What problem does it solve? Turning financial principles into an actionable personal plan is hard: generic tips do not tell you what to do first, how much to save in reais, or when to revisit the plan. This Skill converts a consolidated methodology (13 analyses covering 20 wealth-building books) into a documented, numbered, personalized financial plan that evolves over time. ## Core Features & Use Cases - Staged plan construction: Diagnoses your situation (income type, expenses, debts with interest rates, employment status, existing investments) and sequences the correct steps — budget, expensive debt payoff, emergency fund, investing, income growth, review — never prescribing investing while expensive debt is active. - Real numbers in R$: Calculates your actual emergency fund target (12x–20x monthly cost depending on income stability), budget percentages, and a debt table ordered by interest rate, instead of leaving abstract formulas. - Ongoing tracking: In follow-up conversations, updates the existing plan with a diff of what changed rather than restarting from scratch, always closing with the concrete action for the week. - Use Case: A freelancer with variable income and credit card debt asks for help organizing finances. The Skill diagnoses the phase, orders debt payoff before investing, sizes the emergency reserve for variable income, and delivers a written step-by-step plan with deadlines. ## Quick Start Ask the assistant to build a complete personal finance plan from your current income, expenses, and debts, with numbered stages and monthly reviews.
