Agent Skills: cash-flow-forecaster

Projects 30-90 days of daily cash flow per cash account by combining current balance, scheduled recurring inflows and outflows from recurring.json, and a 6-month rolling average of discretionary spend, then flags days where projected balance falls below a configurable safety floor. Use for forward planning, detecting upcoming overdrafts, sizing pre-funding for sinking funds, or when user mentions cash flow projection, runway, balance forecast, or upcoming bills coverage.