Handbook
Personal Finance and Financial Resilience Intelligence
Support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries.
Updated
Definition
Support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries.
Coverage role
Money affects housing, food, health, education, work, care, and opportunity across adulthood.
Scope
Included
- cash flow
- balance sheet
- emergency reserves
- debt
- savings goals
- product comparison
- insurance
- retirement and long-term scenarios
- fraud response
Excluded and non-goals
- unauthorized regulated investment advice
- guaranteed returns
- tax or legal representation
- hidden fees or conflicts
- fraud or evasion assistance
Boundary rules
- Route to life.personal-finance-resilience when the requested outcome requires one or more declared capabilities and the output can be represented by its canonical artifacts.
- Route to an adjacent or specialist intelligence when domain-specific rules, tools, or professional authority dominate the problem.
- Use general.reasoning to coordinate multi-pack conflicts, hard constraints, uncertainty, and decision status.
- Return ask, defer, or escalate when required context, source authority, consent, or accountable ownership is missing.
Capability semantics
| Capability ID | Name | Semantic intent |
|---|---|---|
capability.life.personal-finance-resilience.build_financial_picture |
Build Financial Picture | Organize income essential and flexible spending assets debts dependents and irregular costs. |
capability.life.personal-finance-resilience.plan_financial_resilience |
Plan Financial Resilience | Prioritize essentials emergency reserves insurance gaps high-cost debt and contingency. |
capability.life.personal-finance-resilience.manage_debt_payments |
Manage Debt Payments | Model balances rates fees minimums arrears consequences and repayment scenarios. |
capability.life.personal-finance-resilience.plan_goals_savings |
Plan Goals Savings | Translate goals into amount date priority contribution assumptions and review triggers. |
capability.life.personal-finance-resilience.compare_financial_products |
Compare Financial Products | Normalize rates fees terms protection liquidity risk eligibility and conflicts. |
capability.life.personal-finance-resilience.map_insurance_needs |
Map Insurance Needs | Identify exposures existing cover gaps exclusions excess affordability and professional questions. |
capability.life.personal-finance-resilience.model_long_term_scenarios |
Model Long Term Scenarios | Model retirement education housing caregiving and income-shock scenarios. |
capability.life.personal-finance-resilience.respond_to_fraud |
Respond To Fraud | Prioritize account security provider contact evidence reporting monitoring and recovery. |
Canonical artifact concepts
| Artifact type | Structural category | Semantic purpose |
|---|---|---|
artifact.life.personal-finance-resilience.cash_flow_model |
numeric_model | Cash Flow Model for Personal Finance and Financial Resilience Intelligence: A reproducible quantitative model with units, periods, formulas, assumptions, scenarios, reconciliation, and uncertainty. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.personal_balance_sheet |
numeric_model | Personal Balance Sheet for Personal Finance and Financial Resilience Intelligence: A reproducible quantitative model with units, periods, formulas, assumptions, scenarios, reconciliation, and uncertainty. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.resilience_plan |
plan | Resilience Plan for Personal Finance and Financial Resilience Intelligence: A governed action design that sequences work, ownership, dependencies, timing, contingencies, and review. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.debt_schedule |
plan | Debt Schedule for Personal Finance and Financial Resilience Intelligence: A governed action design that sequences work, ownership, dependencies, timing, contingencies, and review. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.financial_goal_plan |
plan | Financial Goal Plan for Personal Finance and Financial Resilience Intelligence: A governed action design that sequences work, ownership, dependencies, timing, contingencies, and review. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.product_comparison |
comparison | Product Comparison for Personal Finance and Financial Resilience Intelligence: A normalized comparison that applies hard constraints before preferences and preserves evidence, uncertainty, dominance, and sensitivity. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.insurance_gap_map |
model | Insurance Gap Map for Personal Finance and Financial Resilience Intelligence: A purpose-bounded representation of entities, relationships, assumptions, boundaries, and evidence of adequacy. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.long_term_scenario |
structured_output | Long Term Scenario for Personal Finance and Financial Resilience Intelligence: A typed domain output that preserves purpose, context, evidence, assumptions, status, and next action. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
artifact.life.personal-finance-resilience.fraud_response_plan |
plan | Fraud Response Plan for Personal Finance and Financial Resilience Intelligence: A governed action design that sequences work, ownership, dependencies, timing, contingencies, and review. It supports the pack purpose of support cash-flow control, goals, debt, savings, product comparison, insurance needs, fraud response, and long-term scenarios with deterministic calculations and regulatory boundaries. |
Method families and limits
| Method ID | Method | Use when | Avoid when |
|---|---|---|---|
method.life.personal-finance-resilience.cash_flow_and_balance_sheet_modeling |
cash-flow and balance-sheet modeling | Use when alternatives or plans depend on transparent monetary flows, units, timing, fees, uncertainty, and scenario assumptions. | Avoid undisclosed rates, fees, taxes, currency conversion, inflation, compounding, or jurisdictional assumptions; do not present scenario outputs as guaranteed outcomes. |
method.life.personal-finance-resilience.contingency_budgeting |
contingency budgeting | Use when alternatives or plans depend on transparent monetary flows, units, timing, fees, uncertainty, and scenario assumptions. | Avoid undisclosed rates, fees, taxes, currency conversion, inflation, compounding, or jurisdictional assumptions; do not present scenario outputs as guaranteed outcomes. |
method.life.personal-finance-resilience.amortization_and_present_value |
amortization and present value | Use when alternatives or plans depend on transparent monetary flows, units, timing, fees, uncertainty, and scenario assumptions. | Avoid undisclosed rates, fees, taxes, currency conversion, inflation, compounding, or jurisdictional assumptions; do not present scenario outputs as guaranteed outcomes. |
method.life.personal-finance-resilience.scenario_analysis |
scenario analysis | Use when material uncertainty cannot be represented credibly by one forecast and a decision must remain acceptable across plausible futures. | Avoid presenting scenarios as predictions, omitting adverse but plausible futures, or choosing a preferred scenario after seeing the result. |
method.life.personal-finance-resilience.total_cost_and_fee_comparison |
total-cost and fee comparison | Use after infeasible alternatives are removed and several legitimate criteria or trade-offs remain. | Do not use before hard constraints are applied or without accountable ownership of criteria, weights, thresholds, and risk appetite. |
method.life.personal-finance-resilience.fraud_response_checklist |
fraud response checklist | Use when potential harm must be detected, prioritized, contained, routed, and recorded without exceeding available authority. | Avoid delaying emergency or safeguarding routes, asking for unnecessary sensitive detail, or giving instructions that increase exposure, destroy evidence, or conflict with official guidance. |
Pack-specific invariants
The pack also inherits the core invariants in core/core_invariants.yaml.
| Invariant ID | Statement | Failure action |
|---|---|---|
invariant.life.personal-finance-resilience.01_calculations_are_deterministic_and_assumptions_visible |
Calculations are deterministic and assumptions visible. | escalate |
invariant.life.personal-finance-resilience.02_dynamic_rates_taxes_benefits_products_and_law_are_verified |
Dynamic rates taxes benefits products and law are verified. | escalate |
invariant.life.personal-finance-resilience.03_risk_capacity_risk_tolerance_and_preference_are_distinct |
Risk capacity risk tolerance and preference are distinct. | escalate |
invariant.life.personal-finance-resilience.04_conflicts_fees_and_uncertainty_are_disclosed |
Conflicts fees and uncertainty are disclosed. | escalate |
Dependencies and relations
Operational general intelligences: None
Foundation concepts: general.probabilistic-statistical, general.decision, general.tool-computational, general.epistemic-evidence, general.metacognitive
Life intelligences: life.work-career-employability, life.consumer-contracts-claims, life.civic-legal-public-services, life.personal-organization-administration
Source roles
| Source ID | Claim roles | Runtime resolution required |
|---|---|---|
oecd.financial_competence |
competence_framework, concept_definition, evaluation_dimension | True |
local.authority |
jurisdiction_rule, runtime_fact, service_or_community_context | True |
Risk and authority boundary
Risk class: critical
- Insolvency foreclosure eviction tax enforcement or legal proceedings.
- Suspected fraud identity theft or unauthorized transactions.
- Investment insurance tax estate or debt decisions requiring licensed advice.
Accountable people retain consent, value, regulated, irreversible, and residual-risk decisions. This semantic page does not claim a deployed implementation.
Maturity
semantic: S3_reviewable_definition
contract: C3_testable_contract
implementation: I0_not_included
evidence: E2_source_roles_mapped
governance: G2_controls_and_review_defined
overlay: O2_paired_seed_complete
Paired overlay
Runtime maturity
- Capabilities: 8
- Technical floor→ceiling:
I1_runtime→I2_integrated - Autonomy floor→ceiling:
A0_assisted→A0_assisted - I1_runtime count: 7
- Evidence class:
contract: 7,semantic: 1 - Full hierarchy: MATURITY-HIERARCHY.md
Evaluation suite status
- CI status:
pass - Suite:
evaluation_suites/personal-finance-resilience.yaml - Cases defined: 7
- Capabilities under test: 8