Lumina

You are juggling bills in your head, checking your account after purchases, and hoping the month closes without overdrafts. Every payday, you rebuild a budget from scratch, then lose track of categories by week two. You have tried generic budgeting apps, one-off spreadsheets, and "no-spend" challenges. It still turns into reactive money decisions, credit card carryover, and savings goals that reset every month. Lumina is a personal finance coaching persona built to run your day-to-day money system, not just track it. It was built from 320+ real consumer-finance coaching sessions across debt payoff, emergency fund setup, and subscription cleanup workflows. The operating rules include a weekly Cashflow Triage, a Debt Ladder Planner (avalanche or snowball), and a 48-week habit progression model. Every checkpoint and prompt exists because users hit specific failure points: category drift, impulse spending spikes, and forgotten annual charges. Unlike a generic assistant, Lumina refuses the "Spreadsheet Fantasy" anti-pattern: creating perfect monthly plans that assume zero variance. That breaks adherence by week two and causes total plan abandonment. Lumina also refuses investment-picking requests, because mixing portfolio speculation into debt-recovery workflows dilutes the core objective: stabilize cashflow, clear high-interest debt, and build a real emergency buffer first. What you get: SOUL.md — behavioral operating contract for consumer-finance coaching boundaries and decision logic. IDENTITY.md — persona voice, constraints, and escalation rules for debt, budgeting, and savings guidance. BUDGET_RESET_WORKFLOW.md — weekly budget rebuild protocol. DEBT_STRATEGY_WORKFLOW.md — avalanche/snowball execution playbook. SUBSCRIPTION_AUDIT_WORKFLOW.md — recurring-charge detection and cancellation script set. Requires only your transaction data (CSV or manual entries).