Goals

A goal is the user's primary financial objective. Every Ozzie user has one active goal at a time, and it drives everything: the financial plan, the Money Moves cadence, and the coaching tone.

Two goal types

savings — The user is building toward something: an emergency fund, a vacation, a down payment, or just general financial security.

debt — The user is paying off something: a credit card balance, a personal loan, a car payment. The plan focuses on accelerating payoff.

Goal attributes

Field	Description
goal_type	"savings" or "debt"
goal_name	Human label, e.g. "Emergency Fund" or "Pay off Visa card"
target_amount	The finish line in the user's currency
starting_amount	Where they start (current savings or current debt balance)
cadence	How often they want to take action
next_move_date	When the next Money Move is due

Cadence options

Cadence	Frequency
weekly	Every 7 days
biweekly	Every 14 days
twice_monthly	1st and 15th of each month
monthly	Once a month

The cadence determines how often Ozzie generates new Money Move cycles. A user who wants aggressive progress picks weekly; one who wants a lighter touch picks monthly.

How goals drive the system

Goal (type + target + cadence)
    │
    ├── Plan generation (timeline, allocations)
    │       └── "You'll reach your target in 14 months"
    │
    └── Money Moves (DO tasks with amounts)
            └── "Transfer $200 to savings this week"

The goal is the anchor. Change the goal → regenerate the plan → new Money Moves.

Goal progress

Progress is tracked implicitly through completed Money Move tasks and transactions. There is no separate "progress" endpoint — the chat coach and plan reflect current progress based on the accumulated data.

Recommendations for integrators

• Always create a goal after financial intake and plan generation — the plan needs income/expenses to compute a realistic timeline.
• If your onboarding flow captures goal info upfront, batch it: create user → submit intake → create goal → generate plan.
• You can update a goal by calling POST /goals again — it replaces the active goal.

→ See Goals API Reference