What problem does it solve? Viral "quit your 9-5" prompts produce fantasy timelines that ignore household finances, local tax and pension rules, and the risk of losing your job. This Skill turns those prompts into realistic, scenario-banded plans grounded in your actual balance sheet, country-specific safety nets, and audited financial data. ## Core Features & Use Cases - Three planning models: income-replacement (side income to cover essentials), capital/early-retirement (full FI, Coast-FI, Barista-FI), or a blend — matched to your actual destination. - Data-quality audit as a hard gate: before any number is used, uploaded bank/card/pension exports are checked for mislabeled categories, transfers tagged as spending, missing months, and duplicates. - Localization and stress tests: applies country-specific tax, severance (e.g. Israel Section 14), pension and safety-net rules, then stress-tests against AI job displacement and macro shocks (war, reserve duty, currency). - Use Case: A 47-year-old facing a layoff uploads a bank export and asks "can we retire at 55?" The skill audits the export, maps net worth across liquid/locked/real-estate pots, and returns a one-page snapshot PDF plus a plan showing Barista-FI at 55 and full FI at 58-60. ## Quick Start Ask your assistant "map where we stand" or "can I retire early at 55?" and upload any bank or pension export you have.
