Individual skill

spending-analysis

Analyzes the user's spending history against their stated values and financial goals. Identifies misalignments between what the user says they value and where they actually spend money, then recommends specific reallocation amounts to bring spending in line with priorities. Use when the user wants to understand their spending patterns, find misalignments, or optimize how their money is distributed across categories. Do NOT use for setting up expense tracking (use expense-tracking-setup), creating a budget (use budget-planning), or auditing subscriptions only (use subscription-audit).

src/process/resources/skills-library/bodies/skills/personal-finance/spending-analysis/SKILL.md

Source commit 4c030c7b01c241df7b6e3535635a970f10d781af

What was checked

Matches the observed repository HEAD

Yes

Scanner rules are current

No

Repository scan complete

No

Skill scan complete

No

Observed behavior

Not checked yet

Last checked

Nov 4, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

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