ray-finance 0.2.2 → 0.2.4

package/src/ai/insights.ts

@@ -1,474 +0,0 @@
-import type Database from "better-sqlite3-multiple-ciphers";
-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: Database.Database): string {
-  // Fresh install guard
-  const txCount = db.prepare(`SELECT COUNT(*) as cnt FROM transactions`).get() as { cnt: number };
-  if (txCount.cnt === 0) {
-    return `## Current Financial Briefing\nAccounts connected — run \`ray sync\` to pull transactions. No financial data to analyze yet.`;
-  }
-
-  const sections: { priority: number; text: string }[] = [];
-
-  // 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: string[] = [];
-  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: Database.Database): string {
-  const nw = getNetWorth(db);
-  const lines: string[] = [];
-
-  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: Database.Database): string {
-  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) as { total: number };
-
-  const lines: string[] = [];
-  let spendLine = `SPENDING: ${formatMoney(thisMonthSpend.total)} this month`;
-
-  // Compare to last month (same day-of-month)
-  const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1);
-  const lastMonthSameDay = new Date(now.getFullYear(), now.getMonth() - 1, Math.min(dayOfMonth, new Date(now.getFullYear(), now.getMonth(), 0).getDate()));
-
-  // Only compare if we have >30 days of history
-  const oldestTx = db.prepare(`SELECT MIN(date) as d FROM transactions`).get() as { d: string | null };
-  const hasEnoughHistory = oldestTx.d && (new Date(today).getTime() - new Date(oldestTx.d).getTime()) > 30 * 24 * 60 * 60 * 1000;
-
-  if (hasEnoughHistory) {
-    const cmp = compareSpending(
-      db,
-      lastMonthStart.toISOString().slice(0, 10),
-      lastMonthSameDay.toISOString().slice(0, 10),
-      monthStart.toISOString().slice(0, 10),
-      today
-    );
-
-    if (cmp.period1Total > 0) {
-      const pctStr = cmp.pctChange >= 0 ? `${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: ${formatMoney(totalRemaining / daysLeft)}/day`);
-    }
-  }
-
-  return lines.join("\n");
-}
-
-function buildGoals(db: Database.Database): string | null {
-  const goals = getGoals(db);
-  const active = goals.filter(g => g.progress_pct < 100);
-  if (active.length === 0) return null;
-
-  const lines = active.slice(0, 3).map(g => {
-    let line = `${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: ${lines.join(" | ")}`;
-}
-
-function buildUpcoming(db: Database.Database): string | null {
-  const parts: string[] = [];
-
-  // Recurring bills due in next 7 days
-  const now = new Date();
-  const todayDay = now.getDate();
-  const daysInMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0).getDate();
-  const endDay = todayDay + 7;
-
-  let bills: { name: string; amount: number; day_of_month: number }[] = [];
-  if (endDay <= daysInMonth) {
-    bills = db.prepare(
-      `SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`
-    ).all(todayDay + 1, endDay) as any[];
-  } else {
-    // Wraparound: rest of this month + start of next
-    const thisMonthBills = db.prepare(
-      `SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`
-    ).all(todayDay + 1, daysInMonth) as any[];
-    const nextMonthBills = db.prepare(
-      `SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN 1 AND ?`
-    ).all(endDay - daysInMonth) as any[];
-    bills = [...thisMonthBills, ...nextMonthBills];
-  }
-
-  // Also handle bills on day 31 in shorter months
-  if (daysInMonth < 31) {
-    const endOfMonthBills = db.prepare(
-      `SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month > ? AND day_of_month NOT IN (SELECT day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?)`
-    ).all(daysInMonth, todayDay + 1, Math.min(endDay, daysInMonth)) as any[];
-    // These bills fall on the last day of the month
-    if (daysInMonth >= todayDay + 1 && daysInMonth <= endDay) {
-      bills.push(...endOfMonthBills);
-    }
-  }
-
-  if (bills.length > 0) {
-    const billStrs = bills.slice(0, 5).map(b => {
-      const daysUntil = b.day_of_month > todayDay
-        ? b.day_of_month - todayDay
-        : daysInMonth - todayDay + b.day_of_month;
-      return `${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() as { avg: number };
-
-  const lowAccounts = db.prepare(
-    `SELECT name, current_balance FROM accounts WHERE type = 'depository' AND current_balance < ?`
-  ).all(avgMonthlyExpenses.avg) as { name: string; current_balance: number }[];
-
-  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() as { name: string; current_balance: number; available_balance: number }[];
-
-  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: Database.Database): string | null {
-  const parts: string[] = [];
-
-  // 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() as { name: string; merchant_name: string | null; amount: number; date: string }[];
-
-  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) as { total: number };
-
-    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) as { total: number };
-
-    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: Database.Database): string | null {
-  const txCount = db.prepare(`SELECT COUNT(*) as cnt FROM transactions`).get() as { cnt: number };
-  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: string[] = [];
-
-  // 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(` -${fmtMoney(Math.abs(change))}`);
-  }
-  lines.push(chalk.dim("  net worth") + nwLine);
-  lines.push("");
-
-  // Spending vs last month
-  const monthStart = new Date(now.getFullYear(), now.getMonth(), 1);
-  const today = now.toISOString().slice(0, 10);
-  const thisMonthSpend = db.prepare(
-    `SELECT COALESCE(SUM(amount), 0) as total FROM transactions
-     WHERE amount > 0 AND date BETWEEN ? AND ? AND pending = 0
-     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS')`
-  ).get(monthStart.toISOString().slice(0, 10), today) as { total: number };
-
-  const oldestTx = db.prepare(`SELECT MIN(date) as d FROM transactions`).get() as { d: string | null };
-  const hasHistory = oldestTx.d && (new Date(today).getTime() - new Date(oldestTx.d).getTime()) > 30 * 24 * 60 * 60 * 1000;
-
-  if (hasHistory) {
-    const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1);
-    const lastMonthSameDay = new Date(now.getFullYear(), now.getMonth() - 1, Math.min(dayOfMonth, new Date(now.getFullYear(), now.getMonth(), 0).getDate()));
-    const cmp = compareSpending(
-      db,
-      lastMonthStart.toISOString().slice(0, 10),
-      lastMonthSameDay.toISOString().slice(0, 10),
-      monthStart.toISOString().slice(0, 10),
-      today
-    );
-
-    if (cmp.period1Total > 0) {
-      const diff = cmp.period2Total - cmp.period1Total;
-      const arrow = diff <= 0 ? chalk.green(`${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: { name: string; amount: number; day_of_month: number }[] = [];
-  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) as any[];
-  } else {
-    const a = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN ? AND ?`).all(todayDay + 1, daysInMonth) as any[];
-    const b = db.prepare(`SELECT name, amount, day_of_month FROM recurring_bills WHERE day_of_month BETWEEN 1 AND ?`).all(endDay - daysInMonth) as any[];
-    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: string[] = [];
-    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(`  ·  ${streaks.join("  ·  ")}`);
-    lines.push(scoreLine);
-  }
-
-  return lines.join("\n");
-}
-
-function fmtMoney(n: number): string {
-  return "$" + Math.abs(n).toLocaleString("en-US", { minimumFractionDigits: 0, maximumFractionDigits: 0 });
-}
-
-function miniBar(pct: number): string {
-  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: Database.Database): string | null {
-  const score = getLatestScore(db);
-  if (!score) return null;
-
-  let line = `SCORE: ${score.score}/100`;
-
-  const streaks: string[] = [];
-  if (score.no_restaurant_streak > 0) streaks.push(`${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() as { name: string }[];
-  if (achievements.length > 0) {
-    line += ` | Recent: ${achievements.map(a => a.name).join(", ")}`;
-  }
-
-  return line;
-}

package/src/ai/memory.ts

@@ -1,21 +0,0 @@
-import type Database from "better-sqlite3-multiple-ciphers";
-
-export function getConversationHistory(db: Database.Database, limit = 20): { role: string; content: string; created_at: string }[] {
-  return db.prepare(
-    `SELECT role, content, created_at FROM conversation_history ORDER BY id DESC LIMIT ?`
-  ).all(limit).reverse() as any[];
-}
-
-export function saveMessage(db: Database.Database, role: "user" | "assistant", content: string): void {
-  db.prepare(
-    `INSERT INTO conversation_history (role, content) VALUES (?, ?)`
-  ).run(role, content);
-}
-
-export function getMemories(db: Database.Database): { id: number; content: string; category: string; created_at: string }[] {
-  return db.prepare(`SELECT id, content, category, created_at FROM memories ORDER BY created_at DESC`).all() as any[];
-}
-
-export function saveMemory(db: Database.Database, content: string, category = "general"): void {
-  db.prepare(`INSERT INTO memories (content, category) VALUES (?, ?)`).run(content, category);
-}

package/src/ai/redactor.ts

@@ -1,102 +0,0 @@
-import { config } from "../config.js";
-import { readContext } from "./context.js";
-
-interface RedactionEntry {
-  real: string;
-  token: string;
-}
-
-/**
- * Builds a list of PII terms to redact from outbound API calls.
- * Extracts: user name, family/partner names, employer names from context.
- */
-function buildRedactions(): RedactionEntry[] {
-  const entries: RedactionEntry[] = [];
-  const seen = new Set<string>();
-
-  function add(real: string, token: string) {
-    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: string): string {
-  const redactions = buildRedactions();
-  let result = text;
-  for (const { real, token } of redactions) {
-    result = result.replaceAll(real, token);
-  }
-  return result;
-}
-
-export function unredact(text: string): string {
-  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/src/ai/system-prompt.ts

@@ -1,90 +0,0 @@
-import type Database from "better-sqlite3-multiple-ciphers";
-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: Database.Database): string {
-  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;
-}