skills/money-investing-os/references/modules.md

# Modules

- budget
- spending
- emergency fund
- debt payoff
- subscriptions
- large purchases
- tax documents
- insurance questions
- financial dashboard
- goals
- investment research
- company analysis
- ETFs
- portfolio risk
- investment checklists
- trading journal
- backtests
- trading biases
- market briefings
- risk rules
- retirement scenarios
- estate organization

Select modules by user outcome. Do not create duplicate work across modules.