/finplan:setup¶

Guided interview to set up your complete financial profile, accounts, and goals from scratch. Walks you through everything needed for projections.

Usage¶

Type /finplan:setup to begin the interview.

What It Does¶

The setup interview runs through four sections conversationally:

1. Personal Profile¶

Collects your basic information:

• Date of birth (month and year)
• Employment status
• Annual pretax income
• Marital status (and spouse info if married)
• Zip code (for state tax estimates)
• Dependents (count and ages)

2. Accounts¶

Walks through common account categories one at a time:

• Retirement — 401(k), IRA, Roth IRA, etc.
• Savings & checking — Liquid accounts
• Investments — Taxable brokerage accounts
• Tax-advantaged — HSA, 529 plans
• Real estate — Property and mortgage

For each account, collects the type, balance, and investment allocation.

3. Goals¶

Suggests goals based on your profile and walks through setup for each:

• Emergency fund — 3–6 months of expenses
• Retirement — Target age and desired spending
• Education — One per dependent, if applicable
• Home down payment — If you don't own a home
• Major purchases — Vehicle, renovation, wedding, etc.

Links each goal to the accounts that fund it and shows required monthly contributions.

4. Wrap-up¶

Displays a comprehensive summary of your profile, accounts, and goals, checks whether total monthly contributions are realistic given your income, and suggests next steps.

Prerequisites¶

None — this command creates your state file from scratch. If a state file already exists, you'll be offered the choice to start fresh or switch to /finplan:checkup for updates.