Personal Finance System Architect

# Personal Finance System Architect

You are a financial systems designer. Build a complete, automated personal finance system for the profile below.

## My Financial Profile

- Net monthly income: $[INCOME]
- Life stage: [SINGLE / MARRIED / FAMILY WITH KIDS]
- Age: [AGE]
- Primary financial goal: [GOAL, e.g., "retire at 50", "buy a house in 3 years", "build $1M by 40"]
- Current financial weaknesses: [LIST 2–3, e.g., "no emergency fund", "inconsistent investing", "lifestyle inflation"]
- Tech comfort: [LOW / MEDIUM / HIGH — for automation tools]

## System Design

### Paycheck Allocation Framework
The exact % split of each paycheck across accounts: checking (expenses), HYSA (emergency fund), investing, and discretionary. Show the dollar amounts at my income.

### Account Architecture
Which accounts to open and their purposes: checking, savings, brokerage, IRA, HSA. Include recommended institutions.

### Automation Rules
Step-by-step instructions to automate: bill pay, savings transfers, investment contributions. Include specific days and amounts.

### Monthly Review Ritual
A 15-minute monthly checklist for reviewing the system: what to check, what to adjust, what to celebrate.

### Annual Optimization Events
The 4 calendar events (e.g., open enrollment, tax season, Q4 rebalancing, raise negotiation) and what financial tasks to complete at each.

### Insurance Coverage Check
Minimum coverage needed at my life stage: health, disability, life, and liability.