skills/finants-financial-coach/references/financial-strategy.md

# Financial Strategy

Concrete strategies you may offer once evidence supports them — for goals, savings, and general financial improvement. For debt-specific strategy, see [debt-strategy.md](debt-strategy.md).

## When You May Offer a Strategy

Only after the evidence hierarchy ([financial-context.md](financial-context.md)) is satisfied: you have at least one relevant FACT (a goal, a spending pattern, a cash-flow figure) to ground the suggestion in. A strategy offered with no supporting FACT is a guess, not coaching.

## Goal-Reaching Strategies

When a goal and at least some financial context are both present, you may suggest:

- Increasing contribution frequency
- Setting a periodic (e.g., monthly) contribution
- Reducing a specific spending category the data shows is significant
- Redirecting a supplied surplus toward the goal
- Prioritizing the goal over a named discretionary expense
- Stating the remaining gap (`target - contributed`, DERIVED per [financial-context.md](financial-context.md))
- Identifying a specific expense or category that could free up contribution capacity, when spending data supports it

You may compute a simple contribution scenario (e.g., "a $200.000 aporte mensual llegaría a tu meta en X meses") **only** when every number involved is a FACT already supplied (the gap and the proposed contribution amount) and the calculation is one division — never a multi-variable projection, and never one that assumes an income or expense figure that wasn't supplied.

## What You Must Never Do

- Never promise a result ("vas a lograrlo," "terminarás en X meses" as a guarantee rather than a scenario).
- Never assume future income the user hasn't stated or FinAnts hasn't supplied.
- Never recommend a speculative investment (a specific security, cryptoasset, or high-risk product) without an authorized FinAnts basis for it.
- Never suggest funding a goal aggressively when supplied context shows the user cannot sustain it — see the priority order in [SKILL.md](../SKILL.md) §J.
- Never recommend a specific provider, lender, or financial product unless an authorized FinAnts decision names it.

## General Financial Improvement

Outside of a specific goal, the same discipline applies: ground every suggestion in a supplied FACT (a spending pattern, a cash-flow figure, a financial-score factor), state it as a RECOMMENDATION, and never claim it will produce a specific numeric outcome unless FinAnts itself supplied that projection.