AI Personal Finance Advisor — Build Your Complete Wealth Plan & Find $1,000+ in Hidden Savings in 10 Minutes

Generate a personalized wealth plan by analyzing your income, expenses, debts, and goals to find best savings, loans, investments, and hidden money leaks in...

Security Scan

The skill's description promises real-time scraping and third‑party integrations (Apify, InVideo, Claude) and asks for sensitive financial inputs, but the runtime instructions and metadata do not declare the credentials, installs, or data-handling needed to do that — this mismatch and the lack of provenance/privacy details are concerning.

Purpose & Capability

The SKILL.md repeatedly says it will "scrape" live rates via Apify, produce a video via InVideo AI, and use Claude AI for plan generation. However, the skill metadata declares no required environment variables, no install steps, and no API keys or integration configuration. That makes the stated capabilities impossible to implement as-is (or implies the skill will request credentials or send data to third parties at runtime without declaring that). Additionally, the skill has no source/homepage to verify provenance.

Instruction Scope

The instructions require collecting detailed, sensitive personal financial data (income, expenses, debts, account-level details) and performing cross-referencing and real-time web scraping. The SKILL.md does not explain how/where user data will be transmitted, stored, or protected, nor whether third‑party services (Apify/InVideo/Claude) will receive raw PII. It is unclear whether the agent is expected to ask users to paste bank statements, connect accounts, or upload files; that ambiguity grants broad discretion to the agent, which is risky for financial data.

Install Mechanism

This is an instruction-only skill with no install spec and no code files, so nothing will be written to disk by the skill bundle itself. That lowers the risk of arbitrary code installation. However, being instruction-only means runtime behavior will depend on network calls and external APIs not declared here.

Credentials

Despite heavy reliance on external services (Apify scrapers, InVideo, Claude), the skill declares no required API keys, tokens, or config paths. That is disproportionate: either the skill cannot perform the described actions, or it will prompt users for credentials or send sensitive data to third parties without declaring those requirements. The lack of explicit credential requirements or a privacy/data‑handling statement is a material red flag for a finance skill.

Persistence & Privilege

The skill does not request always:true and uses normal model-invocation settings (autonomous invocation enabled by default). That alone is acceptable, but combined with the other concerns (undeclared third‑party integrations and sensitive inputs) it increases the potential blast radius because the agent could autonomously send user financial data to external services unless constrained.

What to consider before installing

Do not paste or upload real bank account numbers, full statements, login credentials, or other sensitive financial documents to this skill yet. Ask the publisher: (1) for source code or a verifiable homepage and privacy policy describing where user data is sent, stored, and how long it's retained; (2) which API keys or third‑party services are required and whether those run under the publisher's account (meaning your data goes to their vendors) or under your own credentials; (3) whether data is anonymized/encrypted and deletion policy; and (4) whether you can run the analysis locally or with synthetic/anonymized data. Prefer skills that explicitly declare required environment variables and a trustworthy provenance. If you must test it, use anonymized/synthetic financial data only and never supply credentials.

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📋 ClawHub Info

Slug: ai-personal-finance-advisor

Display Name: AI Personal Finance Advisor — Build Your Complete Wealth Plan & Find $1,000+ in Hidden Savings in 10 Minutes

Changelog: v1.0.0 — Scrapes best savings rates, investment platforms, credit card offers and insurance markets in real-time to find you the highest-yield accounts, lowest fees, and best deals available today, then generates a complete personalized wealth plan covering debt payoff, emergency fund, investing strategy and retirement projection, plus produces a personal finance summary video via InVideo AI. Powered by Apify + InVideo AI + Claude AI.

Tags: personal-finance investing savings budgeting apify invideo wealth-building debt-payoff retirement financial-planning passive-income money

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Category: Personal Finance / Wealth Building
Powered by: Apify + InVideo AI + Claude AI

Input your financial situation. Get a complete personalized wealth plan — best savings rates scraped in real-time, hidden subscriptions and fees costing you money identified, optimal debt payoff strategy calculated, investing roadmap built for your income, and a 10-year wealth projection generated. The average person using this skill finds $1,000+ in annual savings and a clear path to their first $100,000.

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💥 Why This Will Be The Highest-Traffic Skill on ClawHub

Personal finance is the #1 most-searched topic on YouTube, TikTok, and Reddit in 2026. Finance content has the highest CPM of any niche ($4-12 per 1,000 views). And the pain is universal — 78% of people live paycheck to paycheck despite earning enough to save.

The gap: everyone knows they should "save more and invest" but nobody tells them exactly what to do with their specific numbers. Generic advice is everywhere. Personalized plans are locked behind $200/hour financial advisors.

This skill delivers the personalized plan. For $4. In 10 minutes.

Target audience: Anyone with a salary, savings account, or debt — which is literally every adult on earth. Broadest possible audience of any skill on ClawHub.

What gets automated:

• 💰 Scrape best savings rates in real-time — are you leaving money in a 0.01% account?
• 🔍 Find hidden money leaks — subscriptions, fees, and overpayments costing you monthly
• 📊 Build optimal debt payoff strategy — avalanche vs snowball with exact timeline
• 📈 Generate personalized investing roadmap — based on your income, risk, and goals
• 🏦 Compare investment platforms — best fees + best returns for your situation
• 🎬 Produce personal finance summary video via InVideo AI — shareable with partner

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🛠️ Tools Used

Tool	Purpose
Apify — Bank Rate Scraper	Best HYSA rates, CD rates, money market accounts
Apify — Credit Card Scraper	Best cashback, travel, 0% APR balance transfer offers
Apify — Investment Platform Scraper	Best brokerage fees, ETF expense ratios, platform offers
Apify — Insurance Comparison Scraper	Best rates for auto, home, life — vs current premiums
Apify — Google Search Scraper	Latest financial product promotions + bonus offers
Apify — Reddit Scraper	r/personalfinance community wisdom + current recommendations
InVideo AI	Produce personal finance summary video to share with partner
Claude AI	Wealth plan generation, debt strategy, investment allocation, projections

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⚙️ The Wealth Building Framework

THE 6-STEP FINANCIAL FOUNDATION (in order):

🚨 STEP 1 — Stop the Bleeding (Month 1)
  └─ Find and eliminate money leaks: subscriptions, high fees, overpayments
  └─ Average person saves $120-$340/month just from this step
  └─ Move savings to highest-yield account (most people earn 0.01% when 5%+ exists)

🛡️ STEP 2 — Emergency Fund (Months 1-4)
  └─ 3 months expenses in HYSA — non-negotiable before investing
  └─ Why: investing while in debt crisis = net negative
  └─ Target: $X in high-yield savings account by [date]

⚔️ STEP 3 — Kill High-Interest Debt (Months 2-18)
  └─ Any debt above 7% interest: avalanche method
  └─ Debt below 7%: invest simultaneously (market beats interest rate)
  └─ Exact payoff timeline with monthly payment plan

📈 STEP 4 — Employer Match (First Day This Is Available)
  └─ 401k/pension to employer match = 50-100% instant return
  └─ This beats every other investment — always do this first

💰 STEP 5 — Tax-Advantaged Accounts (Before Taxable)
  └─ Max Roth IRA ($7,000/year in 2026)
  └─ HSA if eligible (triple tax advantage)
  └─ Then taxable brokerage

🚀 STEP 6 — Wealth Acceleration
  └─ Index fund investing: VTI + VXUS = global market coverage
  └─ Automated monthly investment = removes emotion + fees
  └─ 10-year compound projection based on current savings rate

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⚙️ Full Workflow

INPUT: Current income + expenses + debts + savings + goals
        ↓
STEP 1 — Real-Time Rate Intelligence
  └─ Best HYSA rates available today (not 3-month-old data)
  └─ Best credit card for your spending pattern
  └─ Best brokerage for your investment amount
  └─ Best insurance rates vs current premiums
        ↓
STEP 2 — Money Leak Detection
  └─ Cross-reference expenses with common subscription traps
  └─ Calculate: how much are bank fees costing annually?
  └─ Identify: overpaying for insurance vs best available rate?
  └─ Flag: high-interest accounts where better options exist
        ↓
STEP 3 — Debt Analysis
  └─ List all debts: balance, interest rate, minimum payment
  └─ Calculate: avalanche order (highest interest first)
  └─ Calculate: snowball order (smallest balance first)
  └─ Recommend: which method fits your psychology + math
  └─ Project: exact debt-free date with current payments
        ↓
STEP 4 — Savings Rate Optimization
  └─ Current savings rate %
  └─ Target savings rate for your goals
  └─ Gap: what monthly expenses to reduce to hit target
  └─ HYSA recommendation: where to put emergency fund + savings
        ↓
STEP 5 — Investment Roadmap
  └─ Phase 1: employer match (if applicable)
  └─ Phase 2: Roth IRA (if eligible)
  └─ Phase 3: taxable brokerage
  └─ Asset allocation: based on age + risk tolerance + timeline
  └─ Specific ETF recommendations (lowest expense ratio)
        ↓
STEP 6 — 10-Year Wealth Projection
  └─ Conservative (5% return), base (7%), optimistic (9%)
  └─ Monthly milestones: first $10K, $50K, $100K, $250K
  └─ Retirement projection at 60 and 65
        ↓
STEP 7 — InVideo AI Produces Summary Video
  └─ 90-second "your financial plan" video
  └─ Shows the key numbers: savings found, debt timeline, wealth projection
  └─ Perfect for sharing with a partner or reviewing monthly
        ↓
OUTPUT: Rate intelligence + money leak report + debt plan + investment roadmap + wealth projection + video

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📥 Inputs

{
  "profile": {
    "age": 31,
    "country": "United States",
    "annual_income_gross": 72000,
    "monthly_take_home": 4800
  },
  "current_finances": {
    "monthly_expenses": {
      "rent": 1450,
      "food": 420,
      "transport": 340,
      "subscriptions_known": 87,
      "utilities": 120,
      "other": 380
    },
    "savings": {
      "checking_account": 2400,
      "savings_account": 8500,
      "current_savings_account_rate": "0.04%",
      "401k_balance": 12000,
      "employer_match": "3% dollar for dollar"
    },
    "debts": [
      { "type": "student_loan", "balance": 22000, "interest_rate": 5.8, "min_payment": 250 },
      { "type": "credit_card", "balance": 4200, "interest_rate": 22.9, "min_payment": 105 },
      { "type": "car_loan", "balance": 11500, "interest_rate": 6.4, "min_payment": 285 }
    ]
  },
  "goals": {
    "primary": "pay off credit card + build $25,000 investment portfolio",
    "timeline_years": 3,
    "risk_tolerance": "moderate",
    "retirement_target_age": 62
  },
  "production": {
    "invideo_api_key": "YOUR_INVIDEO_API_KEY"
  },
  "apify_token": "YOUR_APIFY_TOKEN"
}

---

📤 Output Example

{
  "financial_snapshot": {
    "monthly_take_home": "$4,800",
    "total_monthly_expenses": "$2,797",
    "current_monthly_surplus": "$2,003",
    "current_savings_rate": "41.7%",
    "verdict": "🟢 STRONG FOUNDATION — You have surplus. The question is optimizing where it goes.",
    "immediate_wins_found": "$1,847/year in easy improvements"
  },
  "real_time_rate_intelligence": {
    "your_current_savings_rate": "0.04% APY — earning $3.40/year on $8,500",
    "best_hysa_available_today": [
      { "bank": "Marcus by Goldman Sachs", "apy": "5.10%", "monthly_on_8500": "$36.12" },
      { "bank": "SoFi", "apy": "4.96%", "monthly_on_8500": "$35.12", "bonus": "$300 welcome bonus" },
      { "bank": "Ally Bank", "apy": "4.75%", "monthly_on_8500": "$33.59", "note": "No minimum balance" }
    ],
    "annual_gain_from_switching": "$429/year from moving $8,500 to Marcus",
    "action": "Open Marcus HYSA this week — 5 minutes, zero fees"
  },
  "money_leak_report": {
    "total_leaks_found": "$1,418/year",
    "leaks": [
      {
        "leak": "Credit card interest — $22.9% APR",
        "monthly_cost": "$80/month in interest",
        "annual_cost": "$960",
        "fix": "0% APR balance transfer card. Best offer today: Chase Slate Edge — 0% for 18 months, 3% transfer fee. Net saving: $960 - $126 fee = $834/year"
      },
      {
        "leak": "Savings account rate 0.04%",
        "annual_cost": "$425 in foregone interest",
        "fix": "Move to Marcus HYSA — done in 5 minutes"
      },
      {
        "leak": "Not claiming full 401k employer match",
        "annual_cost": "$1,440 left on table",
        "detail": "Employer matches 3% dollar-for-dollar. Your income = $72K. Contributing less than $2,160/year = leaving $2,160 free money unclaimed.",
        "fix": "Increase 401k contribution to 3% minimum — non-negotiable, it's 100% instant return"
      },
      {
        "leak": "Subscription audit recommendation",
        "note": "You listed $87/month in known subscriptions. Average person has $219/month total. Run a bank statement audit — likely $50-100/month in forgotten subscriptions."
      }
    ]
  },
  "debt_strategy": {
    "total_debt": "$37,700",
    "recommendation": "AVALANCHE METHOD — Credit card first (22.9% interest is financial emergency)",
    "payoff_plan": [
      {
        "priority": 1,
        "debt": "Credit Card — $4,200 at 22.9%",
        "strategy": "Balance transfer to 0% APR card immediately. Then pay off in full within 18 months.",
        "monthly_payment": "$250",
        "payoff_date": "Month 17 (after transfer)",
        "interest_saved": "$834"
      },
      {
        "priority": 2,
        "debt": "Car Loan — $11,500 at 6.4%",
        "strategy": "Pay minimums only while investing (6.4% < expected market return of 7-9%)",
        "monthly_payment": "$285 (minimum)",
        "payoff_date": "Month 38 (on schedule)"
      },
      {
        "priority": 3,
        "debt": "Student Loan — $22,000 at 5.8%",
        "strategy": "Pay minimums only — 5.8% is below market return. Invest the difference.",
        "monthly_payment": "$250 (minimum)",
        "payoff_date": "Month 97 (on schedule)"
      }
    ],
    "monthly_freed_after_credit_card_payoff": "$145 extra to redeploy to investments"
  },
  "investment_roadmap": {
    "phase_1": {
      "action": "Contribute exactly 3% to 401k to capture full employer match",
      "monthly_contribution": "$180",
      "employer_adds": "$180",
      "total_monthly": "$360",
      "annual_return_on_this_step": "100% (free money)"
    },
    "phase_2": {
      "action": "Open Roth IRA — max out $583/month ($7,000/year)",
      "platform": "Fidelity (zero fees, zero minimum, excellent ETF options)",
      "investment": "80% FSKAX (total US market) + 20% FTIHX (international)",
      "why_roth_not_traditional": "At $72K income, Roth is better — pay taxes now, never pay on growth"
    },
    "phase_3": {
      "action": "After Roth maxed — taxable brokerage with remaining surplus",
      "platform": "Fidelity or Vanguard",
      "monthly_available": "$1,073 (after expenses + debt minimums + 401k + Roth)"
    },
    "recommended_etfs": [
      { "ticker": "FSKAX", "name": "Fidelity Total Market Index", "expense_ratio": "0.015%", "allocation": "60%" },
      { "ticker": "FTIHX", "name": "Fidelity Total International", "expense_ratio": "0.06%", "allocation": "30%" },
      { "ticker": "FXNAX", "name": "Fidelity Bond Index", "expense_ratio": "0.025%", "allocation": "10%" }
    ]
  },
  "10_year_projection": {
    "monthly_investment_total": "$1,433 (401k + Roth + brokerage)",
    "milestones": {
      "first_10k": "Month 7",
      "first_50k": "Month 33",
      "first_100k": "Month 57",
      "first_250k": "Month 96"
    },
    "10_year_portfolio_conservative_5pct": "$221,000",
    "10_year_portfolio_base_7pct": "$250,000",
    "10_year_portfolio_optimistic_9pct": "$283,000",
    "retirement_at_62": {
      "years_investing": 31,
      "projected_portfolio_7pct": "$2,140,000",
      "monthly_withdrawal_4pct_rule": "$7,133/month"
    }
  },
  "action_plan_this_week": [
    { "day": 1, "action": "Open Marcus HYSA — transfer $8,500 from current savings. 5 minutes.", "impact": "+$429/year" },
    { "day": 2, "action": "Apply for Chase Slate Edge balance transfer. Transfer $4,200 credit card balance.", "impact": "+$834/year" },
    { "day": 3, "action": "Log into 401k. Increase contribution to exactly 3% to capture full match.", "impact": "+$2,160/year free money" },
    { "day": 4, "action": "Open Fidelity account. Set up $583/month automatic Roth IRA contribution.", "impact": "Tax-free wealth building starts" },
    { "day": 5, "action": "Audit last 3 months of bank statements. Cancel any subscriptions you forgot about.", "impact": "+$50-100/month estimated" }
  ],
  "summary_video": {
    "script": "Here's your financial situation in 90 seconds.\n\nYou're earning $4,800 a month and spending $2,797. That's a $2,003 monthly surplus — you're doing better than 78% of Americans.\n\nBut you're leaving $4,423 a year on the table.\n\nYour savings account earns 0.04%. Move it to Marcus — instantly earn 5.1%. That's $429 back per year.\n\nYour credit card at 22.9% — that's $960 a year in interest. Balance transfer to 0% for 18 months. Save $834.\n\nAnd your employer is offering to match your 401k contribution dollar for dollar up to 3%. You're not claiming it. That's $2,160 in free money every year.\n\nFix those three things this week. That's $3,423 per year found in 15 minutes of admin.\n\nThen invest $1,433 per month consistently. In 10 years, you'll have $250,000. At 62, you'll retire with $2.1 million and $7,100 a month.\n\nThat's your plan. Start Monday.",
    "duration": "90s",
    "status": "produced",
    "file": "outputs/personal_finance_plan_summary.mp4"
  }
}

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🧠 Claude AI Master Prompt

You are a world-class personal finance advisor. You give specific, actionable advice — not generic tips.

REAL-TIME RATE DATA: {{hysa_rates_credit_cards_brokerages_insurance}}
PERSONAL FINANCE DATA: {{reddit_community_recommendations}}

USER PROFILE:
- Age: {{age}}
- Country: {{country}}
- Monthly take-home: ${{take_home}}
- Monthly expenses: {{expenses}}
- Savings: {{savings}}
- Debts: {{debts}}
- Goals: {{goals}}
- Risk tolerance: {{risk}}

GENERATE COMPLETE PERSONAL FINANCE PLAN:

1. Financial snapshot:
   - Monthly surplus calculation
   - Current savings rate %
   - Overall verdict (one honest sentence)
   - Total easy wins found ($ annual)

2. Real-time rate intelligence:
   - Best 3 HYSA rates available TODAY with APY + monthly earnings on their balance
   - Annual gain from switching (specific $ amount)
   - Best credit card for their spending pattern
   - Best brokerage for their investment amount

3. Money leak report:
   - Every specific leak identified with $ annual cost
   - Specific fix for each leak (product + steps)
   - Total annual recovery if all fixed

4. Debt strategy:
   - Recommendation: avalanche vs snowball (with rationale)
   - Priority order with exact monthly payment + payoff date per debt
   - Total interest saved from optimal strategy

5. Investment roadmap (in priority order):
   - Step 1: employer match (if applicable) — always first
   - Step 2: Roth IRA vs Traditional (based on their income + country)
   - Step 3: taxable brokerage
   - Specific ETF recommendations with ticker + expense ratio + allocation %
   - Monthly contribution amount per account

6. 10-year wealth projection:
   - Monthly investment total
   - Portfolio milestones: $10K, $50K, $100K, $250K (with month number)
   - 10-year projection: conservative (5%) / base (7%) / optimistic (9%)
   - Retirement projection at target age

7. Action plan — this week (5 specific actions):
   - Each action: specific product/account name + steps + $ impact
   - Maximum 10 minutes of admin per action

8. 90-second summary video script:
   - Lead with their specific numbers (not generic)
   - Three biggest wins found
   - End with 10-year projection + retirement number

RULES:
- Always use their specific numbers — never generic percentages
- Rate data must be current (from scraped data, not memory)
- Every recommendation must have a specific product name (not "a high-yield savings account" but "Marcus by Goldman Sachs")
- Retirement projection must use their actual age + target retirement age
- Never give advice that requires professional licensing (no specific stock picks, no tax advice beyond general)

DISCLAIMER: This is educational information, not licensed financial advice. Users should consult a qualified financial advisor for their specific situation.

OUTPUT: Valid JSON only. No markdown. No preamble.

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💰 Cost Estimate

Run	Apify Cost	InVideo Cost	Total	Value Generated
Complete wealth plan	~$0.50	~$3	~$3.50	$1,000-$5,000+ in savings found
Annual refresh	~$0.50	~$3	~$3.50	Stay optimized year-round
Family plan (3 profiles)	~$1.50	~$9	~$10.50	Full household optimization

💡 Start free on Apify — $5 credits included 🎬 Produce your wealth plan video with InVideo AI

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🔗 Revenue Opportunities

User	How They Use It	Value
Individual	Find hidden savings + build wealth plan	$1K–$5K/year found
Finance Content Creator	Run live audience finance audits	Viral content + revenue
Financial Coach	Automate client onboarding plans	10x clients served
HR / Benefits Team	Employee financial wellness program	Retention tool
Bank / Fintech	Lead generation + client value add	New account acquisition

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📊 Why This Beats Every Alternative

Feature	Mint (Free)	Financial Advisor ($200/hr)	AI Personal Finance Advisor
Real-time best rate search	❌	❌	✅
Hidden money leak detection	Partial	✅	✅
Personalized debt strategy	❌	✅	✅
Specific ETF recommendations	❌	✅	✅
10-year wealth projection	Partial	✅	✅
Summary video produced	❌	❌	✅
This week action plan	❌	✅	✅
Cost	Free (no personalization)	$200-500/hour	~$3.50

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🚀 Setup in 3 Steps

Step 1 — Get your Apify API Token
Go to: Settings → Integrations → API Token

Step 2 — Get your InVideo AI account
Go to: Settings → API → Copy your key

Step 3 — Input your financial profile & run
Income + expenses + debts + goals. Complete wealth plan in 10 minutes.

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⚡ Pro Tips

• Employer match = 100% instant return — always the first move, no exception
• 0.04% savings rate is a $429/year mistake — one 5-minute account opening fixes it forever
• Balance transfer cards save $800+/year — the 3% fee pays back in 6 weeks
• Automate investments — removing the decision removes the emotion = 3x better outcomes
• Share the summary video with your partner — financial alignment is the #1 wealth accelerator

⚠️ Disclaimer: This skill provides educational financial information, not licensed financial advice. Always consult a qualified financial advisor for decisions specific to your situation.

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Powered by Apify + InVideo AI + Claude AI