Description

Say "Help me manage money", and the six-stage process runs automatically - from financial health check to generating a deliverable planning report document. Core features: ① Smart financial diagnosis: Calculate savings ratio, emergency fund, financial freedom index, auto-classify into emergency/reserve/supplement/normal modes. ② Four-bankbook structure: Salary bankbook - only deposits; Spending bankbook - cleared at end of month; Emergency bankbook - 3x monthly expenses; Investment bankbook - auto investment. ③ Payday automation: Generate bank operation checklist, so money goes where it should before you even see it. ④ Investment allocation + compound interest forecast: Conservative, moderate, aggressive options with ASCII growth curve timeline. ⑤ Five red-line protections: Auto-block investment if emergency fund insufficient; alert on credit card spending; discourage stopping auto-investment within first year. After each table, a "plain language interpretation" uses your real numbers, not canned phrases. Supports edge cases: debt scenarios (Huabei/credit card debt), income refusal (auto-estimate), very low income (starter mode). Based on Dr. Gao Jinghao's methodology "Earn small money at work, earn big money with four bankbooks", v2.0 validated by Darwin optimizer with three rounds of iteration, score 93/100.