AI Agent Workflow Collection

Screen for unclaimed safety-net benefits (EITC, SNAP, LIHEAP, WIC, Medicaid) using the user's Cashflow data, then generate a prep packet for a free Community Action Agency appointment. Triggered by "am I missing any benefits", "do I qualify for SNAP", "food stamps", "EITC", "help with bills", "help with rent", "I can't afford", "money is tight", "community action", "211", "free tax prep", "VITA". Use this skill whenever the user mentions financial hardship, asks about any government assistance program, mentions struggling to make ends meet, OR — when invoked from a recap/check-in — when their data shows likely eligibility (income under ~200% FPL, heavy debt service, utility-bill stress). Don't wait for the user to know the right name for the program — surface it when the data calls for it.

Calculate total recurring financial obligations, break them down by category, and flag changes. Triggered by "burn rate", "monthly burn", "recurring bills", "subscriptions", "what do I pay for", "fixed costs", "how much are my bills", "monthly obligations", "what are my recurring charges". Use this skill whenever the user asks about their recurring spending, fixed costs, or wants to understand their baseline monthly obligations.

Help the user set up or review an envelope budgeting system — physically separating non-discretionary bills from discretionary spending money so the bills are always covered and the rest is guilt-free. Use this skill whenever the user asks about envelope budgeting, paycheck splitting, automating bill payments, separating bills from spending, structuring multiple accounts, setting up a "bill pay" or "fixed costs" account, "what should I move to my bill account each paycheck", "how do I make sure my rent is covered", "how much can I actually spend", or references Ramit Sethi's Conscious Spending Plan or any three-bucket framework. Trigger even when the user doesn't know the term "enveloping" — phrases like "I keep accidentally spending my rent money", "I want to know what's safe to spend without worrying", "I want my bills to come out of a different account", or "I want to pay myself first" all mean this skill.

Comprehensive audit of money leaving the user's accounts in ways they're likely not tracking — subscriptions (active, zombie, price-creeped, free-trial converts), fees (overdraft, NSF, ATM, foreign-transaction, late, account, wire), interest charges and finance fees, predatory products (EWA, payday, BNPL stacking), gambling deposits with escalation patterns, and unintended leaks like duplicate charges and billing errors. Triggered by "where am I leaking money", "audit my subscriptions", "find hidden charges", "anything fishy", "what am I paying for", "check for duplicates", "fees", "interest", "subscriptions", "where's my money going wrong", "bank fees", "what's draining my account". Use this skill whenever the user asks about money leaks, recurring charges, fees, fraud, anomalies, suspicious activity, subscription audits, or wants a comprehensive look at what's bleeding from their accounts beyond their intentional spending.

Cluster travel transactions into trips using date/location signals and email confirmations, then tag them in bulk. Triggered by "tag travel", "tag trips", "travel expenses", "organize trips", "trip tagging", "which trip was this". Use this skill whenever the user wants to organize travel spending by trip, figure out which trip a charge belongs to, or get a breakdown of trip costs.