ray-finance 0.2.0

package/dist/ai/insights.js

@@ -0,0 +1,378 @@
+import chalk from "chalk";
+import { getNetWorth, getAccountBalances, getDebts, getBudgetStatuses, getGoals, compareSpending, formatMoney, categoryLabel, } from "../queries/index.js";
+import { getLatestScore } from "../scoring/index.js";
+const MAX_CHARS = 6000;
+export function computeInsights(db) {
+    // Fresh install guard
+    const txCount = db.prepare(`SELECT COUNT(*) as cnt FROM transactions`).get();
+    if (txCount.cnt === 0) {
+        return `## Current Financial Briefing\nAccounts connected — run \`ray sync\` to pull transactions. No financial data to analyze yet.`;
+    }
+    const sections = [];
+    // 1. Financial Snapshot (priority 1 — always kept)
+    sections.push({ priority: 1, text: buildSnapshot(db) });
+    // 2. Spending Intelligence (priority 2 — always kept)
+    sections.push({ priority: 2, text: buildSpending(db) });
+    // 3. Goal & Savings Pace (priority 4)
+    const goals = buildGoals(db);
+    if (goals)
+        sections.push({ priority: 4, text: goals });
+    // 4. Upcoming & Proactive (priority 5)
+    const upcoming = buildUpcoming(db);
+    if (upcoming)
+        sections.push({ priority: 5, text: upcoming });
+    // 5. Anomaly Detection (priority 6 — nice to have)
+    const anomalies = buildAnomalies(db);
+    if (anomalies)
+        sections.push({ priority: 6, text: anomalies });
+    // 6. Behavioral Score (priority 7 — nice to have)
+    const score = buildScore(db);
+    if (score)
+        sections.push({ priority: 7, text: score });
+    // Token budget: drop lowest-priority sections first if over budget
+    sections.sort((a, b) => a.priority - b.priority);
+    let combined = "";
+    const included = [];
+    for (const s of sections) {
+        if ((combined + s.text).length > MAX_CHARS && s.priority > 2)
+            break;
+        included.push(s.text);
+        combined = included.join("\n\n");
+    }
+    return `## Current Financial Briefing (auto-generated)\n\n${combined}`;
+}
+function buildSnapshot(db) {
+    const nw = getNetWorth(db);
+    const lines = [];
+    let nwLine = `Net worth: ${formatMoney(nw.net_worth)}`;
+    if (nw.prev_net_worth !== null) {
+        const change = nw.net_worth - nw.prev_net_worth;
+        nwLine += ` (${change >= 0 ? "+" : "-"}${formatMoney(Math.abs(change))} today)`;
+    }
+    lines.push(nwLine);
+    // Account balances — cap at 5
+    const accounts = getAccountBalances(db).slice(0, 5);
+    if (accounts.length > 0) {
+        lines.push(accounts.map(a => `${a.name} (${a.type}): ${a.type === "credit" ? "-" : ""}${formatMoney(a.balance)}`).join(" | "));
+    }
+    // Debt summary
+    const debts = getDebts(db);
+    if (debts.totalDebt > 0) {
+        const rates = debts.debts.filter(d => d.rate > 0);
+        let debtLine = `Total debt: ${formatMoney(debts.totalDebt)}`;
+        if (rates.length > 0) {
+            const weightedRate = rates.reduce((s, d) => s + d.rate * d.balance, 0) / rates.reduce((s, d) => s + d.balance, 0);
+            debtLine += ` (avg ${weightedRate.toFixed(1)}% APR)`;
+        }
+        lines.push(debtLine);
+    }
+    return lines.join("\n");
+}
+function buildSpending(db) {
+    const now = new Date();
+    const monthStart = new Date(now.getFullYear(), now.getMonth(), 1);
+    const today = now.toISOString().slice(0, 10);
+    const dayOfMonth = now.getDate();
+    const daysInMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0).getDate();
+    const daysLeft = daysInMonth - dayOfMonth;
+    // This month's total spending
+    const thisMonthSpend = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE amount > 0 AND date BETWEEN ? AND ? AND pending = 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS')`).get(monthStart.toISOString().slice(0, 10), today);
+    const lines = [];
+    let spendLine = `SPENDING: ${formatMoney(thisMonthSpend.total)} this month`;
+    // Compare to last month (same day-of-month)
+    const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1);
+    const lastMonthSameDay = new Date(now.getFullYear(), now.getMonth() - 1, Math.min(dayOfMonth, new Date(now.getFullYear(), now.getMonth(), 0).getDate()));
+    // Only compare if we have >30 days of history
+    const oldestTx = db.prepare(`SELECT MIN(date) as d FROM transactions`).get();
+    const hasEnoughHistory = oldestTx.d && (new Date(today).getTime() - new Date(oldestTx.d).getTime()) > 30 * 24 * 60 * 60 * 1000;
+    if (hasEnoughHistory) {
+        const cmp = compareSpending(db, lastMonthStart.toISOString().slice(0, 10), lastMonthSameDay.toISOString().slice(0, 10), monthStart.toISOString().slice(0, 10), today);
+        if (cmp.period1Total > 0) {
+            const pctStr = cmp.pctChange >= 0 ? `${cmp.pctChange}% above` : `${Math.abs(cmp.pctChange)}% below`;
+            spendLine += ` (${pctStr} last month`;
+            // Top driver
+            const topDrivers = cmp.categories.filter(c => c.diff > 0).slice(0, 3);
+            if (topDrivers.length > 0 && cmp.pctChange > 0) {
+                spendLine += `, driven by ${topDrivers.map(d => `${categoryLabel(d.category)} +${formatMoney(d.diff)}`).join(", ")}`;
+            }
+            spendLine += ")";
+        }
+    }
+    lines.push(spendLine);
+    // Budget status
+    const budgets = getBudgetStatuses(db);
+    const alertBudgets = budgets.filter(b => b.pct_used >= 80).slice(0, 3);
+    for (const b of alertBudgets) {
+        if (b.over_budget) {
+            lines.push(`Budget OVER: ${categoryLabel(b.category)} — ${formatMoney(b.spent)} / ${formatMoney(b.budget)} (${formatMoney(Math.abs(b.remaining))} over)`);
+        }
+        else {
+            lines.push(`Budget alert: ${categoryLabel(b.category)} at ${b.pct_used}% of limit with ${daysLeft} days remaining`);
+        }
+    }
+    // Daily discretionary remaining
+    if (daysLeft > 0) {
+        const totalBudget = budgets.reduce((s, b) => s + b.budget, 0);
+        if (totalBudget > 0) {
+            const totalRemaining = budgets.reduce((s, b) => s + Math.max(0, b.remaining), 0);
+            lines.push(`Daily discretionary budget remaining: ${formatMoney(totalRemaining / daysLeft)}/day`);
+        }
+    }
+    return lines.join("\n");
+}
+function buildGoals(db) {
+    const goals = getGoals(db);
+    const active = goals.filter(g => g.progress_pct < 100);
+    if (active.length === 0)
+        return null;
+    const lines = active.slice(0, 3).map(g => {
+        let line = `${g.name}: ${formatMoney(g.current)} / ${formatMoney(g.target)} (${g.progress_pct}%)`;
+        if (g.target_date) {
+            line += ` — need ${formatMoney(g.monthly_needed)}/mo`;
+        }
+        return line;
+    });
+    return `GOALS: ${lines.join(" | ")}`;
+}
+function buildUpcoming(db) {
+    const parts = [];
+    // Recurring bills due in next 7 days
+    const now = new Date();
+    const todayDay = now.getDate();
+    const daysInMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0).getDate();
+    const endDay = todayDay + 7;
+    let bills = [];
+    if (endDay <= daysInMonth) {
+        bills = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`).all(todayDay + 1, endDay);
+    }
+    else {
+        // Wraparound: rest of this month + start of next
+        const thisMonthBills = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`).all(todayDay + 1, daysInMonth);
+        const nextMonthBills = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN 1 AND ?`).all(endDay - daysInMonth);
+        bills = [...thisMonthBills, ...nextMonthBills];
+    }
+    // Also handle bills on day 31 in shorter months
+    if (daysInMonth < 31) {
+        const endOfMonthBills = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month > ? AND day_of_month NOT IN (SELECT day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?)`).all(daysInMonth, todayDay + 1, Math.min(endDay, daysInMonth));
+        // These bills fall on the last day of the month
+        if (daysInMonth >= todayDay + 1 && daysInMonth <= endDay) {
+            bills.push(...endOfMonthBills);
+        }
+    }
+    if (bills.length > 0) {
+        const billStrs = bills.slice(0, 5).map(b => {
+            const daysUntil = b.day_of_month > todayDay
+                ? b.day_of_month - todayDay
+                : daysInMonth - todayDay + b.day_of_month;
+            return `${b.name} (${formatMoney(b.amount)}) due in ${daysUntil} days`;
+        });
+        parts.push(`UPCOMING: ${billStrs.join(", ")}`);
+    }
+    // Low balance warning
+    const avgMonthlyExpenses = db.prepare(`SELECT COALESCE(SUM(amount), 0) / 3.0 as avg FROM transactions
+     WHERE amount > 0 AND date > date('now', '-90 days') AND pending = 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN')`).get();
+    const lowAccounts = db.prepare(`SELECT name, current_balance FROM accounts WHERE type = 'depository' AND current_balance < ?`).all(avgMonthlyExpenses.avg);
+    for (const a of lowAccounts.slice(0, 2)) {
+        parts.push(`LOW BALANCE: ${a.name} at ${formatMoney(a.current_balance)} (below 1 month of avg expenses)`);
+    }
+    // Credit utilization
+    const creditCards = db.prepare(`SELECT name, current_balance, available_balance FROM accounts
+     WHERE type = 'credit' AND current_balance > 0 AND available_balance IS NOT NULL`).all();
+    for (const card of creditCards) {
+        const limit = card.current_balance + card.available_balance;
+        if (limit > 0) {
+            const utilization = card.current_balance / limit;
+            if (utilization > 0.3) {
+                parts.push(`CREDIT: ${card.name} at ${Math.round(utilization * 100)}% utilization (${formatMoney(card.current_balance)} / ${formatMoney(limit)} limit)`);
+            }
+        }
+    }
+    return parts.length > 0 ? parts.join("\n") : null;
+}
+function buildAnomalies(db) {
+    const parts = [];
+    // Large transactions in last 7 days (>$200)
+    const largeTx = db.prepare(`SELECT name, merchant_name, amount, date FROM transactions
+     WHERE amount > 200 AND date > date('now', '-7 days') AND pending = 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS', 'RENT_AND_UTILITIES')
+     ORDER BY amount DESC LIMIT 3`).all();
+    for (const tx of largeTx) {
+        parts.push(`Large charge: ${formatMoney(tx.amount)} at ${tx.merchant_name || tx.name} (${tx.date})`);
+    }
+    // Spending velocity (only after day 5)
+    const now = new Date();
+    const dayOfMonth = now.getDate();
+    if (dayOfMonth >= 5) {
+        const monthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+        const today = now.toISOString().slice(0, 10);
+        const daysInMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0).getDate();
+        const thisMonth = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+       WHERE amount > 0 AND date BETWEEN ? AND ? AND pending = 0
+       AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS')`).get(monthStart, today);
+        const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1).toISOString().slice(0, 10);
+        const lastMonthEnd = new Date(now.getFullYear(), now.getMonth(), 0).toISOString().slice(0, 10);
+        const lastMonth = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+       WHERE amount > 0 AND date BETWEEN ? AND ? AND pending = 0
+       AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS')`).get(lastMonthStart, lastMonthEnd);
+        if (lastMonth.total > 0) {
+            const projected = (thisMonth.total / dayOfMonth) * daysInMonth;
+            const velocity = projected / lastMonth.total;
+            if (velocity > 1.2) {
+                parts.push(`PACE ALERT: On track to spend ${formatMoney(projected)} this month (${Math.round((velocity - 1) * 100)}% above last month's ${formatMoney(lastMonth.total)})`);
+            }
+        }
+    }
+    return parts.length > 0 ? parts.join("\n") : null;
+}
+// ─── CLI Briefing (colored, for terminal display on launch) ─── //
+export function cliBriefing(db) {
+    const txCount = db.prepare(`SELECT COUNT(*) as cnt FROM transactions`).get();
+    if (txCount.cnt === 0)
+        return null;
+    const now = new Date();
+    const dayOfMonth = now.getDate();
+    const daysInMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0).getDate();
+    const daysLeft = daysInMonth - dayOfMonth;
+    const lines = [];
+    // Net worth headline
+    const nw = getNetWorth(db);
+    let nwLine = chalk.white(`  ${fmtMoney(nw.net_worth)}`);
+    if (nw.prev_net_worth !== null) {
+        const change = nw.net_worth - nw.prev_net_worth;
+        nwLine += change >= 0
+            ? chalk.green(` +${fmtMoney(change)}`)
+            : chalk.red(` -${fmtMoney(Math.abs(change))}`);
+    }
+    lines.push(chalk.dim("  net worth") + nwLine);
+    lines.push("");
+    // Spending vs last month
+    const monthStart = new Date(now.getFullYear(), now.getMonth(), 1);
+    const today = now.toISOString().slice(0, 10);
+    const thisMonthSpend = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE amount > 0 AND date BETWEEN ? AND ? AND pending = 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS')`).get(monthStart.toISOString().slice(0, 10), today);
+    const oldestTx = db.prepare(`SELECT MIN(date) as d FROM transactions`).get();
+    const hasHistory = oldestTx.d && (new Date(today).getTime() - new Date(oldestTx.d).getTime()) > 30 * 24 * 60 * 60 * 1000;
+    if (hasHistory) {
+        const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1);
+        const lastMonthSameDay = new Date(now.getFullYear(), now.getMonth() - 1, Math.min(dayOfMonth, new Date(now.getFullYear(), now.getMonth(), 0).getDate()));
+        const cmp = compareSpending(db, lastMonthStart.toISOString().slice(0, 10), lastMonthSameDay.toISOString().slice(0, 10), monthStart.toISOString().slice(0, 10), today);
+        if (cmp.period1Total > 0) {
+            const diff = cmp.period2Total - cmp.period1Total;
+            const arrow = diff <= 0 ? chalk.green(`${fmtMoney(Math.abs(diff))} less`) : chalk.red(`${fmtMoney(diff)} more`);
+            lines.push(chalk.dim("  spending") + chalk.white(`  ${fmtMoney(thisMonthSpend.total)} this month`) + chalk.dim(` · `) + arrow + chalk.dim(` than this point last month`));
+            // Top movers (up to 3, show both ups and downs)
+            const movers = cmp.categories
+                .filter(c => Math.abs(c.diff) > 10)
+                .sort((a, b) => Math.abs(b.diff) - Math.abs(a.diff))
+                .slice(0, 4);
+            if (movers.length > 0) {
+                const moverStrs = movers.map(m => {
+                    const label = categoryLabel(m.category);
+                    const color = m.diff <= 0 ? chalk.green : chalk.red;
+                    const sign = m.diff <= 0 ? "-" : "+";
+                    return `${chalk.dim(label)} ${color(`${sign}${fmtMoney(Math.abs(m.diff))}`)}`;
+                });
+                lines.push("  " + moverStrs.join(chalk.dim("  ·  ")));
+            }
+        }
+    }
+    else {
+        lines.push(chalk.dim("  spending") + chalk.white(`  ${fmtMoney(thisMonthSpend.total)} this month`) + chalk.dim(` · ${daysLeft} days left`));
+    }
+    // Budget alerts (only if something is hot)
+    const budgets = getBudgetStatuses(db);
+    const hot = budgets.filter(b => b.pct_used >= 90).slice(0, 2);
+    if (hot.length > 0) {
+        lines.push("");
+        for (const b of hot) {
+            const pct = Math.round(b.pct_used);
+            const color = b.over_budget ? chalk.red : chalk.yellow;
+            const bar = miniBar(b.pct_used);
+            lines.push(`  ${bar}  ${color(categoryLabel(b.category))} ${chalk.dim(`${pct}%`)}`);
+        }
+    }
+    // Goals (compact)
+    const goals = getGoals(db).filter(g => g.progress_pct < 100).slice(0, 2);
+    if (goals.length > 0) {
+        lines.push("");
+        for (const g of goals) {
+            const bar = miniBar(g.progress_pct);
+            const pace = g.target_date
+                ? chalk.dim(` · need ${fmtMoney(g.monthly_needed)}/mo`)
+                : "";
+            lines.push(`  ${bar}  ${chalk.white(g.name)} ${chalk.dim(`${fmtMoney(g.current)}/${fmtMoney(g.target)}`)}${pace}`);
+        }
+    }
+    // Upcoming bills
+    const todayDay = now.getDate();
+    const endDay = todayDay + 7;
+    let bills = [];
+    if (endDay <= daysInMonth) {
+        bills = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`).all(todayDay + 1, endDay);
+    }
+    else {
+        const a = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`).all(todayDay + 1, daysInMonth);
+        const b = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN 1 AND ?`).all(endDay - daysInMonth);
+        bills = [...a, ...b];
+    }
+    if (bills.length > 0) {
+        lines.push("");
+        const billStrs = bills.slice(0, 3).map(b => {
+            const daysUntil = b.day_of_month > todayDay ? b.day_of_month - todayDay : daysInMonth - todayDay + b.day_of_month;
+            return chalk.dim(`${b.name} ${fmtMoney(b.amount)}`) + chalk.dim(` in ${daysUntil}d`);
+        });
+        lines.push(`  ${chalk.dim("upcoming")}  ${billStrs.join(chalk.dim("  ·  "))}`);
+    }
+    // Score
+    const score = getLatestScore(db);
+    if (score) {
+        lines.push("");
+        const scoreColor = score.score >= 70 ? chalk.green : score.score >= 40 ? chalk.yellow : chalk.red;
+        let scoreLine = `  ${chalk.dim("score")}     ${scoreColor(String(score.score))}${chalk.dim("/100")}`;
+        const streaks = [];
+        if (score.no_restaurant_streak > 0)
+            streaks.push(`${score.no_restaurant_streak}d no dining`);
+        if (score.on_pace_streak > 0)
+            streaks.push(`${score.on_pace_streak}d on pace`);
+        if (streaks.length > 0)
+            scoreLine += chalk.dim(`  ·  ${streaks.join("  ·  ")}`);
+        lines.push(scoreLine);
+    }
+    return lines.join("\n");
+}
+function fmtMoney(n) {
+    return "$" + Math.abs(n).toLocaleString("en-US", { minimumFractionDigits: 0, maximumFractionDigits: 0 });
+}
+function miniBar(pct) {
+    const width = 8;
+    const clamped = Math.max(0, Math.min(100, pct));
+    const filled = Math.round((clamped / 100) * width);
+    const empty = width - filled;
+    const color = pct > 100 ? chalk.red : pct > 80 ? chalk.yellow : chalk.green;
+    return color("▓".repeat(filled)) + chalk.dim("░".repeat(empty));
+}
+function buildScore(db) {
+    const score = getLatestScore(db);
+    if (!score)
+        return null;
+    let line = `SCORE: ${score.score}/100`;
+    const streaks = [];
+    if (score.no_restaurant_streak > 0)
+        streaks.push(`${score.no_restaurant_streak}-day no-restaurant streak`);
+    if (score.no_shopping_streak > 0)
+        streaks.push(`${score.no_shopping_streak}-day no-shopping streak`);
+    if (score.on_pace_streak > 0)
+        streaks.push(`${score.on_pace_streak}-day on-pace streak`);
+    if (streaks.length > 0)
+        line += ` — ${streaks.join(", ")}`;
+    // Recent achievements
+    const achievements = db.prepare(`SELECT name FROM achievements ORDER BY unlocked_at DESC LIMIT 3`).all();
+    if (achievements.length > 0) {
+        line += ` | Recent: ${achievements.map(a => a.name).join(", ")}`;
+    }
+    return line;
+}

package/dist/ai/memory.d.ts

@@ -0,0 +1,14 @@
+import type Database from "better-sqlite3-multiple-ciphers";
+export declare function getConversationHistory(db: Database.Database, limit?: number): {
+    role: string;
+    content: string;
+    created_at: string;
+}[];
+export declare function saveMessage(db: Database.Database, role: "user" | "assistant", content: string): void;
+export declare function getMemories(db: Database.Database): {
+    id: number;
+    content: string;
+    category: string;
+    created_at: string;
+}[];
+export declare function saveMemory(db: Database.Database, content: string, category?: string): void;

package/dist/ai/memory.js

@@ -0,0 +1,12 @@
+export function getConversationHistory(db, limit = 20) {
+    return db.prepare(`SELECT role, content, created_at FROM conversation_history ORDER BY id DESC LIMIT ?`).all(limit).reverse();
+}
+export function saveMessage(db, role, content) {
+    db.prepare(`INSERT INTO conversation_history (role, content) VALUES (?, ?)`).run(role, content);
+}
+export function getMemories(db) {
+    return db.prepare(`SELECT id, content, category, created_at FROM memories ORDER BY created_at DESC`).all();
+}
+export function saveMemory(db, content, category = "general") {
+    db.prepare(`INSERT INTO memories (content, category) VALUES (?, ?)`).run(content, category);
+}

package/dist/ai/redactor.d.ts

@@ -0,0 +1,2 @@
+export declare function redact(text: string): string;
+export declare function unredact(text: string): string;

package/dist/ai/redactor.js

@@ -0,0 +1,92 @@
+import { config } from "../config.js";
+import { readContext } from "./context.js";
+/**
+ * Builds a list of PII terms to redact from outbound API calls.
+ * Extracts: user name, family/partner names, employer names from context.
+ */
+function buildRedactions() {
+    const entries = [];
+    const seen = new Set();
+    function add(real, token) {
+        const trimmed = real.trim();
+        if (trimmed.length < 2 || seen.has(trimmed.toLowerCase()))
+            return;
+        seen.add(trimmed.toLowerCase());
+        entries.push({ real: trimmed, token });
+    }
+    // User's name (and first name if multi-word)
+    const userName = config.userName;
+    if (userName && userName !== "User") {
+        add(userName, "[USER]");
+        const parts = userName.split(/\s+/);
+        if (parts.length > 1) {
+            add(parts[0], "[USER_FIRST]");
+            add(parts[parts.length - 1], "[USER_LAST]");
+        }
+    }
+    // Parse context.md for family and employer names
+    const context = readContext();
+    if (context) {
+        // Extract names from ## Family section
+        const familyMatch = context.match(/## Family\n([\s\S]*?)(?=\n##|$)/);
+        if (familyMatch) {
+            const lines = familyMatch[1].split("\n").filter(l => l.trim().startsWith("-"));
+            for (const line of lines) {
+                const text = line.replace(/^-\s*/, "").trim();
+                // Skip the user's own name and placeholder lines
+                if (!text || text.startsWith("(") || text.toLowerCase() === userName.toLowerCase())
+                    continue;
+                // Extract name — could be "Partner: Jane" or "Jane (wife)" or just "Jane Smith"
+                const nameMatch = text.match(/^(?:partner|spouse|wife|husband|child|kid|son|daughter|dependent)[:\s]+(.+)/i)
+                    || text.match(/^([A-Z][a-z]+(?: [A-Z][a-z]+)*)/);
+                if (nameMatch) {
+                    const name = nameMatch[1].replace(/\s*\(.*\)/, "").trim();
+                    if (name && name.toLowerCase() !== userName.toLowerCase()) {
+                        add(name, "[PARTNER]");
+                        const nameParts = name.split(/\s+/);
+                        if (nameParts.length > 1) {
+                            add(nameParts[0], "[PARTNER_FIRST]");
+                        }
+                    }
+                }
+            }
+        }
+        // Extract employer from ## Income section
+        const incomeMatch = context.match(/## Income\n([\s\S]*?)(?=\n##|$)/);
+        if (incomeMatch) {
+            const lines = incomeMatch[1].split("\n").filter(l => l.trim().startsWith("-"));
+            for (const line of lines) {
+                const text = line.replace(/^-\s*/, "").trim();
+                if (!text || text.startsWith("("))
+                    continue;
+                // Match patterns like "Employer: Acme Corp", "Salary from Acme Corp", "$85k/year from Acme Corp"
+                const employerMatch = text.match(/(?:employer|works? (?:at|for)|employed (?:at|by))[:\s]+([A-Z][\w\s&.,-]+?)(?:\s*[-–—|,;(\n]|$)/i)
+                    || text.match(/\bfrom ([A-Z][A-Za-z\s&.,-]+?)(?:\s*[-–—|,;(\n]|$)/)
+                    || text.match(/\bat ([A-Z][A-Za-z\s&.,-]+?)(?:\s*[-–—|,;(\n]|$)/);
+                if (employerMatch) {
+                    add(employerMatch[1].trim(), "[EMPLOYER]");
+                }
+            }
+        }
+    }
+    // Sort longest first so "John Smith" is replaced before "John"
+    entries.sort((a, b) => b.real.length - a.real.length);
+    return entries;
+}
+export function redact(text) {
+    const redactions = buildRedactions();
+    let result = text;
+    for (const { real, token } of redactions) {
+        result = result.replaceAll(real, token);
+    }
+    return result;
+}
+export function unredact(text) {
+    const redactions = buildRedactions();
+    let result = text;
+    // Reverse: replace tokens with real values (shortest tokens last to avoid partial matches)
+    for (const { real, token } of redactions) {
+        result = result.replaceAll(token, real);
+    }
+    return result;
+}

package/dist/ai/system-prompt.d.ts

@@ -0,0 +1,2 @@
+import type Database from "better-sqlite3-multiple-ciphers";
+export declare function buildSystemPrompt(db: Database.Database): string;

package/dist/ai/system-prompt.js

@@ -0,0 +1,85 @@
+import { config } from "../config.js";
+import { getMemories } from "./memory.js";
+import { readContext, isContextEmpty } from "./context.js";
+import { computeInsights } from "./insights.js";
+export function buildSystemPrompt(db) {
+    const memories = getMemories(db);
+    const now = new Date();
+    const dateStr = now.toLocaleDateString("en-US", { weekday: "long", month: "long", day: "numeric", year: "numeric" });
+    const context = readContext();
+    const name = config.userName;
+    let prompt = `You are Ray, a personal financial advisor for ${name}. You have access to their real bank, investment, and debt data. You are thoughtful, precise, and candid about money — like a trusted friend who happens to be a financial expert.
+
+Today is ${dateStr}.
+
+## Personality
+- You are not a chatbot. You are a sharp, opinionated CFO who's been watching ${name}'s money all day. Talk like a person, not a customer service rep.
+- Lead with the insight, not the data. Don't say "Here's the breakdown:" — say what the breakdown means. "You crushed dining this month — down $114. That's the biggest swing."
+- Be specific with numbers — always cite actual balances, amounts, and percentages from the data.
+- Have a point of view. Instead of "here are your options", say what you'd actually do and why. You can present alternatives, but lead with your recommendation.
+- Be proactive: if you notice something concerning or interesting in the briefing data, bring it up even if not asked. A good CFO doesn't wait to be asked.
+- Be concise. 2-4 sentences for simple questions. Don't pad responses with filler.
+- Skip transitions and preamble. Don't start with "Great question!" or "Let me look into that." Just answer.
+- Be warm but direct. Celebrate wins genuinely. Flag problems without sugarcoating.
+
+## Approach
+1. You already have a financial briefing with current data. Use it — don't re-fetch what you already know. Call tools for deeper dives or data not in the briefing.
+2. Connect the dots between data points. Don't just report numbers — tell ${name} what it means for them specifically, referencing their goals and context.
+3. When comparing periods, use percentage changes and absolute differences.
+4. End with what to do, not just what happened. A good CFO always has a next step.
+
+## Formatting (terminal output)
+- Plain text only. No markdown syntax — no asterisks, no hashtags, no backticks.
+- Use line breaks, dashes, and simple alignment for structure.
+- Use ALL CAPS or dashes for emphasis instead of bold/italic.
+
+## Tools
+- Always use tools to look up current data. Never guess balances, spending, or dates.
+- When the user shares something worth remembering (a preference, life event, financial goal context), use save_memory.
+- When circumstances change (new decisions, completed goals, changed balances, updated strategy), use update_context to persist the change.
+- For date-based queries, figure out the right date range from context (e.g., "this month" = first of current month to today).
+
+## Privacy
+- Never reveal account numbers, routing numbers, or Plaid access tokens.
+- You can discuss balances, transactions, and spending freely — that's what you're here for.`;
+    if (isContextEmpty()) {
+        prompt += `\n\n## Onboarding Mode
+${name} just connected their financial accounts and needs help setting up their financial profile. This is your first conversation.
+
+Instructions:
+1. Start by calling these tools to review their synced data: get_accounts, get_transactions (last 30 days), get_spending_summary, get_debts
+2. Present a concise summary of what you found — accounts, recent spending patterns, any debts
+3. Then ask about gaps ONE TOPIC AT A TIME (not all at once). Topics to cover:
+   - Family situation (partner, dependents)
+   - Income details (salary, side income, frequency)
+   - Financial goals (short-term and long-term)
+   - Current challenges or concerns
+   - Budget targets or spending limits they want
+   - Any upcoming life changes (job change, move, baby, etc.)
+4. After each answer, call update_context with the "section" param to save that section of their context
+5. Also use save_memory for notable individual facts
+6. Keep it to 1-2 questions per turn — be conversational, not interrogative
+7. After gathering enough info, write a Strategy section summarizing priorities and next steps
+8. If the user says "skip" or changes topic, gracefully stop onboarding and help with whatever they need
+
+This onboarding block will automatically disappear once the context file is filled in.`;
+    }
+    else if (context) {
+        prompt += `\n\n## ${name}'s Financial Context\n${context}`;
+    }
+    // Financial intelligence briefing — computed insights injected before memories
+    try {
+        const insights = computeInsights(db);
+        if (insights) {
+            prompt += `\n\n${insights}`;
+        }
+    }
+    catch {
+        // Don't let insight computation failure break the conversation
+    }
+    if (memories.length > 0) {
+        prompt += `\n\n## Things I remember about ${name}\n`;
+        prompt += memories.map(m => `- ${m.content}`).join("\n");
+    }
+    return prompt;
+}

package/dist/ai/tools.d.ts

@@ -0,0 +1,4 @@
+import type Database from "better-sqlite3-multiple-ciphers";
+import type { Tool } from "@anthropic-ai/sdk/resources/messages.js";
+export declare const toolDefinitions: Tool[];
+export declare function executeTool(db: Database.Database, toolName: string, toolInput: any): Promise<string>;