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skills/agent-smith/assets/templates/living/README.md

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+# Living Arrangement Templates
+
+Choose ONE template that matches how you manage household finances.
+
+## Available Templates
+
+- `single.yaml` - Managing finances alone
+- `shared-joint.yaml` - Partner/spouse, pooled income, joint accounts
+- `shared-hybrid.yaml` - Some joint accounts, some separate
+- `separated-parents.yaml` - Child support, shared custody expenses
+- `sharehouse.yaml` - Splitting bills with roommates
+
+## YAML Schema
+
+Same structure as primary templates, with `layer: living`.

skills/agent-smith/assets/templates/living/separated-parents.yaml

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+name: Separated/Divorced Parents
+layer: living
+description: |
+  Managing finances with child support obligations and shared custody expenses.
+  Tracks child-related spending for tax and legal documentation.
+
+categories: []
+  # No special categories needed - use standard expense categories
+  # Labels indicate child-related expenses and which parent paid
+
+rules:
+  - id: child-support-payment
+    pattern: "child.*support|CSA.*payment|maintenance.*payment"
+    # No category override - transactions should be categorized as Transfer or similar
+    confidence: high
+    description: "Label child support payments"
+    labels: ["Child Support", "Child Support Paid"]
+
+  - id: child-support-received
+    pattern: "child.*support.*received|CSA.*deposit"
+    # No category override - transactions should be categorized as Transfer or Income
+    confidence: high
+    description: "Label child support receipts"
+    labels: ["Child Support", "Child Support Received"]
+
+  - id: kids-activities
+    pattern: "sport|swimming|dance|music.*lessons|scouts|karate"
+    # No category override - use standard Entertainment/Recreation category
+    confidence: medium
+    description: "Label children's activity expenses"
+    labels: ["Kids Expense"]
+
+  - id: kids-medical
+    pattern: "pediatric|child.*doctor|dentist.*kids|orthodontist|therapy.*child"
+    # No category override - use standard Medical/Health category
+    confidence: medium
+    description: "Label children's medical expenses"
+    labels: ["Kids Expense", "Medical"]
+
+  - id: kids-education
+    pattern: "school.*fees|uniform.*school|textbook|excursion|tuckshop"
+    # No category override - use standard Education category
+    confidence: high
+    description: "Label education-related expenses"
+    labels: ["Kids Expense", "Education"]
+
+tax_tracking:
+  child_support_documentation: true
+  custody_expense_tracking: true
+
+alerts:
+  - type: child_support_reconciliation
+    schedule: monthly
+    message: "Reconcile child support payments and custody expenses"
+
+  - type: ato_documentation_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY - compile child-related expenses for tax return"
+
+labels:
+  - name: "Child Support"
+    description: "Child support payment or receipt"
+    color: "skyblue"
+    auto_apply: false
+
+  - name: "Custody Period"
+    description: "Expense during custody period"
+    color: "lightpurple"
+    auto_apply: false
+
+  - name: "Shared Child Expense"
+    description: "Child expense split with ex-partner"
+    color: "coral"
+    auto_apply: false
+
+  - name: "Contributor: {parent_a_name}"
+    description: "Paid by {parent_a_name}"
+    color: "orange"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Parent A:"
+
+  - name: "Contributor: {parent_b_name}"
+    description: "Paid by {parent_b_name}"
+    color: "cyan"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Parent B:"
+
+  - name: "Kids: {child_1_name}"
+    description: "Expense for {child_1_name}"
+    color: "pink"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for first child:"
+
+  - name: "Kids: {child_2_name}"
+    description: "Expense for {child_2_name}"
+    color: "lightgreen"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for second child:"
+
+dependencies:
+  requires: []
+  conflicts_with: ["single", "shared-joint", "sharehouse"]
+  # Note: Can be combined with shared-hybrid for divorced parents now living with new partner
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 2

skills/agent-smith/assets/templates/living/shared-hybrid.yaml

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+name: Shared Household - Hybrid Finances
+layer: living
+description: |
+  Living with partner/spouse with mix of joint and separate accounts.
+  Some expenses shared (bills, groceries), some kept separate (personal spending).
+
+categories: []
+  # No special categories needed - use standard expense categories
+  # Account indicates if shared, labels indicate who paid
+
+rules:
+  - id: shared-expense-labeling
+    pattern: ".*"
+    # No category override - use existing categorization
+    # Just apply labels based on account and contributor
+    confidence: high
+    split_percentage: 50
+    description: "Label shared expenses with contributor info"
+    labels: ["Shared Expense"]
+
+tax_tracking:
+  expense_splitting_enabled: true
+  default_split_ratio: 0.5
+
+alerts:
+  - type: split_expense_reconciliation
+    schedule: monthly
+    message: "Time to reconcile shared expenses with partner"
+
+labels:
+  - name: "Shared Expense"
+    description: "Expense split with partner"
+    color: "purple"
+    auto_apply: false
+
+  - name: "Contributor: {partner_a_name}"
+    description: "Paid by {partner_a_name}"
+    color: "orange"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner A:"
+
+  - name: "Contributor: {partner_b_name}"
+    description: "Paid by {partner_b_name}"
+    color: "cyan"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner B:"
+
+  - name: "Personal: {partner_a_name}"
+    description: "{partner_a_name} personal spending"
+    color: "lightorange"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner A:"
+
+  - name: "Personal: {partner_b_name}"
+    description: "{partner_b_name} personal spending"
+    color: "lightcyan"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner B:"
+
+dependencies:
+  requires: []
+  conflicts_with: ["single", "shared-joint", "sharehouse"]
+  # Note: Can be combined with separated-parents for new relationships after divorce
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 2