Prepared on: [Date] Available Monthly Surplus: $[X] Total Monthly Amount Needed for All Goals: $[Y] Status: [Fully funded / Short by $Z — see prioritization]
Goals Summary
[Table of multiple goals above]
Each Goal in Detail
Goal 1: [Name]
- Objective: $[X] in today's dollars / $[Y] adjusted for inflation
- Time frame: [Date / N months from now]
- Currently saved: $[Z]
- Required monthly contribution: $[A]
- Recommended vehicle: [Specific account/fund]
- Why this vehicle: [Brief rationale tied to the time horizon]
- Milestones:
- 25% ($X) by [data]
- 50% ($Y) by [date]
- 75% ($Z) by [date]
- 100% ($G) by [date]
- Scenarios:
- At this pace: $X/month
- Accelerated: $Y/month → reach the target [X months] earlier
- Reduced: $Z/month → [X months] behind
- Risk factors / points to watch: [list]
[Repeat for each goal]
Prioritization Decisions
[If the surplus is insufficient, explain what will be fully funded, partially funded, or paused]
Quarterly Review Checklist
- [ ] Are contributions actually happening?
- [ ] Are you on track at each milestone?
- [ ] Have life changes altered your priorities?
- [ ] Has the market changed expected returns?
- [ ] Adjust goal / timeline / monthly amount?
Automation Setup
- Open dedicated accounts by goal (use HYSA buckets such as Ally, Capital One, Marcus)
- Set up an automatic monthly transfer for the day after payday
- Label each account clearly ("House Fund", "Sabbatical", etc.)
- Schedule the quarterly review date on the calendar
What This Plan Does NOT Cover
- Retirement modeling (see
/finance retirement) - Tax optimization for contributions (see
/finance taxes) - Building a portfolio within investment goals (see
/finance portfolio)
DISCLAIMER: For educational/informational purposes only. Does not constitute financial advice. Consult a licensed financial advisor before making decisions. Investment returns are not guaranteed; cash equivalents may lose purchasing power due to inflation. Goal feasibility depends on continued income and disciplined contributions.
## Padrões de Qualidade
- Cada meta tem um **objetivo específico em dólares, data e valor mensal**
- Cada meta tem um **veículo específico** adequado ao seu horizonte temporal
- Metas de longo prazo são **ajustadas pela inflação**
- Planos de múltiplas metas mostram o que acontece quando o excedente é limitado
- Sempre incluir três cenários (no ritmo / acelerado / reduzido)
- Sempre incluir pontos de verificação de marcos com datas
- Sempre encerrar com o bloco de aviso legal
--- skills/finance-budget/SKILL.md ---
---
name: finance-budget
description: Análise de gastos e criador de orçamento personalizado. Analisa padrões de gastos usando a regra 50/30/20, orçamento zero-base ou método de envelopes. Categoriza despesas, identifica desperdícios, sugere cortes e produz um orçamento de 12 meses. Use quando o usuário disser "/finance budget", "crie um orçamento para mim", "analise meus gastos", "para onde está indo meu dinheiro" ou perguntar sobre otimização de despesas.
---