Weekly Pulse — Financial Narrative Generator

Generate a personalized financial narrative that transforms raw numbers into a meaningful story about the user's financial life.

Core Philosophy

Numbers are forgettable. Stories stick. This skill turns financial data into a narrative the user actually wants to read — one that connects every dollar to the life they're building.

Never produce a table-of-numbers dump. Every metric must be tied to a goal, a feeling, or an action.

Required Input

Gather what's available (not all required — work with what you have):

• Current portfolio values (by account and total)
• Recent transactions or spending summary
• Any trades executed this week
• Income received
• Market movements affecting holdings
• Changes since last pulse (if prior pulse exists)
• User's stated goals/Freedom Number (if established)

If this is the first pulse, ask for baseline data. If recurring, reference prior state.

Narrative Structure

Opening: The Headline

One sentence that captures the most important thing that happened.

Examples:

• "Your net worth crossed $250K this week — a milestone you set 18 months ago."
• "A quiet week financially, but your compound machine added $340 in tax-free growth."
• "VIX spiked to 26 — your macro radar flagged it, and here's what to watch."

Section 1: Freedom Progress

If the user has a Freedom Number established:

FREEDOM PROGRESS: XX.X% → XX.X% (+X.X%)
[Visual progress bar]
Passive income: $X,XXX/mo of $X,XXX/mo target
At current pace: X.X years to freedom
This week's contribution to freedom: $X,XXX

If no Freedom Number, suggest establishing one (hook to freedom-number skill).

Section 2: The Story of Your Money This Week

Write 2-3 paragraphs in natural language. Cover:

• Net worth change (decomposed: savings vs. market appreciation vs. other)
• Notable trades and their strategic rationale
• Tax events (harvests, conversions, bracket implications)
• Spending patterns worth noting (not to shame — to inform)
• Any wealth leaks plugged or identified

Example narrative tone: "Your portfolio gained $3,200 this week, but the story isn't the market's 2% rally — it's the tax-loss harvest you executed on Tuesday. By swapping FUBO for VGT, you preserved $1,847 in tax deductions while maintaining identical tech exposure. That single move saves you $462 at your 25% marginal rate. The market gave you $3,200 in paper gains; you created $462 in real, permanent tax savings."

Section 3: Scorecard

Quick-hit metrics in a compact format:

THIS WEEK'S SCORECARD
─────────────────────
Net Worth:      $XXX,XXX  (▲ $X,XXX / +X.X%)
Savings Rate:   XX%       (target: XX%)
Tax Alpha YTD:  $X,XXX    (losses harvested + Roth conversions + optimizations)
Portfolio Risk:  X.X/10   (concentration score)
Cash Reserve:   XX%       (target: 20-30%)
Wealth Leaks:   $XXX/mo   (X items detected)

Section 4: Actions Taken & Impact

List every financial action from the week with its projected long-term impact:

ACTIONS THIS WEEK
1. [Action] — Impact: [Projected long-term value]
2. [Action] — Impact: [Projected long-term value]
Total value created this week: $X,XXX (immediate) + $XX,XXX (projected 20yr)

Section 5: What's Coming

Look ahead 1-2 weeks:

• Upcoming RSU vests or option expiry
• Tax deadlines approaching
• Rebalancing triggers approaching
• Market events to watch (earnings, Fed meetings)
• Recurring contribution dates
• Any action items from prior pulses still pending

Section 6: Micro-Lesson (The Weekly Insight)

End with one short (3-5 sentence) financial concept that's relevant to something that happened this week. Teach by connecting to the user's real experience.

Example: "This week's insight: Asset location vs. asset allocation. You trimmed PLTR in your Roth IRA — zero tax. If that same trim happened in your taxable account, you'd owe $1,100 in capital gains tax. Same portfolio change, different account = $1,100 difference. This is why WHERE you hold matters as much as WHAT you hold."

Tone Guidelines

• Warm but substantive — like a smart friend who happens to be a financial advisor
• Celebrate progress without being patronizing
• Frame setbacks as information, not failures
• Use concrete numbers, not vague encouragement
• Connect every metric to the user's stated life goals
• End on a forward-looking, energizing note

Scheduling

If the user wants recurring pulses:

• Suggest: Sunday evening (prep for the week) or Monday morning (start the week informed)
• Can also do monthly deep-dive versions with more analysis
• Hook to scheduled tasks if available

Profile Integration

Before starting analysis, check for the user's financial profile:

1. Read profile/financial-identity.md for identity context (name, age for tone-setting)
2. Read profile/holdings.md for current portfolio values
3. Read profile/goals.md for Freedom Number and stated goals (for progress narrative)
4. Read profile/history.md for prior pulses and historical context

If profile exists:

• Reference prior week's pulse to show week-over-week changes
• Use Freedom Number to contextualize progress
• Compare to stated goals for relevance
• Build narrative arc by showing progress over time

If this is the first pulse and profile exists:

• Use baseline data from profile to establish starting point
• Set baseline comparisons for future pulses

If profile doesn't exist, proceed normally and offer to save:

• Portfolio snapshot and baseline net worth
• Freedom Number target (if user establishes one)
• Weekly pulse going forward to track progress

After generating the pulse, append a summary to profile/history.md:

## [Date] — Weekly Pulse
- **Action**: [Routine pulse / Response to specific event]
- **Key findings**: [Net worth change, major trades or tax events, freedom progress]
- **Recommendations**: [Next focus area, upcoming action items, milestones]

Important Notes

• Disclaimer: "This is analytical commentary, not financial advice. Verify all figures independently."
• Never present projected returns as guaranteed outcomes
• Always distinguish between realized gains/losses and unrealized changes

Output Format

Deliver as clean markdown text in conversation. If the user wants a file, generate as .md.

After generating the pulse, offer: "Want a Pulse Card for this week? Shows your progress streak without personal details."

Always end with: "Want to drill into any section? Or run a full portfolio health check?"