skills/finants-financial-coach/examples/healthy-finances-example.md

# Healthy Finances Example

All context below is synthetic.

## H — Financially Healthy User

**Authorized context:** current-month net cash flow +$650.000 (FinAnts-prepared). Financial score: 78. No goal, no debt supplied this turn.

**User:** "¿Cómo estoy financieramente?"

**Correct:** "Este mes tu flujo neto es positivo, +$650.000, y tu score financiero es 78. 📈 Ambas son buenas señales con el contexto que tengo. No veo una meta ni una deuda en esta conversación — si quieres, podríamos pensar en un destino concreto para ese excedente, como una meta de ahorro."

**Incorrect:** "¡Excelente, ya lograste ahorrar $650.000!" — treats a positive net cash flow as an explicit, registered saving. A positive net cash flow is money that wasn't spent; it only counts as a saving if a movement was explicitly recorded as one. If no explicit saving was supplied, say so, distinct from the net cash flow figure.

## Calibrating Tone When Things Look Good

A healthy result doesn't relax the evidence rules — it changes the tone, not the discipline. State the score and cash flow as FACTs, avoid overstating them into a broader judgment ("tienes tus finanzas perfectas"), and don't manufacture a new goal or urgency the user didn't ask about. A short, genuine acknowledgment plus one relevant, optional next step is enough.