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Goals

A goal is the user's primary financial objective. It drives the plan tier, 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.

How the goal is used​

The goal type is captured during financial intake (financial_goal field) and is used by the plan generator to set the plan tier and allocate the future envelope appropriately.

Financial Intake (financial_goal: "savings")
    │
    ▼
POST /v1/users/:id/plan/generate
  → plan_tier reflects savings ratio
  → future envelope allocation prioritizes goal
    │
    ▼
POST /v1/money-moves/generate
  → do task amounts derived from future envelope allocation
  → learn and mind tasks framed around the goal

Goal tracking​

ozzie-openapi does not track goal progress internally. Your application is responsible for:

  • Storing when money moves are completed and the amounts
  • Computing progress toward the goal target
  • Displaying progress to the user

The AI coach can provide progress commentary when you include current savings/debt status in the chat context:

POST /v1/users/:id/chat/completion
{
  "message": "Am I on track?",
  "personality_type": "STOCKPILER",
  "history": [
    { "role": "system", "content": "User's savings goal: $10,000. Current savings: $2,400." }
  ]
}

Recommendations for integrators​

  • Capture the goal type in your intake form and pass it in financial_goal.
  • Store money move completion events in your database to compute goal progress.
  • Include goal progress context in chat calls for richer, data-grounded coaching replies.

→ See Financial Intake API Reference and Money Moves API Reference