morning-brief

name: morning-brief description: Daily financial summary — net worth, recent activity, payment due dates, alerts trigger: manual

Morning Brief

When the user says "good morning", "daily summary", "morning brief", or "how are my finances" — generate a personalized financial brief.

The brief serves two purposes:

1. Dashboard Brief tab — structured JSON at data/brief/latest.json, rendered by the React dashboard
2. Telegram summary — shorter conversational version sent directly to the user

Prerequisites

• data/foliome.db must exist. If not: "No financial data found. Run /sync first."
• data/brief/ directory is created automatically if missing.

Data Sources

The brief draws from three sources:

1. Wiki (what matters to the user)

Read the agent's financial memory wiki at data/wiki/:

• Read data/wiki/index.md to discover all active pages
• Read goal pages (data/wiki/goals/) for savings targets, progress, deadlines
• Read preference pages (data/wiki/preferences/) for spending intentions
• Read concern pages (data/wiki/concerns/) for balance worries, spending alerts
• Read context pages (data/wiki/context/) for life events, pay schedule

If the wiki is empty (no pages in index), generate a data-only brief — no warning banner needed. An empty wiki just means the agent hasn't captured any context yet.

2. foliome.db (what happened)

Use dashboard-queries.js functions via Node.js:

const { getOverview, getTransactions, getSpending, getBudgets } = require('./scripts/dashboard-queries.js');
const overview = getOverview();
const txns = getTransactions(undefined, { from: sevenDaysAgo, limit: 20 });
const spending = getSpending(undefined, { from: monthStart });
const budgets = getBudgets();

Key data points:

• Net worth — overview.netWorth, trend from overview.netWorthTrend
• Balances — latest per account from overview.balances
• Recent transactions — last 7 days
• Spending by category — current month
• Budget progress — from budgets.categories (spent vs budget per category)
• Payment alerts — from overview.alerts (credit cards due soon)
• Sync status — from overview.syncStatus

3. config/ (what's set)

• config/budgets.json — monthly budget limits per category (already included in getBudgets())
• config/payment-schedule.json — credit card due dates (already included in getOverview())

Brief Composition

Greeting

Do not guess the day of the week. Compute it programmatically:

const now = new Date();
const greeting = now.toLocaleDateString('en-US', { weekday: 'long', month: 'long', day: 'numeric' });
// e.g. "Saturday, April 11"

Use this computed value for the greeting field. LLMs are unreliable at day-of-week calculations.

Headline

{
  "netWorth": 142350.00,
  "delta": 1230.00,
  "deltaPeriod": "since last week",
  "sparkline": [138200, 139100, 140500, 141120, 142350],
  "summary": "3 transactions yesterday, $47 spent."
}

• netWorth: from overview.netWorth
• delta: compare to previous brief's headline.netWorth (read data/brief/latest.json before overwriting). If no previous brief, use month-over-month from netWorthTrend.
• sparkline: last 5 values from netWorthTrend
• summary: count recent transactions, total spending. One sentence.

Sections

Include sections based on available data and memories. Order by relevance:

1. goal_progress — if wiki has active goal pages. Show savings account balance vs target, pace projection.
2. budget_pulse — for each budget category, especially those the user cares about (from wiki preference pages). Include spent, budget, progress (0-1), pace ("on_track", "above", "over").
3. recent_activity — notable transactions from last 24-48 hours. Not all — just what's worth mentioning.
4. upcoming — payments due in the next 7 days from overview.alerts. Include payments array.
5. concern — if wiki has active concern pages and the relevant account balance triggers it.
6. portfolio — if investment accounts exist, top-level value change.
7. account_health — sync freshness, any warnings.
8. insight — any pattern the agent notices (unusual spending, recurring charge changes, etc.)

Prose Style

• Trajectory, not snapshots: "Up $1,230 since last week" not "Net worth is $142,350"
• Comparisons create meaning: "$80 more than usual by this point in the month"
• Quiet days reframe as positive: "Nothing unusual. Spending is tracking below average."
• Short, direct sentences. Financial newsletter tone. No emojis.

Output

Step 1: Write Brief JSON

Write to data/brief/latest.json atomically:

const fs = require('fs');
const path = require('path');

const briefDir = path.join(__dirname, 'data', 'brief');
fs.mkdirSync(briefDir, { recursive: true });

const brief = { generatedAt, greeting, headline, sections };

// Atomic write: temp file → rename
const tmpPath = path.join(briefDir, '.latest.tmp');
fs.writeFileSync(tmpPath, JSON.stringify(brief, null, 2));
fs.renameSync(tmpPath, path.join(briefDir, 'latest.json'));

Also save a dated copy: data/brief/YYYY-MM-DD.json.

Step 2: Respond to User

Send a conversational summary to the user (Telegram or CLI). This is shorter than the JSON — just the highlights.

If running as a Telegram agent, also present the dashboard as a Mini App button so the user can tap to see the full Brief tab:

node scripts/telegram-notify.js --dashboard "<chatId>" "Your brief is ready. Tap to see the full view." "<tunnel-url>"

Use the chatId from the inbound Telegram message and the active cloudflared tunnel URL. Do NOT send the dashboard URL as a plain text link — it won't work without Mini App initData.

Conversational summary example:

Good morning. Here's your snapshot for April 7.

Net worth: $142,350 (+$1,230 since last week)

Restaurants at $620, 78% of your $800 budget with 8 days left.
Chase Sapphire due in 4 days — balance: $672.

3 transactions yesterday totaling $47. Nothing unusual.

Data Staleness

After querying, check staleness for each institution:

• 24-48h old: note age, suggest /sync

• 48h old: prominent warning in both the JSON and the message

• Never refuse to generate. Always show data with appropriate warnings.

Example Brief JSON (Empty Wiki)

When the wiki has no pages, the brief is data-only:

{
  "generatedAt": "2026-04-07T08:00:00Z",
  "greeting": "Monday, April 7",
  "headline": {
    "netWorth": 142350.00,
    "delta": 1230.00,
    "deltaPeriod": "since last week",
    "sparkline": [138200, 139100, 140500, 141120, 142350],
    "summary": "3 transactions yesterday, $47 spent."
  },
  "sections": [
    {
      "type": "budget_pulse",
      "title": "Restaurants",
      "body": "Restaurants at $620, 78% of your $800 budget with 8 days left. Tracking above pace.",
      "category": "Restaurants",
      "spent": 620,
      "budget": 800,
      "progress": 0.78,
      "pace": "above"
    },
    {
      "type": "recent_activity",
      "title": "Since Yesterday",
      "body": "3 transactions totaling $47.57. Whole Foods $28.50, Spotify $10.99, parking $8.08."
    },
    {
      "type": "upcoming",
      "title": "Coming Up",
      "body": "Chase Sapphire due in 4 days. Current balance: $671.99.",
      "payments": [
        { "account_id": "chase-sapphire", "account_name": "Chase Sapphire", "balance": -671.99, "days_until": 4 }
      ]
    },
    {
      "type": "account_health",
      "title": "Accounts",
      "body": "All 9 institutions synced within the last 24 hours."
    }
  ]
}

Example Brief JSON (With Wiki Pages)

When the wiki has goals and preferences:

{
  "generatedAt": "2026-04-07T08:00:00Z",
  "greeting": "Monday, April 7",
  "headline": {
    "netWorth": 142350.00,
    "delta": 1230.00,
    "deltaPeriod": "since last week",
    "sparkline": [138200, 139100, 140500, 141120, 142350],
    "summary": "Your third week of growth. 3 transactions yesterday."
  },
  "sections": [
    {
      "type": "goal_progress",
      "title": "House Fund",
      "body": "Your Chase savings is at $42,300 — 53% to your $80k target. At this pace, you'll hit it by November 2027.",
      "progress": 0.53,
      "account": "chase-savings"
    },
    {
      "type": "budget_pulse",
      "title": "Restaurants",
      "body": "Restaurants at $620, 78% of your $800 budget with 8 days left. You mentioned wanting to cut back — this month is tracking above your usual pace.",
      "category": "Restaurants",
      "spent": 620,
      "budget": 800,
      "progress": 0.78,
      "pace": "above"
    },
    {
      "type": "recent_activity",
      "title": "Since Yesterday",
      "body": "3 transactions totaling $47.57. Nothing unusual."
    },
    {
      "type": "upcoming",
      "title": "Coming Up",
      "body": "Chase Sapphire due in 4 days. Current balance: $671.99.",
      "payments": [
        { "account_id": "chase-sapphire", "account_name": "Chase Sapphire", "balance": -671.99, "days_until": 4 }
      ]
    },
    {
      "type": "concern",
      "title": "Credit Card Balance",
      "body": "Your Sapphire balance is $1,247 — above the $1,000 comfort level you mentioned."
    },
    {
      "type": "account_health",
      "title": "Accounts",
      "body": "All institutions synced. Capital One was 26 hours ago — still fresh."
    }
  ]
}

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