# Financial Profile

*This profile is auto-maintained by finance skills. Edit manually anytime or ask Claude to update it.*

## Income & Obligations
<!-- Auto-populated when skills learn about your income and fixed expenses -->
<!-- last_verified: never -->

## Savings & Goals
<!-- Auto-populated from Copilot goals and user conversations -->

## Irregular Expenses (Sinking Funds)
<!-- Auto-populated: annual/semi-annual payments detected from transaction history -->
<!-- last_verified: never -->

## Preferences
<!-- Auto-populated as you use skills and express preferences -->
<!-- staleness_threshold_days: 90 (used by /finance-pulse to decide when a section needs re-bootstrapping; lower means more frequent prompts) -->

## Accounts
<!-- Auto-populated: which accounts serve which purpose -->
<!-- last_verified: never -->

## Trip Tracking
<!-- Only active/recent trips (within 3 weeks of end date). Concluded trips are tracked via tags in Copilot Money, not here. -->
- Home city: <!-- e.g., Seattle, WA -->

## Communication Style
- Detail level: simple
- Tone: blunt
- Framing: dollar amounts

## Cleanup Preferences
<!-- Auto-populated as you approve/reject cleanup suggestions -->

## Recurring Matcher State
<!-- Auto-populated by /finance-cleanup whenever it fixes a matcher rule
     (update_recurring). Read BEFORE investigating any "overdue" recurring
     so known-active subs aren't re-investigated from scratch each session.
     Format per sub:
       - <Display name>
         - Merchant substring: `<exact text the processor posts>`
         - Amount range: $min – $max
         - Oddities: <e.g. "semi-annual; Copilot next_date is buggy"> -->

