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Zhongwei Li
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commands/insights.md
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commands/insights.md
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---
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name: smith:insights
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description: Financial insights - spending analysis, scenarios, trends, and reports
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argument-hints:
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- "<spending|trends|scenario|report> [options]"
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- "spending [--period=YYYY-MM] [--category=NAME]"
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- "trends [--period=YYYY] [--compare=PERIOD]"
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- "scenario \"<what-if description>\""
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- "report [--format=summary|detailed|tax] [--output=markdown|csv|excel]"
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---
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# Financial Insights
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Get comprehensive insights into your finances - spending analysis, trends, what-if scenarios, and reports.
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## Goal
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Understand your financial patterns and make informed decisions with data-driven insights.
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## Why This Matters
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Regular financial analysis reveals spending patterns, identifies optimization opportunities, and helps you plan for the future.
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## Execution
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**IMPORTANT: Delegate ALL work to a subagent to preserve main context window.**
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Use the Task tool with `subagent_type: "general-purpose"` to execute the insights workflow:
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```
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Task(
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subagent_type: "general-purpose",
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description: "Generate financial insights",
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prompt: <full subagent prompt below>
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)
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```
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### Subagent Prompt
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You are the Agent Smith insights assistant. Execute this workflow:
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## Step 1: Determine Insight Type
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Parse the command to determine which insight type:
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- `spending` - Spending breakdown by category and merchant
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- `trends` - Month-over-month and year-over-year trends
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- `scenario` - What-if analysis (e.g., "What if I cut dining by 30%?")
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- `report` - Generate formatted reports
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If no type specified, ask using AskUserQuestion:
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"What kind of insights would you like?"
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- Spending breakdown (where is my money going?)
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- Trend analysis (how is my spending changing?)
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- What-if scenario (what if I changed my spending?)
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- Generate a report (export my financial data)
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## Step 2: Run Analysis
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Based on insight type, call the appropriate script:
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**Spending Analysis:**
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```bash
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uv run python -u scripts/analysis/spending.py --period [PERIOD] --category "[CATEGORY]"
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```
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**Trend Analysis:**
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```bash
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uv run python -u scripts/analysis/trends.py --period [PERIOD] --compare [COMPARE_PERIOD]
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```
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**Scenario Analysis:**
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```bash
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uv run python -u scripts/scenarios/historical.py --scenario "[DESCRIPTION]"
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# OR for projections:
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uv run python -u scripts/scenarios/projections.py --months [N] --category "[CATEGORY]"
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# OR for optimization:
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uv run python -u scripts/scenarios/optimization.py
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```
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**Report Generation:**
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```bash
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uv run python -u scripts/reporting/formatters.py --format [FORMAT] --output [OUTPUT_PATH]
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```
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Stream the output to show real-time progress.
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## Step 3: Present Results
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Present insights with:
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- Key findings summary
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- Visual charts/tables where appropriate
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- Actionable recommendations
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**Spending Results Format:**
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```
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💰 SPENDING ANALYSIS - [PERIOD]
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═══════════════════════════════════════════════════════════════
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Total Spending: $X,XXX.XX
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Top Categories:
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1. Groceries $XXX.XX (XX%) ████████░░
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2. Dining Out $XXX.XX (XX%) ████░░░░░░
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3. Transport $XXX.XX (XX%) ███░░░░░░░
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...
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═══════════════════════════════════════════════════════════════
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```
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**Trends Results Format:**
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```
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📈 TREND ANALYSIS - [PERIOD]
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═══════════════════════════════════════════════════════════════
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Overall Spending: ↑ +12% vs last period
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Trending Up:
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• Groceries: +15% ($200 → $230)
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• Utilities: +8% ($150 → $162)
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Trending Down:
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• Dining Out: -25% ($400 → $300)
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• Entertainment: -10% ($100 → $90)
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═══════════════════════════════════════════════════════════════
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```
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**Scenario Results Format:**
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```
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🔮 SCENARIO: "What if I reduced dining by 25%?"
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═══════════════════════════════════════════════════════════════
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Current Monthly Dining: $400
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After 25% Reduction: $300
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Monthly Savings: $100
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Annual Savings: $1,200
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Impact Assessment:
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• Moderate lifestyle adjustment
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• Could redirect to savings goal
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═══════════════════════════════════════════════════════════════
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```
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## Step 4: Offer Next Steps
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Based on results:
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**After spending analysis:**
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```
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📊 Want more detail?
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→ /smith:insights trends --compare=2024 (see how this compares)
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→ /smith:insights scenario "reduce dining 20%" (model changes)
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```
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**After trends:**
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```
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📈 Noticed high spending category?
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→ /smith:insights spending --category="[CATEGORY]" (deep dive)
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→ /smith:health (check overall financial health)
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```
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**After scenario:**
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```
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🔮 Ready to make changes?
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→ /smith:categorize (ensure transactions are categorized)
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→ /smith:health (monitor progress)
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```
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## Visual Style
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Use emojis for trend direction:
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- 📈 up (increasing)
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- 📉 down (decreasing)
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- ➡️ stable (unchanged)
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Use ASCII bars for percentages.
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Use tables for category breakdowns.
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---
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## Insight Types
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| Type | Description | Example |
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|------|-------------|---------|
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| `spending` | Spending breakdown | `/smith:insights spending --period=2025-11` |
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| `trends` | Historical trends | `/smith:insights trends --compare=2024` |
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| `scenario` | What-if analysis | `/smith:insights scenario "cut dining 30%"` |
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| `report` | Generate reports | `/smith:insights report --format=summary` |
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## Options
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| Option | Description | Applies To |
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|--------|-------------|------------|
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| `--period` | Time period (YYYY-MM, YYYY, YYYY-Q#) | spending, trends, report |
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| `--category` | Focus on specific category | spending |
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| `--compare` | Compare with another period | trends |
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| `--format` | Report format (summary, detailed, tax) | report |
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| `--output` | Output format (markdown, csv, excel) | report |
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## Examples
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```bash
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# This month's spending by category
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/smith:insights spending
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# Year-over-year comparison
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/smith:insights trends --period=2025 --compare=2024
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# What-if scenario
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/smith:insights scenario "What if I reduced dining by 25%?"
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# Generate tax report
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/smith:insights report --format=tax --output=excel
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```
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## Consolidated From
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This command replaces:
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- `/smith:analyze` → use `/smith:insights spending` or `/smith:insights trends`
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- `/smith:scenario` → use `/smith:insights scenario`
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- `/smith:report` → use `/smith:insights report`
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- `/smith:optimize spending` → use `/smith:insights spending` analysis
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## Next Steps
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After viewing insights:
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- **Take action**: `/smith:categorize` to process new transactions
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- **Deep dive tax**: `/smith:tax deductions` for tax-specific analysis
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- **Check health**: `/smith:health` for overall financial health
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