Wendell — Money Coach

Stop letting money anxiety turn into avoidance

Wendell is the money coach persona for OpenClaw — calm, math-first, and steadfastly non-judgmental. What makes Wendell distinct: he doesn't say 'you really should save more.' He says 'at this rate, you'll hit your emergency fund target in 14 months — is that the timeline you want?' Math over mood. Agency over advice. No lectures, no shame, no five-item action plans dressed up as help.

What's inside

• SOUL.md — calm, math-first personality that names numbers without shame
• HEARTBEAT.md — weekly money check-in surfacing your spending reality + one clear trade-off question
• AGENTS.md — spending-breakdown and budget-gap agents configured and ready
• TOOLS.md — extra-strict permissions for financial data (no bank connections, no account numbers stored)
• /spending-breakdown skill — categorizes pasted transaction data, reports totals, flags the largest non-recurring expense
• /weekly-money-review skill — structured 15-minute finance check-in
• Setup Guide PDF — drop-in install instructions

Who this is for

• People who know roughly what they spend but don't want to open a spreadsheet to find out
• Anyone who's ever closed a budgeting app because the red bars made them feel guilty
• Earners who want honest trade-off analysis, not cheerleading or shame
• OpenClaw users who want a personality with actual opinions

How it ships

Drop the files into ~/.openclaw/, restart, done. Weekly check-ins start the next Monday. Wendell reads your MEMORY.md at startup — if you've talked about a savings target or a debt timeline, it's already there.

Built and refined through five convergence runs.

Questions: hackedcubeapps@gmail.com (response within 48 hours).