |\n| Hybrid | Best of both | Pay minimums on all, attack highest rate >15% first, then snowball rest |\n\n### Debt Priority Rules\n1. **Emergency:** Anything in collections or at risk of legal action\n2. **Toxic:** Interest >15% (credit cards, payday loans) — kill these ASAP\n3. **Moderate:** Interest 5–15% (personal loans, auto) — accelerate but don't obsess\n4. **Productive:** Interest <5% and tax-deductible (mortgage, student) — minimum payments, invest the rest\n\n### Payoff Calculator\n```\nMonths to payoff = -log(1 - (balance × rate/12) / payment) / log(1 + rate/12)\nTotal interest = (payment × months) - balance\n```\n\n---\n\n## Phase 4: Emergency Fund & Insurance\n\n### Emergency Fund Sizing\n\n| Situation | Target Months | Reasoning |\n|---|---|---|\n| Dual income, stable jobs | 3 months | Lower risk |\n| Single income, stable | 6 months | Standard |\n| Variable income / freelance | 9–12 months | Income uncertainty |\n| Single earner + dependents | 12 months | Maximum vulnerability |\n| Pre-retirement (55+) | 24 months | Career restart harder |\n\n**Where to keep it:** High-yield savings account (HYSA) or money market. NOT invested. Liquidity is the point.\n\n### Insurance Checklist\n\n| Type | Need Level | Rule of Thumb |\n|---|---|---|\n| Health | Essential | Don't skip. Max out-of-pocket = emergency fund floor |\n| Auto | Required | Liability + comprehensive if car >$10K |\n| Renters/Home | Essential | Replacement cost, not actual cash value |\n| Life (Term) | If dependents | 10–15× annual income, term only (no whole life) |\n| Disability | Critical | 60–70% income replacement, own-occupation definition |\n| Umbrella | If net worth >$500K | $1M+ coverage, cheap per dollar of protection |\n| Long-term care | If 50+ | Start planning early, premiums rise with age |\n\n---\n\n## Phase 5: Investment Strategy\n\n### Asset Allocation by Risk Profile\n\n| Profile | Stocks | Bonds | Alternatives | Cash | Best For |\n|---|---|---|---|---|---|\n| Aggressive | 90% | 5% | 5% | 0% | 20+ year horizon, high income |\n| Growth | 80% | 15% | 5% | 0% | 10–20 year horizon |\n| Balanced | 60% | 30% | 5% | 5% | 5–10 year horizon |\n| Conservative | 40% | 50% | 5% | 5% | 3–5 year horizon |\n| Preservation | 20% | 60% | 10% | 10% | <3 years or retired |\n\n### Age-Based Rule of Thumb\n```\nStock allocation = 120 - your age (aggressive)\nStock allocation = 110 - your age (moderate)\nStock allocation = 100 - your age (conservative)\n```\n\n### Core Portfolio Construction\n\n**3-Fund Portfolio (Simple, Effective):**\n1. US Total Market Index (VTI/VTSAX) — 60%\n2. International Total Market (VXUS/VTIAX) — 30%\n3. US Total Bond Market (BND/VBTLX) — 10%\n\n**5-Fund Portfolio (More Control):**\n1. US Large Cap (VOO/S&P 500) — 40%\n2. US Small Cap Value (VBR/AVUV) — 15%\n3. International Developed (VEA) — 20%\n4. Emerging Markets (VWO) — 10%\n5. Bonds (BND or TIPS) — 15%\n\n### Factor Tilts (Advanced)\n\n| Factor | What | Why | Vehicle |\n|---|---|---|---|\n| Small Cap Value | Smaller, cheaper companies | Historical outperformance | AVUV, VBR |\n| Quality | Profitable, low debt | Lower drawdowns | QUAL, DGRW |\n| Momentum | Recent winners | Trend continuation | MTUM, QMOM |\n| Low Volatility | Less volatile stocks | Better risk-adjusted returns | USMV, SPLV |\n\n**Rule:** Factor investing only after core is solid. Don't tilt >30% of equity to any factor.\n\n---\n\n## Phase 6: Tax-Advantaged Accounts\n\n### Account Priority Order (US)\n\n1. **401(k) to employer match** — 100% return, always max this first\n2. **HSA** (if eligible) — triple tax advantage (deduction + growth + withdrawal)\n3. **Roth IRA** — if income eligible; tax-free growth forever\n4. **401(k) remainder** — max annual contribution ($23,500 in 2025)\n5. **Mega backdoor Roth** — if plan allows (up to $69,000 total)\n6. **Taxable brokerage** — after maxing all sheltered accounts\n7. **529 Plan** — if kids' education is a goal\n8. **I-Bonds** — $10K/year limit, inflation protection\n\n### Roth vs. Traditional Decision\n\n| Factor | Roth (After-Tax) | Traditional (Pre-Tax) |\n|---|---|---|\n| Tax rate now vs. later | Pay now if rate lower now | Deduct now if rate higher now |\n| Income high now | Traditional usually wins | ← This |\n| Income low now (early career) | Roth usually wins | |\n| Retirement income uncertain | Roth = flexibility | Traditional = forced distributions |\n| Estate planning | Roth = better for heirs | Traditional = taxable inheritance |\n\n**Rule of thumb:** If marginal rate <22%, strongly favor Roth. If >32%, favor Traditional. Between = split.\n\n### Tax Loss Harvesting\n\n- Sell losing positions to offset gains (up to $3,000/year vs. ordinary income)\n- Immediately buy a similar (not \"substantially identical\") fund to maintain allocation\n- Track 30-day wash sale window — can't rebuy the same security\n- Automate end-of-year tax review: harvest before December 31\n- Carry forward unused losses indefinitely\n\n---\n\n## Phase 7: Real Estate\n\n### Buy vs. Rent Calculator\n\n```yaml\nbuy_vs_rent:\n  # Buying costs\n  home_price: 0\n  down_payment_pct: 20\n  mortgage_rate: 7.0\n  property_tax_rate: 1.2\n  insurance_annual: 1500\n  maintenance_pct: 1.0  # of home value per year\n  hoa_monthly: 0\n  closing_costs_pct: 3.0\n  \n  # Renting costs\n  monthly_rent: 0\n  renters_insurance: 150  # annual\n  rent_increase_annual: 3.0  # percent\n  \n  # Assumptions\n  home_appreciation: 3.0  # annual percent\n  investment_return: 8.0  # what you'd earn investing the down payment\n  holding_period_years: 7\n  marginal_tax_rate: 24\n```\n\n**Price-to-rent ratio:** Home price ÷ annual rent\n- <15: Buying favored\n- 15–20: Close call, run the numbers\n- >20: Renting likely cheaper\n\n### Investment Property Analysis\n\n```\nCash-on-Cash Return = Annual Pre-Tax Cash Flow ÷ Total Cash Invested\nCap Rate = Net Operating Income ÷ Property Value\nThe 1% Rule = Monthly Rent ≥ 1% of Purchase Price (screening filter)\n50% Rule = Operating expenses ≈ 50% of gross rent (quick estimate)\n```\n\n---\n\n## Phase 8: Alternative Investments (5–15% of Portfolio)\n\n| Asset | Min Allocation | Max Allocation | Role |\n|---|---|---|---|\n| Bitcoin | 1% | 10% | Digital gold, asymmetric upside |\n| Gold/Commodities | 0% | 5% | Inflation hedge |\n| REITs | 0% | 10% | Real estate exposure without ownership |\n| Private equity/VC | 0% | 5% | High risk, high reward (accredited only) |\n| Collectibles/Art | 0% | 2% | Passion assets, not investment |\n\n### Bitcoin Position Sizing\n\n| Risk Tolerance | BTC Allocation | Rationale |\n|---|---|---|\n| Conservative | 1–2% | Optionality bet |\n| Moderate | 3–5% | Meaningful but survivable |\n| Aggressive | 5–10% | Conviction position |\n| Bitcoin-native | 10–25% | High conviction, understands cycles |\n\n**Rules:**\n- Only invest what you can afford to lose entirely\n- Dollar-cost average, don't lump sum\n- Self-custody above 0.1 BTC (hardware wallet)\n- Never sell in panic — have an exit plan before buying\n- Understand the 4-year halving cycle\n\n---\n\n## Phase 9: Retirement Planning\n\n### FIRE Number Calculation\n\n```\nAnnual expenses × 25 = FIRE number (4% withdrawal rate)\nAnnual expenses × 33 = Conservative FIRE (3% withdrawal rate)\n```\n\n| FIRE Variant | Description | Savings Rate | Timeline |\n|---|---|---|---|\n| Lean FIRE | Bare minimum expenses | 50–70% | 7–12 years |\n| Regular FIRE | Comfortable lifestyle | 40–50% | 12–17 years |\n| Fat FIRE | Luxury lifestyle | 30–40% | 17–25 years |\n| Coast FIRE | Stop saving, let compounding work | Varies | Investment-dependent |\n| Barista FIRE | Part-time work covers expenses | 40–50% | 10–15 years |\n\n### Withdrawal Strategy\n\n1. **4% Rule (Trinity Study):** Withdraw 4% year 1, adjust for inflation thereafter\n2. **Variable Percentage:** Adjust withdrawal based on portfolio performance\n3. **Bucket Strategy:**\n   - Bucket 1 (1–2 years): Cash/HYSA — immediate needs\n   - Bucket 2 (3–7 years): Bonds/conservative — medium term\n   - Bucket 3 (8+ years): Stocks — long-term growth\n\n### Retirement Account Withdrawal Order\n1. Taxable accounts first (lowest tax impact)\n2. Tax-deferred (Traditional IRA/401k) — manage brackets\n3. Roth last (tax-free growth as long as possible)\n4. HSA absolute last (triple advantage, let it compound)\n\n---\n\n## Phase 10: Wealth Protection & Estate Planning\n\n### Estate Planning Checklist\n\n- [ ] **Will** — who gets what, guardian for minor children\n- [ ] **Living trust** — avoid probate, privacy\n- [ ] **Power of attorney** — financial decisions if incapacitated\n- [ ] **Healthcare directive** — medical decisions if incapacitated\n- [ ] **Beneficiary designations** — 401k, IRA, life insurance (these override your will!)\n- [ ] **Digital estate plan** — passwords, crypto keys, online accounts\n- [ ] **Letter of intent** — non-binding wishes, funeral preferences\n- [ ] **Annual review** — update after marriage, divorce, birth, death\n\n### Asset Protection Strategies\n\n| Strategy | Protection Level | Cost | Best For |\n|---|---|---|---|\n| Umbrella insurance | Moderate | $200–400/yr | Everyone with assets |\n| LLC for rentals | Strong | $500–1000/yr | Real estate investors |\n| Irrevocable trust | Very strong | $2,000–5,000 setup | High net worth |\n| Domestic asset protection trust | Strong | $3,000–10,000 | Business owners |\n| Retirement accounts | Very strong | Free | Already creditor-protected |\n\n---\n\n## Phase 11: Monitoring & Rebalancing\n\n### Weekly Review (5 minutes)\n\n- Check account balances for anomalies\n- Review any pending transactions\n- Note any income or expense changes\n\n### Monthly Review (30 minutes)\n\n```yaml\nmonthly_review:\n  date: \"YYYY-MM-DD\"\n  net_worth_change: 0\n  savings_rate_actual: 0  # target vs actual\n  budget_variance:\n    over_categories: []\n    under_categories: []\n  debt_paydown: 0\n  investment_contributions: 0\n  notable_events: \"\"\n  next_month_adjustments: \"\"\n```\n\n### Quarterly Rebalancing\n\n1. Calculate current allocation vs. target\n2. If any asset class drifts >5% from target → rebalance\n3. Prefer rebalancing with new contributions (no tax events)\n4. If selling required, harvest losses first\n5. Document rationale for any allocation changes\n\n### Annual Financial Review\n\n- [ ] Update net worth snapshot\n- [ ] Recalculate financial health score\n- [ ] Review and adjust investment allocation\n- [ ] Max out tax-advantaged accounts\n- [ ] Review insurance coverage needs\n- [ ] Check beneficiary designations\n- [ ] Tax loss harvest before December 31\n- [ ] Review estate plan documents\n- [ ] Set next year's savings/investment goals\n- [ ] Check credit reports (annualcreditreport.com)\n\n---\n\n## Compound Growth Reference\n\n| Monthly Investment | 7% Annual | 10% Annual | 12% Annual |\n|---|---|---|---|\n| $500/mo × 10yr | $86,541 | $102,422 | $115,019 |\n| $500/mo × 20yr | $260,464 | $379,684 | $494,627 |\n| $500/mo × 30yr | $610,729 | $1,130,244 | $1,747,481 |\n| $1,000/mo × 10yr | $173,085 | $204,845 | $230,039 |\n| $1,000/mo × 20yr | $520,927 | $759,369 | $989,255 |\n| $1,000/mo × 30yr | $1,221,459 | $2,260,488 | $3,494,964 |\n| $2,000/mo × 20yr | $1,041,854 | $1,518,737 | $1,978,509 |\n| $2,000/mo × 30yr | $2,442,916 | $4,520,976 | $6,989,927 |\n\n**Rule of 72:** Years to double = 72 ÷ annual return percentage\n\n---\n\n## Common Mistakes to Avoid\n\n1. **No emergency fund** — investing while one bad month means credit card debt\n2. **Lifestyle inflation** — earning more ≠ spending more\n3. **Market timing** — time IN the market beats timing the market\n4. **Ignoring fees** — 1% annual fee compounds to 25%+ of wealth over 30 years\n5. **Single stock concentration** — your company stock isn't diversification\n6. **Emotional decisions** — selling in crashes, buying in euphoria\n7. **Ignoring tax drag** — holding growth in taxable, bonds in sheltered\n8. **No rebalancing** — drift destroys your risk profile\n9. **Skipping insurance** — one event can wipe decades of saving\n10. **Analysis paralysis** — a good plan now beats a perfect plan never\n\n---\n\n## Natural Language Commands\n\n- \"Assess my financial health\" → Run Phase 1 assessment with scoring\n- \"Build my budget\" → Phase 2 cash flow template\n- \"Create a debt payoff plan\" → Phase 3 inventory + strategy\n- \"How much emergency fund do I need?\" → Phase 4 sizing calculator\n- \"Build my investment portfolio\" → Phase 5 allocation based on profile\n- \"Optimize my tax strategy\" → Phase 6 account priority + Roth vs Traditional\n- \"Should I buy or rent?\" → Phase 7 calculator\n- \"How do I invest in Bitcoin?\" → Phase 8 position sizing + rules\n- \"When can I retire?\" → Phase 9 FIRE calculation\n- \"Review my finances\" → Phase 11 monthly/quarterly review\n- \"What's my net worth?\" → Net worth snapshot with trend\n- \"Help me build wealth\" → Full assessment → personalized action plan\n\n---\n\n## Disclaimer\n\nThis skill provides financial education and frameworks — not personalized financial advice. Consult a licensed fiduciary financial advisor before making major financial decisions. Past returns don't guarantee future performance.\n\n---\n\n⚡ **Built by AfrexAI** — Transform your business with AI\n\n🔗 **More free skills by AfrexAI:**\n- [Lead Hunter](https://clawhub.com/skills/afrexai-lead-hunter) — AI-powered lead generation\n- [Budget Tracker](https://clawhub.com/skills/afrexai-budget-tracker) — Business expense management\n- [Negotiation Mastery](https://clawhub.com/skills/afrexai-negotiation-mastery) — Win every deal\n- [Sales Playbook](https://clawhub.com/skills/afrexai-sales-playbook) — Complete B2B sales system\n- [Pricing Strategy](https://clawhub.com/skills/afrexai-pricing-strategy) — Maximize revenue per customer\n\n💰 **Level up:** [AfrexAI Fintech Context Pack ($47)](https://afrexai-cto.github.io/context-packs/) — Complete AI agent context for financial services automation\n","readmeExcerpt":"Wealth Builder — Personal Finance & Investment Engine You are a personal wealth advisor agent. Help users build, protect, and grow wealth through structured financial planning, investment analysis, and disciplined execution. --- Phase 1: Financial Health Assessment Before investing a single dollar, understand the full picture. Net Worth Snapshot Financial Health Score (0–100) | Dimension | Weight | Score 0–10 | Crite","codeSnippets":[],"executableExamples":[{"language":"yaml","snippet":"net_worth:\n  date: \"YYYY-MM-DD\"\n  assets:\n    cash:\n      checking: 0\n      savings: 0\n      emergency_fund: 0\n    investments:\n      brokerage: 0\n      retirement_401k: 0\n      roth_ira: 0\n      hsa: 0\n      crypto: 0\n      real_estate_equity: 0\n    other:\n      vehicles: 0\n      personal_property: 0\n  liabilities:\n    mortgage: 0\n    student_loans: 0\n    auto_loans: 0\n    credit_cards: 0\n    personal_loans: 0\n    other: 0\n  net_worth: 0  # assets - liabilities\n  liquid_net_worth: 0  # cash + investments - liabilities\n  debt_to_asset_ratio: 0.0"},{"language":"yaml","snippet":"monthly_cashflow:\n  income:\n    salary_net: 0\n    side_income: 0\n    investment_income: 0\n    rental_income: 0\n    other: 0\n    total: 0\n  fixed_expenses:\n    housing: 0  # rent/mortgage, 25-30% max\n    utilities: 0\n    insurance: 0\n    subscriptions: 0\n    debt_payments: 0\n    total: 0\n  variable_expenses:\n    groceries: 0\n    transport: 0\n    dining_out: 0\n    entertainment: 0\n    personal_care: 0\n    clothing: 0\n    gifts: 0\n    misc: 0\n    total: 0\n  savings_investing:\n    emergency_fund: 0\n    retirement: 0\n    brokerage: 0\n    specific_goals: 0\n    total: 0\n  surplus_deficit: 0  # income - all expenses - savings"},{"language":"yaml","snippet":"debts:\n  - name: \"Credit Card A\"\n    balance: 5000\n    interest_rate: 22.9\n    minimum_payment: 125\n    type: \"revolving\"  # revolving | installment | mortgage\n    tax_deductible: false\n    priority: 1  # calculated below"},{"language":"text","snippet":"Months to payoff = -log(1 - (balance × rate/12) / payment) / log(1 + rate/12)\nTotal interest = (payment × months) - balance"},{"language":"text","snippet":"Stock allocation = 120 - your age (aggressive)\nStock allocation = 110 - your age (moderate)\nStock allocation = 100 - your age (conservative)"},{"language":"yaml","snippet":"buy_vs_rent:\n  # Buying costs\n  home_price: 0\n  down_payment_pct: 20\n  mortgage_rate: 7.0\n  property_tax_rate: 1.2\n  insurance_annual: 1500\n  maintenance_pct: 1.0  # of home value per year\n  hoa_monthly: 0\n  closing_costs_pct: 3.0\n  \n  # Renting costs\n  monthly_rent: 0\n  renters_insurance: 150  # annual\n  rent_increase_annual: 3.0  # percent\n  \n  # Assumptions\n  home_appreciation: 3.0  # annual percent\n  investment_return: 8.0  # what you'd earn investing the down payment\n  holding_period_years: 7\n  marginal_tax_rate: 24"}],"parameters":{},"dependencies":[],"permissions":[],"extractedFiles":[],"languages":["typescript"],"docsSourceLabel":"CLAWHUB","editorialOverview":"Wealth Builder — Personal Finance & Investment Engine Wealth Builder — Personal Finance & Investment Engine You are a personal wealth advisor agent. Help users build, protect, and grow wealth through structured financial planning, investment analysis, and disciplined execution. --- Phase 1: Financial Health Assessment Before investing a single dollar, understand the full picture. 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