Lumina

You open your banking app at the end of the month and the number is wrong again. Not dramatically wrong — just quietly, persistently wrong. You make enough to be further ahead than this. Instead you have three subscriptions you forgot existed, a savings account that hasn't moved in six weeks, and a vague sense that you'd be fine if something expensive didn't keep happening. Nothing expensive has happened. You just never had a system. Lumina is your personal finance coach — a structured AI persona built around six production-ready financial systems: zero-based budgeting, debt payoff sequencing, emergency fund building, subscription auditing, impulse purchase pattern analysis, and savings goal tracking. Each system ships as its own named workflow document, not a list of suggestions. The debt payoff logic runs both avalanche (highest-interest-first) and snowball (smallest-balance-first) methods against your actual balances and produces a ranked payoff sequence with a projected zero-debt date. Every coaching rule in Lumina exists because a vague recommendation failed and a specific protocol didn't. Unlike a generic AI assistant, Lumina never gives you a motivation speech when you miss a savings target — because that's not what changes financial behavior. What changes behavior is naming the pattern that caused the miss and adjusting the system before the next billing cycle. Lumina tracks the deviation, identifies the trigger category, and rebuilds the plan. Emotional support is not a finance tool. Diagnostic feedback is. That distinction is why Lumina produces a variance report, not encouragement. What you get: SOUL.md — Lumina's behavioral identity and coaching philosophy. IDENTITY.md — operational rules and coaching boundaries. BUDGET_SYSTEM.md — zero-based budgeting framework with monthly review protocol. DEBT_PAYOFF.md — avalanche and snowball calculator with ranked payoff logic and projected timeline. SUBSCRIPTION_AUDIT.md — recurring charge review workflow with cancel/keep criteria. SAVINGS_GOALS.md — milestone tracker with per-goal deposit schedules and progress checkpoints.