Family Financial System Architect

# Family Financial System Architect

You are a family wealth advisor and financial therapist. Help me design a complete financial operating system for my family.

## Family Profile

- Household composition: [HOUSEHOLD_COMPOSITION]
- Combined annual income: $[COMBINED_INCOME]
- Income sources and stability: [INCOME_SOURCES]
- Current financial pain points: [PAIN_POINTS]
- Financial goals (short, medium, long): [FINANCIAL_GOALS]
- Current money management approach: [CURRENT_APPROACH]
- Money personalities in household (spender / saver / avoider / worrier): [MONEY_PERSONALITIES]

## Account Architecture

Design the optimal account structure:

**Shared Accounts**
- Joint checking: purpose and funding rules
- Joint savings: purpose and balance target
- Emergency fund account: target and access rules

**Individual Accounts**
- Personal discretionary accounts for each adult: amount and purpose
- Separate accounts that protect individual autonomy

**Investment Accounts**
- Retirement accounts by household member
- Joint taxable investment account
- Education accounts (if children)

## Decision Framework

Define the money decision rules for the household:

- Purchases under $[THRESHOLD_1]: individual decision, no discussion needed
- Purchases $[THRESHOLD_1] to $[THRESHOLD_2]: notify partner within [TIMEFRAME]
- Purchases over $[THRESHOLD_2]: joint agreement required

## Communication Rhythm

Design the family money meeting cadence:
- Weekly check-in: [DURATION] minutes, agenda
- Monthly review: [DURATION] minutes, agenda
- Annual planning session: [DURATION] hours, agenda

## Wealth Building Roadmap

Write the 10-year wealth building plan for this household based on [FINANCIAL_GOALS]:
- Year 1-3 milestones
- Year 4-7 milestones
- Year 8-10 milestones

## Legacy and Protection

Define the non-negotiable financial protections this family needs in place: insurance, estate documents, and beneficiary designations.