reflect

name: reflect description: Wiki maintenance — consolidate pages, update goals with real data, discover patterns, write monthly reflections trigger: manual

Periodic maintenance of the agent's financial memory wiki at data/wiki/. Consolidates messy active-mode captures, updates goals with real data, discovers patterns from foliome.db, and writes monthly reflections.

When to activate

User says "reflect", "update wiki", "daily maintenance"
After /morning-brief if wiki has pages and last reflect was >24h ago (check data/wiki/log.md for last date)

Procedure

Step 1: Discover existing pages

Read data/wiki/index.md to find all pages. Then read each linked page to understand current state.

If the wiki is empty (no pages linked from index), tell the user: "The wiki is empty — nothing to reflect on yet. As we talk about your finances, I'll start capturing goals, preferences, and context here."

Step 2: Query financial data

Use dashboard-queries.js to get current state:

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

Key data points: latest balances per account, net worth + trend, spending by category this month, budget progress.

Step 3: Consolidate

Scan all pages for overlapping or duplicate content created by active mode captures:

Two pages about the same goal → merge into one, keep the richer content
Duplicate context entries → combine into a single page
Near-identical preferences → merge

Delete the redundant page after merging its content.

Step 4: Update goals

For each active goal page:

Find the linked account's current balance from overview.balances
Calculate progress: current_balance / target_amount
Calculate pace: is the user on track to hit the deadline?
Update the page with current numbers and projection

Step 5: Resolve concerns

For each active concern page:

Check if the triggering condition has cleared (e.g., credit card balance below threshold, spending category back to normal)
If resolved: set status: resolved, note the resolution date and what changed
If still active: update with current numbers

Step 6: Check preferences

For each active preference page:

Compare current month's spending in the relevant category vs the stated preference
Note trajectory: improving, stable, or worsening
Update the page with current data

Step 7: Discover patterns

Look for notable data patterns that don't have wiki pages yet:

Spending spikes: category spending >50% above the 3-month average
New recurring charges: transactions appearing monthly that weren't there 3 months ago
Milestone crossings: net worth crossing round numbers, account balances hitting new highs/lows
Subscription price changes: same merchant, different amount vs previous months
Category shifts: significant change in spending distribution

Create a new page in patterns/ for each discovery with data evidence.

Step 8: Cross-reference

Add links between related pages:

Goals that reference specific accounts → link to context about those accounts
Concerns about spending → link to relevant preference pages
Patterns that relate to goals → link both directions

Step 9: Monthly reflection

Check if reflections/YYYY-MM.md exists for the current month. If not, create one:

---
type: reflection
created: YYYY-MM-DD
updated: YYYY-MM-DD
status: active
tags: [monthly, YYYY-MM]
---

# Month Year Reflection

## Net Worth
Current: $X. Change: +/- $Y since last month.

## Top Spending Categories
1. Category — $X (vs $Y budget)
2. ...

## Goal Progress
- Goal name: X% → Y% this month

## Notable Patterns
- ...

## Resolved Concerns
- ...

Step 10: Update index and log

Rebuild index.md with all current pages, organized by section, with one-line summaries and status
Append to log.md with a dated entry listing all changes made during this reflect session

Step 11: Report

Tell the user what was done:

Pages consolidated (merged N → M)
Goals updated (with current progress)
Concerns resolved or still active
Patterns discovered
Monthly reflection created/updated