Description

Say "Help me manage my finances," and the entire six-stage process will run automatically—from a financial check-up to automatically generating a deliverable planning report. Core functions: ① Intelligent Financial Diagnosis: Calculates surplus rate/reserve funds/financial freedom, automatically determining four modes: emergency/reserve/supplement/normal. ② Four-Account Structure: Salary savings account (deposits only), consumption savings account (empties at the end of the month), reserve savings account (3x protection), investment savings account (automatic fixed investment). ③ Payday Automation: Generates a bank-side operation checklist, ensuring your money goes where it needs to before you even see it. ④ Investment Allocation + Compound Interest Prediction: Three plans: conservative/moderate/aggressive, with an ASCII growth curve timeline. ⑤ Five Red Lines Protection: Automatically blocks investments when reserve funds are insufficient, automatically warns about credit card spending, and automatically dissuades investments before a year is complete. Each table is followed by a "Plain Explanation"—using your real numbers in plain language, without fixed scripts. Supports debt scenarios (even Alipay/credit card debt can be planned), refusal to provide income (automatic estimation), and extremely low monthly income (starting mode), among other edge cases. Based on Dr. Gao Jinggao's methodology of "Making Small Money at Work, Making Big Money with Four Savings Accounts", version 2.0 has been verified through three rounds of Darwin optimizer iterations and scored 93/100.