# Finances

**Your personal financial information and tracking.**

This directory contains your financial data for AI-assisted money management. All content here is private and never synced publicly.

---

## Recommended Files

| File | Purpose |
|------|---------|
| `FINANCES.md` | Overview of your current financial status |
| `ACCOUNTS.md` | Bank accounts, credit cards, brokerages |
| `INCOME.md` | Income sources, salary, side income |
| `EXPENSES.md` | Regular expenses, subscriptions, bills |
| `INVESTMENTS.md` | Investment accounts, allocations, strategy |
| `GOALS.md` | Financial goals, savings targets, timelines |
| `TAXES.md` | Tax-relevant information, deductions, deadlines |
| `Data/` | Statements, CSVs, transaction exports |

---

## File Templates

### FINANCES.md
```markdown
# Financial Overview

**Last Updated:** [DATE]

## Current Status
**Net Worth:** [Approximate range or status]
**Cash Flow:** [Positive / Neutral / Negative]
**Emergency Fund:** [X months expenses]

## Financial Health
- **Debt Status:** [Debt-free / Paying down / Managing]
- **Savings Rate:** [% of income saved]
- **Investment Status:** [Active / Passive / Not started]

## Current Focus
1. [Current financial priority 1]
2. [Current financial priority 2]
```

### ACCOUNTS.md
```markdown
# Financial Accounts

## Checking
| Account | Institution | Purpose |
|---------|-------------|---------|
| [Name] | [Bank] | [Primary/Bills/etc] |

## Savings
| Account | Institution | Purpose | Target |
|---------|-------------|---------|--------|
| [Name] | [Bank] | [Emergency/Goal] | [Amount] |

## Credit Cards
| Card | Issuer | Purpose | Limit |
|------|--------|---------|-------|
| [Name] | [Bank] | [Primary/Travel/etc] | [Amount] |

## Investment Accounts
| Account | Institution | Type | Purpose |
|---------|-------------|------|---------|
| [Name] | [Brokerage] | [401k/IRA/Taxable] | [Retirement/etc] |
```

### INCOME.md
```markdown
# Income

## Primary Income
- **Source:** [Employer/Business]
- **Type:** [Salary/Hourly/Contract]
- **Gross:** [Amount/period]
- **Net:** [Amount/period]
- **Pay Schedule:** [Weekly/Bi-weekly/Monthly]

## Additional Income
| Source | Type | Amount | Frequency |
|--------|------|--------|-----------|
| [Source] | [Type] | [Amount] | [Monthly/etc] |

## Total Monthly Income
- **Gross:** [Total]
- **Net:** [Total after taxes]
```

### EXPENSES.md
```markdown
# Expenses

## Fixed Monthly Expenses
| Expense | Amount | Due Date | Category |
|---------|--------|----------|----------|
| Rent/Mortgage | [Amount] | [Day] | Housing |
| Utilities | [Amount] | [Day] | Housing |
| Insurance | [Amount] | [Day] | Insurance |

## Variable Expenses (Monthly Average)
| Category | Budget | Typical |
|----------|--------|---------|
| Groceries | [Budget] | [Actual] |
| Transportation | [Budget] | [Actual] |
| Entertainment | [Budget] | [Actual] |

## Subscriptions
| Service | Amount | Frequency | Category |
|---------|--------|-----------|----------|
| [Service] | [Amount] | [Monthly/Annual] | [Category] |

## Total Monthly Expenses
- **Fixed:** [Total]
- **Variable:** [Average]
- **Total:** [Sum]
```

### INVESTMENTS.md
```markdown
# Investments

## Investment Strategy
**Approach:** [Passive index / Active / Mixed]
**Risk Tolerance:** [Conservative / Moderate / Aggressive]
**Time Horizon:** [Years until retirement or goal]

## Asset Allocation
| Asset Class | Target % | Current % |
|-------------|----------|-----------|
| US Stocks | [%] | [%] |
| International Stocks | [%] | [%] |
| Bonds | [%] | [%] |
| Real Estate | [%] | [%] |
| Cash | [%] | [%] |

## Accounts Summary
| Account | Value | Type |
|---------|-------|------|
| [Account] | [Value] | [401k/IRA/etc] |

## Rebalancing Schedule
- **Frequency:** [Quarterly/Annually]
- **Last Rebalanced:** [Date]
```

### GOALS.md
```markdown
# Financial Goals

## Short-Term (< 1 year)
- [ ] **[Goal]:** [Target amount] by [Date]
  - Current: [Amount]
  - Remaining: [Amount]

## Medium-Term (1-5 years)
- [ ] **[Goal]:** [Target amount] by [Date]
  - Current: [Amount]
  - Monthly contribution: [Amount]

## Long-Term (5+ years)
- [ ] **[Goal]:** [Target amount] by [Date]
  - Current: [Amount]
  - On track: [Yes/No/Needs adjustment]

## Progress Tracking
| Goal | Target | Current | % Complete |
|------|--------|---------|------------|
| [Goal] | [Amount] | [Amount] | [%] |
```

### TAXES.md
```markdown
# Taxes

## Tax Profile
- **Filing Status:** [Single / Married Filing Jointly / etc]
- **State:** [State of residence]
- **Tax Year Focus:** [Current year]

## Important Dates
| Event | Date | Status |
|-------|------|--------|
| Q1 Estimated Tax | Apr 15 | [Paid/Due] |
| Q2 Estimated Tax | Jun 15 | [Paid/Due] |
| Q3 Estimated Tax | Sep 15 | [Paid/Due] |
| Q4 Estimated Tax | Jan 15 | [Paid/Due] |
| Tax Filing Deadline | Apr 15 | [Filed/Due] |

## Deductions Tracked
| Category | Amount YTD | Notes |
|----------|------------|-------|
| [Deduction type] | [Amount] | [Notes] |

## Documents Needed
- [ ] W-2 from [Employer]
- [ ] 1099s from [Sources]
- [ ] Investment statements
- [ ] Charitable donation receipts
```

---

## How PAI Uses This

When you discuss finances, PAI can:
- Calculate budget impacts of decisions
- Track progress toward financial goals
- Remind you of bill due dates
- Analyze spending patterns
- Help with tax planning and deductions
- Project investment growth

---

## Privacy Note

Financial data is highly sensitive. This directory:
- Never syncs to any public repository
- Is only accessed locally by your AI
- Should be backed up securely (encrypted recommended)
- Contains no actual account numbers (store those in a password manager)

---

*Start with FINANCES.md as an overview. Add detail progressively.*
