[cron:67d33686-b665-4b84-ae37-883361528dd4 Ledger: Daily Financial Pulse] Generate the morning financial pulse. Query Monarch Money for current balances and yesterday's transactions. Format as a brief Signal-friendly message with: checking balance, total credit debt (with week-over-week change), yesterday's spending summary, and budget health status. Send to Brandon via Signal.
Current time: Thursday, February 5th, 2026 — 6:00 AM (America/Denver)


This is a cron job from Ledger (the financial agent) asking me to generate a morning financial pulse. I need to:

1. Query Monarch Money for current balances and yesterday's transactions
2. Format as a Signal-friendly message
3. Send to Brandon via Signal

Let me start by querying Monarch Money using the script at `~/.monarch-money/query.py`. I'll need to check what commands are available and get the data I need.

exec

cd ~/.monarch-money && python3 query.py accounts 2>/dev/null

cd ~/.monarch-money && python3 query.py transactions --days 1 2>/dev/null


The commands failed. Let me check what's available in the monarch-money directory and see if the script exists or needs different arguments.

ls -la ~/.monarch-money/ && cat ~/.monarch-money/query.py 2>/dev/null | head -100


total 32
drwxr-xr-x@  7 brandon  staff   224 Feb  4 02:18 .
drwxr-x---+ 33 brandon  staff  1056 Feb  4 02:17 ..
drwxr-xr-x@  3 brandon  staff    96 Feb  4 02:17 .mm
-rw-r--r--@  1 brandon  staff   417 Feb  4 02:18 monarchmoney.log
-rw-r--r--@  1 brandon  staff  3496 Feb  4 02:18 query.py
-rwxr-xr-x@  1 brandon  staff   656 Feb  4 02:18 refresh_session.sh
-rw-r--r--@  1 brandon  staff  1864 Feb  4 02:17 simple_login.py
#!/usr/bin/env python3
"""
Query Monarch Money data using saved session.
Usage: python query.py [accounts|budgets|cashflow|transactions]
"""

import asyncio
import sys
import json
from pathlib import Path
from monarchmoney import MonarchMoney

# Point to the session directory
SESSION_DIR = Path.home() / ".monarch-money" / ".mm"

async def get_client():
    mm = MonarchMoney(session_file=str(SESSION_DIR / "mm_session.pickle"))
    mm.load_session()
    return mm

async def accounts():
    mm = await get_client()
    data = await mm.get_accounts()

    acct_list = data.get('accounts', [])

    checking = []
    savings = []
    credit_cards = []
    investments = []
    other = []

    for a in acct_list:
        name = a.get('displayName', 'Unknown')
        bal = a.get('currentBalance') or 0
        subtype = str(a.get('subtype', {})).lower()

        if 'checking' in name.lower() or 'checking' in subtype:
            checking.append((name, bal))
        elif 'saving' in name.lower() or 'saving' in subtype:
            savings.append((name, bal))
        elif 'credit' in name.lower() or 'credit' in subtype or bal < 0:
            credit_cards.append((name, bal))
        elif 'invest' in subtype or 'brokerage' in subtype or '401' in name.lower() or 'ira' in name.lower():
            investments.append((name, bal))
        else:
            other.append((name, bal))

    result = {
        "checking": {"total": sum(b for _, b in checking), "accounts": [{"name": n, "balance": b} for n, b in checking]},
        "savings": {"total": sum(b for _, b in savings), "accounts": [{"name": n, "balance": b} for n, b in savings]},
        "credit_cards": {"total": sum(b for _, b in credit_cards), "accounts": [{"name": n, "balance": b} for n, b in credit_cards]},
        "investments": {"total": sum(b for _, b in investments), "accounts": [{"name": n, "balance": b} for n, b in investments]},
        "other": {"total": sum(b for _, b in other), "accounts": [{"name": n, "balance": b} for n, b in other]},
        "summary": {
            "total_assets": sum(b for _, b in checking + savings + investments + other if b > 0),
            "total_debt": abs(sum(b for _, b in credit_cards)),
            "net_worth": sum(b for _, b in checking + savings + investments + other if b > 0) + sum(b for _, b in credit_cards)
        }
    }
    print(json.dumps(result, indent=2))

async def budgets():
    mm = await get_client()
    data = await mm.get_budgets()
    print(json.dumps(data, indent=2, default=str))

async def cashflow():
    mm = await get_client()
    from datetime import datetime, timedelta
    end = datetime.now()
    start = end - timedelta(days=30)
    data = await mm.get_cashflow(start.strftime("%Y-%m-%d"), end.strftime("%Y-%m-%d"))
    print(json.dumps(data, indent=2, default=str))

async def transactions(limit=50):
    mm = await get_client()
    data = await mm.get_transactions(limit=limit)
    print(json.dumps(data, indent=2, default=str))

if __name__ == "__main__":
    cmd = sys.argv[1] if len(sys.argv) > 1 else "accounts"

    if cmd == "accounts":
        asyncio.run(accounts())
    elif cmd == "budgets":
        asyncio.run(budgets())
    elif cmd == "cashflow":
        asyncio.run(cashflow())
    elif cmd == "transactions":
        asyncio.run(transactions())
    else:
        print(f"Unknown command: {cmd}")
        print("Usage: python query.py [accounts|budgets|cashflow|transactions]")
        sys.exit(1)


The script exists. Let me try running it with stderr output shown to see what the actual error is.

cd ~/.monarch-money && python3 query.py accounts 2>&1


Traceback (most recent call last):
  File "/Users/brandon/.monarch-money/query.py", line 11, in <module>
    from monarchmoney import MonarchMoney
ModuleNotFoundError: No module named 'monarchmoney'

Command exited with code 1


The monarchmoney module isn't installed in the default Python environment. I need to check where it might be installed - perhaps in a venv or installed with pip3.

pip3 list 2>/dev/null | grep -i monarch || pip list 2>/dev/null | grep -i monarch || which python3 && python3 -m pip list 2>/dev/null | grep -i monarch


/usr/bin/python3

Command exited with code 1


The monarchmoney module doesn't seem to be installed. MEMORY.md mentions "Python API access via patched `monarchmoney-enhanced` library". Let me check if there's a venv or alternative installation.

find ~/.monarch-money -name "*.py" -o -name "venv" -o -name ".venv" 2>/dev/null && ls -la ~/.monarch-money/.mm/ 2>/dev/null

pip3 install monarchmoney 2>&1 | tail -5


/Users/brandon/.monarch-money/query.py
/Users/brandon/.monarch-money/simple_login.py
total 8
drwxr-xr-x@ 3 brandon  staff    96 Feb  4 02:17 .
drwxr-xr-x@ 7 brandon  staff   224 Feb  4 02:18 ..
-rw-r--r--@ 1 brandon  staff  1164 Feb  4 02:17 mm_session.pickle


WARNING: The script gql-cli is installed in '/Users/brandon/Library/Python/3.9/bin' which is not on PATH.
  Consider adding this directory to PATH or, if you prefer to suppress this warning, use --no-warn-script-location.
Successfully installed aiohappyeyeballs-2.6.1 aiohttp-3.13.3 aiosignal-1.4.0 anyio-4.12.1 async-timeout-5.0.1 attrs-25.4.0 autocommand-2.2.2 backoff-2.2.1 exceptiongroup-1.3.1 frozenlist-1.8.0 gql-4.0.0 graphql-core-3.2.7 idna-3.11 monarchmoney-0.1.15 multidict-6.7.1 oathtool-2.4.0 path-17.1.1 propcache-0.4.1 typing-extensions-4.15.0 yarl-1.22.0
WARNING: You are using pip version 21.2.4; however, version 26.0 is available.
You should consider upgrading via the '/Library/Developer/CommandLineTools/usr/bin/python3 -m pip install --upgrade pip' command.


Good, monarchmoney is now installed. Let me try running the query again.

cd ~/.monarch-money && python3 query.py transactions 2>&1


Traceback (most recent call last):
  File "/Users/brandon/.monarch-money/query.py", line 85, in <module>
    asyncio.run(accounts())
  File "/Library/Developer/CommandLineTools/Library/Frameworks/Python3.framework/Versions/3.9/lib/python3.9/asyncio/runners.py", line 44, in run
    return loop.run_until_complete(main)
  File "/Library/Developer/CommandLineTools/Library/Frameworks/Python3.framework/Versions/3.9/lib/python3.9/asyncio/base_events.py", line 642, in run_until_complete
    return future.result()
  File "/Users/brandon/.monarch-money/query.py", line 22, in accounts
    mm = await get_client()
  File "/Users/brandon/.monarch-money/query.py", line 18, in get_client
    mm.load_session()
  File "/Users/brandon/Library/Python/3.9/lib/python/site-packages/monarchmoney/monarchmoney.py", line 2794, in load_session
    data = pickle.load(fh)
_pickle.UnpicklingError: pickle data was truncated

Command exited with code 1


Traceback (most recent call last):
  File "/Users/brandon/.monarch-money/query.py", line 91, in <module>
    asyncio.run(transactions())
  File "/Library/Developer/CommandLineTools/Library/Frameworks/Python3.framework/Versions/3.9/lib/python3.9/asyncio/runners.py", line 44, in run
    return loop.run_until_complete(main)
  File "/Library/Developer/CommandLineTools/Library/Frameworks/Python3.framework/Versions/3.9/lib/python3.9/asyncio/base_events.py", line 642, in run_until_complete
    return future.result()
  File "/Users/brandon/.monarch-money/query.py", line 77, in transactions
    mm = await get_client()
  File "/Users/brandon/.monarch-money/query.py", line 18, in get_client
    mm.load_session()
  File "/Users/brandon/Library/Python/3.9/lib/python/site-packages/monarchmoney/monarchmoney.py", line 2794, in load_session
    data = pickle.load(fh)
_pickle.UnpicklingError: pickle data was truncated

Command exited with code 1


The session pickle is corrupted. MEMORY.md mentions there's a refresh_session.sh script. Let me try that, though it will likely need credentials from 1Password.


#!/bin/bash
# Refresh Monarch Money session using 1Password credentials
cd ~/.monarch-money
source /tmp/monarch-mcp-server/.venv/bin/activate

# Pull all credentials from 1Password (no hardcoded secrets)
CREDS=$(op item get 'Monarchmoney' --format=json)
MONARCH_EMAIL=$(echo "$CREDS" | jq -r '.fields[] | select(.id=="username") | .value')
MONARCH_PASSWORD=$(echo "$CREDS" | jq -r '.fields[] | select(.id=="password") | .value')
MONARCH_MFA_SECRET=$(echo "$CREDS" | jq -r '.fields[] | select(.type=="OTP") | .value')

MONARCH_EMAIL="$MONARCH_EMAIL" \
MONARCH_PASSWORD="$MONARCH_PASSWORD" \
MONARCH_MFA_SECRET="$MONARCH_MFA_SECRET" \
python simple_login.py


The script references a venv at /tmp/monarch-mcp-server/.venv which likely doesn't exist anymore. Let me check and try to refresh the session properly. I'll need to use 1Password to get the credentials.


---
name: 1password
description: Set up and use 1Password CLI (op). Use when installing the CLI, enabling desktop app integration, signing in (single or multi-account), or reading/injecting/running secrets via op.
homepage: https://developer.1password.com/docs/cli/get-started/
metadata:
  {
    "openclaw":
      {
        "emoji": "🔐",
        "requires": { "bins": ["op"] },
        "install":
          [
            {
              "id": "brew",
              "kind": "brew",
              "formula": "1password-cli",
              "bins": ["op"],
              "label": "Install 1Password CLI (brew)",
            },
          ],
      },
  }
---

# 1Password CLI

Follow the official CLI get-started steps. Don't guess install commands.

## References

- `references/get-started.md` (install + app integration + sign-in flow)
- `references/cli-examples.md` (real `op` examples)

## Workflow

1. Check OS + shell.
2. Verify CLI present: `op --version`.
3. Confirm desktop app integration is enabled (per get-started) and the app is unlocked.
4. REQUIRED: create a fresh tmux session for all `op` commands (no direct `op` calls outside tmux).
5. Sign in / authorize inside tmux: `op signin` (expect app prompt).
6. Verify access inside tmux: `op whoami` (must succeed before any secret read).
7. If multiple accounts: use `--account` or `OP_ACCOUNT`.

## REQUIRED tmux session (T-Max)

The shell tool uses a fresh TTY per command. To avoid re-prompts and failures, always run `op` inside a dedicated tmux session with a fresh socket/session name.

Example (see `tmux` skill for socket conventions, do not reuse old session names):

```bash
SOCKET_DIR="${OPENCLAW_TMUX_SOCKET_DIR:-${CLAWDBOT_TMUX_SOCKET_DIR:-${TMPDIR:-/tmp}/openclaw-tmux-sockets}}"
mkdir -p "$SOCKET_DIR"
SOCKET="$SOCKET_DIR/openclaw-op.sock"
SESSION="op-auth-$(date +%Y%m%d-%H%M%S)"

tmux -S "$SOCKET" new -d -s "$SESSION" -n shell
tmux -S "$SOCKET" send-keys -t "$SESSION":0.0 -- "op signin --account my.1password.com" Enter
tmux -S "$SOCKET" send-keys -t "$SESSION":0.0 -- "op whoami" Enter
tmux -S "$SOCKET" send-keys -t "$SESSION":0.0 -- "op vault list" Enter
tmux -S "$SOCKET" capture-pane -p -J -t "$SESSION":0.0 -S -200
tmux -S "$SOCKET" kill-session -t "$SESSION"
```

## Guardrails

- Never paste secrets into logs, chat, or code.
- Prefer `op run` / `op inject` over writing secrets to disk.
- If sign-in without app integration is needed, use `op account add`.
- If a command returns "account is not signed in", re-run `op signin` inside tmux and authorize in the app.
- Do not run `op` outside tmux; stop and ask if tmux is unavailable.


Let me set up a tmux session to run the 1Password commands and refresh the Monarch session. I'll need to be careful with this.

SOCKET_DIR="${OPENCLAW_TMUX_SOCKET_DIR:-${TMPDIR:-/tmp}/openclaw-tmux-sockets}"
mkdir -p "$SOCKET_DIR"
SOCKET="$SOCKET_DIR/openclaw-op.sock"
SESSION="op-monarch-$(date +%Y%m%d-%H%M%S)"

# Start tmux session
tmux -S "$SOCKET" new -d -s "$SESSION" -n shell

# Sign in to 1Password (may need app unlock)
tmux -S "$SOCKET" send-keys -t "$SESSION":0.0 -- "op signin --account my.1password.com" Enter
sleep 3

# Capture output
tmux -S "$SOCKET" capture-pane -p -J -t "$SESSION":0.0 -S -50

# Store socket/session info for follow-up
echo "SOCKET=$SOCKET"
echo "SESSION=$SESSION"


op signin --account my.1password.com

SOCKET=/var/folders/py/h3zpn48561ddf5cz7_5m0cxm0000gn/T//openclaw-tmux-sockets/openclaw-op.sock
SESSION=op-monarch-20260205-060043


The session is running but I need to wait for op signin to complete. Let me check the status and see if it's waiting for app unlock.

SOCKET="/var/folders/py/h3zpn48561ddf5cz7_5m0cxm0000gn/T//openclaw-tmux-sockets/openclaw-op.sock"
SESSION="op-monarch-20260205-060043"

sleep 2
tmux -S "$SOCKET" capture-pane -p -J -t "$SESSION":0.0 -S -50


op signin --account my.1password.com
/dev/fd/12:3564: command not found: compdef
brandon@Brandons-Mac-mini workspace % op signin --account my.1password.com


The signin is running. It's waiting for the 1Password app to unlock. Since this is running on Brandon's Mac mini and it's 6am, the app may be locked. Let me wait a bit longer and see if it completes, otherwise I'll need to notify Brandon that the session needs to be refreshed.

SOCKET="/var/folders/py/h3zpn48561ddf5cz7_5m0cxm0000gn/T//openclaw-tmux-sockets/openclaw-op.sock"
SESSION="op-monarch-20260205-060043"

sleep 5
tmux -S "$SOCKET" capture-pane -p -J -t "$SESSION":0.0 -S -50


It's still waiting. The 1Password app needs to be unlocked for the signin to work. At 6am, Brandon is likely asleep and the app is locked. I should kill this session and inform Brandon that the Monarch Money session needs to be refreshed when he's available.

Let me check if there are any cached values or if I can proceed differently. Actually, let me first check if maybe the session pickle just needs to be regenerated from scratch.

SOCKET="/var/folders/py/h3zpn48561ddf5cz7_5m0cxm0000gn/T//openclaw-tmux-sockets/openclaw-op.sock"
SESSION="op-monarch-20260205-060043"
tmux -S "$SOCKET" kill-session -t "$SESSION" 2>/dev/null || true


(no output)


The session is killed. Since the Monarch Money session pickle is corrupted and I can't refresh it without 1Password (which needs the app unlocked), I need to send Brandon a message letting him know the situation.

I should send a Signal message explaining that the morning financial pulse couldn't be generated because the Monarch Money session needs to be refreshed, which requires the 1Password app to be unlocked.

Let me compose a friendly morning message about this.

message

☀ Good morning!

📊 **Daily Financial Pulse - Feb 5**

⚠ Couldn't pull fresh numbers — the Monarch Money session pickle got corrupted and I need the 1Password app unlocked to refresh it.

When you're up, run:
```
~/.monarch-money/refresh_session.sh
```
...or just tell me "refresh monarch" and I'll walk you through it.

Have a good morning! 🔗


I need to specify Brandon as the target. Let me check what his Signal target identifier would be.

☀ Good morning!

📊 Daily Financial Pulse - Feb 5

⚠ Couldn't pull fresh numbers — the Monarch Money session pickle got corrupted and I need the 1Password app unlocked to refresh it.

When you're up, run:
~/.monarch-money/refresh_session.sh

...or just tell me "refresh monarch" and I'll walk you through it.

Have a good morning! 🔗


Unknown target "Brandon" for Signal. Hint: <E.164|uuid:ID|group:ID|signal:group:ID|signal:+E.164>


I need the proper Signal identifier. Let me check recent memory for Brandon's Signal contact info or try to search for it.

Question: Brandon Signal phone number contact E.164


No API key found for provider "openai". Auth store: /Users/brandon/.openclaw/agents/main/agent/auth-profiles.json (agentDir: /Users/brandon/.openclaw/agents/main/agent). Configure auth for this agent (openclaw agents add <id>) or copy auth-profiles.json from the main agentDir.

No API key found for provider "google". Auth store: /Users/brandon/.openclaw/agents/main/agent/auth-profiles.json (agentDir: /Users/brandon/.openclaw/agents/main/agent). Configure auth for this agent (openclaw agents add <id>) or copy auth-profiles.json from the main agentDir.


Memory search is disabled due to missing API keys. This is a cron job from Ledger, so I'm in an isolated session. I need to find another way to get Brandon's Signal ID or just deliver directly. Since this is a cron task for Ledger, maybe I should check if there's a default delivery target configured or just return my response to this session which will get delivered.

Actually, looking at the cron configuration in AGENTS.md, it says agentTurn can have "deliver" and "channel" options. But since I'm in a session triggered by a cron job, there might be a way to just reply and have it deliver.

Let me check if I can just send a normal reply and it will be delivered, or look for a config file with Brandon's Signal info.

exec

grep -r "signal" ~/.openclaw/config.yaml 2>/dev/null | head -20


Let me check the gateway config to find the Signal setup and Brandon's phone number.


I can see Brandon's phone number in the allowFrom list: +12817509483. The Signal account is +12135792424 (Link's number). Let me send the message using Brandon's E.164 format phone number.

message

☀ Good morning!

📊 Daily Financial Pulse — Feb 5

⚠ Couldn't pull fresh numbers today. The Monarch Money session got corrupted and I need the 1Password app unlocked to refresh it.

When you're up:
~/.monarch-money/refresh_session.sh

...or just tell me "refresh monarch" and I'll help.

— Link 🔗


Message sent successfully. Now I should log this issue so we remember to fix it. Let me write a note to the daily memory file.

exec

mkdir -p /Users/brandon/.openclaw/workspace/memory && cat /Users/brandon/.openclaw/workspace/memory/2025-02-05.md 2>/dev/null || echo "File doesn't exist yet"


File doesn't exist yet


The date is actually 2026-02-05, not 2025. Let me create the proper file.

write

---
created: 2026-02-05T06:00
---
# February 5, 2026

## 6:00 AM — Daily Financial Pulse (Cron)

- **Issue:** Monarch Money session pickle corrupted (`~/.monarch-money/.mm/mm_session.pickle`)
- **Root cause:** Pickle data truncated, possibly from incomplete write
- **Fix needed:** Run `~/.monarch-money/refresh_session.sh` with 1Password app unlocked
- **Sent:** Signal notification to Brandon about the issue

### Technical Notes
- Installed `monarchmoney` pip package (was missing)
- Session refresh requires 1Password desktop app to be unlocked for `op signin`
- Refresh script path references `/tmp/monarch-mcp-server/.venv/bin/activate` which may no longer exist — may need fixing


Successfully wrote 687 bytes to /Users/brandon/.openclaw/workspace/memory/2026-02-05.md


Good. I've:
1. Attempted to query Monarch Money but found the session corrupted
2. Tried to refresh via 1Password but the app isn't unlocked at 6am
3. Sent Brandon a Signal message explaining the situation
4. Logged the issue to today's memory file

Since I used the message tool to deliver my reply directly to Brandon via Signal, I should respond with NO_REPLY to avoid a duplicate message.