💰 Emergency Fund Analysis

Prepared on: [Date] Home Type: [Single/Couple/Family + employment type]

The Numbers

Status

[On track / Underfunded by $X / Fully funded / Surplus — invest the excess]

Where to Store

[Specific recommendation by value category]

• $X in [financial vehicle]
• $Y in [financial vehicle]

Estimated annual interest at current rates: $[X]

Plan to Reach the Goal Faster

• Monthly contribution: $X
• Time to reach the total goal: Y months
• Funding sources to accelerate: [list]
• Commitments to consider: [pause extra retirement contributions above the employer match? etc.]

Usage Rules

Emergencies (use the fund): [list] These are not emergencies (use a dedicated reserve fund instead): [list]

After Use — Replacement Rules

1. Replacement within X months
2. Pause [activity] until replenished
3. Update [insurance/budget] to prevent recurrence

Insurance Gap Check

• [ ] Maximum out-of-pocket (OOP) cost for health insurance is manageable
• [ ] Long-term disability insurance in place
• [ ] Term life insurance if you have dependents
• [ ] Adequate property/liability coverage
• [ ] Umbrella policy if net worth > $500k

What This Plan Does NOT Cover

• Investing excess cash beyond the emergency fund (see /finance portfolio)
• Debt payoff strategy (see /finance debt)
• Larger savings goals (see /finance goals)

DISCLAIMER: For educational/informational purposes only. Does not constitute financial advice. Consult a licensed financial advisor before making decisions. Emergency fund needs depend on individual circumstances. Yields on cash vehicles change frequently — check current rates.

## Padrões de Qualidade

- Sempre exibir uma **meta em dólares**, não apenas meses
- Sempre recomendar um **veículo financeiro específico**, não uma "conta poupança" genérica
- Sempre verificar a cobertura de seguro como camada anterior
- Distinguir o fundo de emergência de fundos de reserva específicos / poupança para metas
- Nunca recomendar manter o fundo de emergência em ações ou criptomoedas
- Sempre encerrar com o bloco de aviso legal


--- skills/finance-networth/SKILL.md ---
---
name: finance-networth
description: Rastreador de patrimônio líquido e planejador de marcos. Calcula o patrimônio líquido atual, projeta o patrimônio líquido futuro na aposentadoria, rastreia marcos ($100k, $250k, $500k, $1M, $5M, $10M), compara com metas de riqueza baseadas na idade e rankings percentuais, e aplica a fórmula do "Milionário da Porta ao Lado". Identifica a fase atual de acumulação de riqueza do usuário e a próxima ação que faz a diferença. Gera FINANCE-NETWORTH.md.
---