name: journey-to-first-million description: Journey to First Million — personal finance companion for tracking income/expenses, budgeting, and progress toward your first million. Use when the user asks to track spending, set budgets, analyze finances, or check progress to their savings goal. Supports transactions, reports, budget checks, and encouragement along the journey. Scope: project-local scripts and reference files only; no network, credentials, or external access. metadata: license: MIT scope: project-local

Journey to First Million

This skill is your companion on the path to your first million. It helps you track transactions, set budgets, spot spending patterns, and see how far you’ve come—so every entry and review feels part of a bigger story. All data and scripts are project-local; no external network or credentials are used.

Core Features

1. Record Transactions

Adding expenses:

User: "Breakfast cost 19"
User: "Taxi 12"
User: "Lunch 22, with colleagues"

Adding income:

User: "Salary 8000"
User: "Side gig 500"
User: "Investment income 120"

Script to use: scripts/add_transaction.py

Parameters:

• --type: income|expense
• --amount: amount number
• --category: category name
• --note: optional note
• --date: optional date (YYYY-MM-DD)

2. Set Budgets

Setting budgets:

User: "Total budget this month 5000"
User: "Food budget 2000"
User: "Shopping 1000, transport 500"

Checking budget status:

User: "How much budget left this month"
User: "Budget status"
User: "Am I over budget"

Script to use: scripts/budget.py

Commands:

• --set <category>:<amount> - Set budget for category or total
• --check [--period month] - Check budget status

3. Analyze Spending

Generate reports:

User: "How much did I spend this month"
User: "This week's spending"
User: "Break down spending by category"
User: "Income this year"

Script to use: scripts/analyze.py

Parameters:

• --period: week|month|year|all
• --category: filter by specific category

4. Financial Advice

Common requests:

User: "How to set a budget"
User: "How to save more"
User: "Financial tips"
User: "How to control spending"

Reference (project file): references/finance-tips.md

5. Journey to First Million (progress & milestones)

Common requests:

User: "My goal is to save one million"
User: "How far from my first million"
User: "First million progress"
User: "How long until I hit a million"

How to track:

• Use scripts/analyze.py --period year or --period all to get total income and expenses, then estimate current savings/net worth
• If the user has a target (e.g. 1M), compute: amount saved, gap remaining, and estimated time to reach it from current monthly savings
• For goal breakdown, see "savings goal planning" in references/finance-tips.md (SMART goals, breakdown, progress)