Financial Plan

A financial plan is Ozzie's personalized roadmap for a user. It answers: "Given what I earn, what I spend, and who I am — how should I allocate my money?"

Inputs

The plan is computed from three sources:

Input	How to provide	Required
Monthly income and expenses	POST /financial-intake (stored per user)	Yes
Financial goal type	financial_goal in intake	Yes
Personality type	personality_type field in request body	Yes

Your application scores personality using POST /v1/personality/score, stores the result, and passes it explicitly when generating the plan.

What a plan contains

{
  "plan_tier": "30/70",
  "personality_type": "STOCKPILER",
  "envelopes": {
    "bills": { "allocated_pct": 40.0, "allocated_amount": 2000.00 },
    "future": { "allocated_pct": 30.0, "allocated_amount": 1500.00 },
    "daily_living": { "allocated_pct": 10.5, "allocated_amount": 525.00 },
    "health_wellness": { "allocated_pct": 6.0, "allocated_amount": 300.00 },
    "lifestyle": { "allocated_pct": 6.0, "allocated_amount": 300.00 },
    "people": { "allocated_pct": 7.5, "allocated_amount": 375.00 }
  },
  "action_items": [
    "Automate a $1,500 transfer to savings on payday.",
    "Your STOCKPILER profile means building security before investing."
  ]
}

plan_tier

A label like "20/80" or "30/70" indicating the ratio of savings to spending. Derived from the user's disposable income and personality type. Pass this to POST /v1/money-moves/generate.

envelopes

Six budget buckets that divide the user's income. Two are calculated from fixed expense data (bills, future). Four are personality-weighted flexible envelopes. See Envelope System for the weight table.

action_items

Personalized recommendations generated by the AI, tuned to the user's personality type and actual numbers.

The plan and personality

The personality type fundamentally shapes the plan:

• STOCKPILER — future envelope gets +5% before other flexible envelopes are distributed; action items emphasize security milestones
• HOTSHOT — lifestyle envelope weighted higher; action items frame savings in terms of future returns
• GIVER — people envelope weighted higher; action items acknowledge giving as a value
• INDEPENDENT — all flexible envelopes equal; action items present options, not directives

When to regenerate

Regenerate the plan whenever:

• The user submits a new financial intake (income changed, major expense added)
• Significant time has passed (monthly refresh is a good default)

Call POST /v1/users/{user_id}/plan/generate with the user's current personality_type.

→ See Plan API Reference