Read HEARTBEAT.md if it exists (workspace context). Follow it strictly. Do not infer or repeat old tasks from prior chats. If nothing needs attention, reply HEARTBEAT_OK.


This is a heartbeat poll. HEARTBEAT.md was already loaded in the project context, and it shows:

```
# Keep this file empty (or with only comments) to skip heartbeat API calls.

# Add tasks below when you want the agent to check something periodically.
```

The file only contains comments - no actual tasks. According to my instructions, if nothing needs attention, I should reply exactly HEARTBEAT_OK.


This is another heartbeat poll. HEARTBEAT.md was already loaded in the project context and contains only comments - no actual tasks to perform. Nothing needs attention.


System: [2026-02-06 06:00:00 MST] REMINDER: Brandon needs to pack his pillow and bathroom stuff before leaving for Joshua Tree!

Read HEARTBEAT.md if it exists (workspace context). Follow it strictly. Do not infer or repeat old tasks from prior chats. If nothing needs attention, reply HEARTBEAT_OK.


There's a system reminder that came in: Brandon needs to pack his pillow and bathroom stuff before leaving for Joshua Tree.

This is actionable - I should notify Brandon about this reminder. According to MEMORY.md, Brandon is doing a road trip Feb 7-9 and then living in Joshua Tree cabin starting Feb 9. Today is Feb 6, so he's leaving tomorrow.

I should send him a message about this reminder. This is something that needs attention, so I should NOT reply HEARTBEAT_OK.

Got a reminder firing — Brandon needs a heads up before he leaves.

message

🎒 Packing reminder: Don't forget your pillow and bathroom stuff before heading out to Joshua Tree!


🎒 Packing reminder: Don't forget your pillow and bathroom stuff before heading out to Joshua Tree!


Sent the reminder to Brandon via Signal. Done.

Reminder delivered via Signal. Safe travels! 🏜


This is a heartbeat poll. HEARTBEAT.md contains only comments - no actual tasks. The previous reminder was already handled (sent to Brandon). Nothing new needs attention.


Standard heartbeat poll. HEARTBEAT.md only has comments, no tasks. Nothing needs attention.


Another heartbeat poll. HEARTBEAT.md still only contains comments, no actual tasks to perform. Nothing needs attention.


[Signal Brandon id:+12817509483 +1m 2026-02-06 09:01 MST] Thanks. Remind me again at noon today
[message_id: 1770393710160]


Brandon wants another reminder at noon today (Feb 6) about the packing stuff. I should set up a cron job to remind him at noon MST.

Noon in America/Denver timezone is 12:00 PM MST.

cron

Packing reminder - noon

REMINDER: Ping Brandon again about packing his pillow and bathroom stuff for Joshua Tree!


Set up the reminder for noon MST. It's confirmed - the cron job will fire at 12:00 PM MST (19:00 UTC) today. I should acknowledge to Brandon.

👍 Set — I'll ping you again at noon.


[Signal Brandon id:+12817509483 +27s 2026-02-06 09:02 MST] Today’s financial pulse
[message_id: 1770393747869]


Brandon wants his daily financial pulse. I need to query Monarch Money for his financial data. According to MEMORY.md:

- Monarch Money API connected via `monarchmoney-enhanced` Python library
- Session stored at `~/.monarch-money/.mm/`
- Query script: `~/.monarch-money/query.py`
- Credentials pulled from 1Password (`Monarchmoney` item)

Let me run the query script to get the financial info.


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 2793, in load_session
    with open(filename, "rb") as fh:
FileNotFoundError: [Errno 2] No such file or directory: '/Users/brandon/.monarch-money/.mm/mm_session.pickle'

Command exited with code 1


The session file is missing. According to MEMORY.md, there's a refresh script I can run. Let me try that.

"Monarch Money session may need refresh if API calls fail (run `~/.monarch-money/refresh_session.sh`)"

Let me try running that.

Session expired — refreshing via 1Password.


2026-02-06 09:02:40,068 - monarchmoney - WARNING - Using default password for session encryption. Consider providing explicit password for better security.
2026-02-06 09:02:40,082 - AuthenticationService - INFO - Attempting user login - {'email': 'monarchmoney@dmd.la'}
2026-02-06 09:02:41,564 - AuthenticationService - INFO - Login successful - {'email': 'monarchmoney@dmd.la'}
2026-02-06 09:02:41,565 - monarchmoney - WARNING - Using default password for session encryption. Consider providing explicit password for better security.
2026-02-06 09:02:41,595 - AuthenticationService - INFO - Session saved successfully - {'session_file': '.mm/mm_session.pickle'}
2026-02-06 09:02:41,595 - AccountService - INFO - Fetching accounts
/private/tmp/monarch-mcp-server/.venv/lib/python3.14/site-packages/gql/transport/aiohttp.py:92: UserWarning: WARNING: By default, AIOHTTPTransport does not verify ssl certificates. This will be fixed in the next major version. You can set ssl=True to force the ssl certificate verification or ssl=False to disable this warning
  warnings.warn(
🏦 Logging into Monarch Money as monarchmoney@dmd.la...
✅ Login successful!
🔍 Testing connection...
✅ Found 20 accounts:
   - checking (...0882): $9.03
   - RBEST CHECKING (...5612): $5,846.82
   - PERSONAL SAVINGS (...6609): $2.00
   - Platinum Card® (...2005): $-4,394.61
   - CREDIT CARD (...4394): $-9,594.05
   ... and 15 more

🎉 Session saved to .mm directory!


Session refreshed. Now let me run the query again to get the full financial pulse.


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


Different error now - session file is corrupted. The refresh script saved to the venv path but the query script is looking elsewhere. Let me check the file locations and fix this. The refresh script saved to `.mm/mm_session.pickle` but from a different working directory. Let me check where each script is looking.

Session file path mismatch — fixing.

exec

ls -la ~/.monarch-money/.mm/ && ls -la /private/tmp/monarch-mcp-server/.venv/.mm/ 2>/dev/null || echo "Checking other paths..." && find ~ -name "mm_session.pickle" 2>/dev/null | head -5


Command still running (session wild-valley, pid 86073). Use process (list/poll/log/write/kill/clear/remove) for follow-up.

total 8
drwxr-xr-x@ 3 brandon  staff    96 Feb  6 09:02 .
drwxr-xr-x@ 7 brandon  staff   224 Feb  4 02:18 ..
-rw-r--r--@ 1 brandon  staff  1164 Feb  6 09:02 mm_session.pickle
Checking other paths...


total 8
drwxr-xr-x@ 3 brandon  staff    96 Feb  6 09:02 .
drwxr-xr-x@ 7 brandon  staff   224 Feb  4 02:18 ..
-rw-r--r--@ 1 brandon  staff  1164 Feb  6 09:02 mm_session.pickle
Checking other paths...

Process still running.


File exists at `~/.monarch-money/.mm/mm_session.pickle` (1164 bytes). But it says pickle was truncated. Let me check the refresh script to understand why - maybe it saved to a different location. The refresh script output said it saved to `.mm/mm_session.pickle` - which relative to its working directory might be somewhere else. Let me check where the refresh script actually saved it.

exec

ls -la /private/tmp/monarch-mcp-server/.mm/ 2>/dev/null && cat ~/.monarch-money/refresh_session.sh


total 8
drwxr-xr-x@  3 brandon  wheel    96 Feb  4 02:16 .
drwxr-xr-x@ 17 brandon  wheel   544 Feb  4 02:16 ..
-rw-r--r--@  1 brandon  wheel  1164 Feb  4 02:16 mm_session.pickle
#!/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=$(op item get 'Monarchmoney' --vault OpenClaw --format=json)
MONARCH_EMAIL=$(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


I see - the refresh script runs from `~/.monarch-money` but uses the venv from `/tmp/monarch-mcp-server/`. The venv's monarchmoney library seems to save to `.mm` relative to its own path possibly. Let me copy the fresh session file from the venv location to where query.py expects it. Actually wait, the script says it saved to `.mm/mm_session.pickle` and the output showed the file in `~/.monarch-money/.mm/` is 1164 bytes from 09:02 today. So it should have updated. Maybe the file is actually fine but there's a library version mismatch.Let me try using the same Python environment that the refresh script used.

cd ~/.monarch-money && source /tmp/monarch-mcp-server/.venv/bin/activate && python3 query.py


2026-02-06 09:03:13,310 - monarchmoney - WARNING - Using default password for session encryption. Consider providing explicit password for better security.
2026-02-06 09:03:13,319 - monarchmoney - INFO - Session loaded securely (legacy mode) - {'session_file': '/Users/brandon/.monarch-money/.mm/mm_session.pickle'}
2026-02-06 09:03:13,319 - AccountService - INFO - Fetching accounts
/private/tmp/monarch-mcp-server/.venv/lib/python3.14/site-packages/gql/transport/aiohttp.py:92: UserWarning: WARNING: By default, AIOHTTPTransport does not verify ssl certificates. This will be fixed in the next major version. You can set ssl=True to force the ssl certificate verification or ssl=False to disable this warning
  warnings.warn(
{
  "checking": {
    "total": 5855.849999999999,
    "accounts": [
      {
        "name": "checking (...0882)",
        "balance": 9.03
      },
      {
        "name": "RBEST CHECKING (...5612)",
        "balance": 5846.82
      }
    ]
  },
  "savings": {
    "total": 29674.82,
    "accounts": [
      {
        "name": "PERSONAL SAVINGS (...6609)",
        "balance": 2.0
      },
      {
        "name": "Savings",
        "balance": 23.77
      },
      {
        "name": "Apple Cash",
        "balance": 0.9
      },
      {
        "name": "HOAG SHELTERED SAVINGS PLAN (...*****1758)",
        "balance": 29648.15
      }
    ]
  },
  "credit_cards": {
    "total": -37376.799999999996,
    "accounts": [
      {
        "name": "Platinum Card\u00ae (...2005)",
        "balance": -4394.61
      },
      {
        "name": "CREDIT CARD (...4394)",
        "balance": -9594.05
      },
      {
        "name": "CREDIT CARD (...8445)",
        "balance": -16058.88
      },
      {
        "name": "Apple Card",
        "balance": -75.0
      },
      {
        "name": "West Elm Key Rewards Visa (...7089)",
        "balance": -3118.69
      },
      {
        "name": "2023 JEEP GRAND CHEROKEE (...9537)",
        "balance": -1223.86
      },
      {
        "name": "Loan verification document",
        "balance": -2911.71
      }
    ]
  },
  "investments": {
    "total": 9.53,
    "accounts": [
      {
        "name": "Individual (...*****1550)",
        "balance": 0
      },
      {
        "name": "PANDORA MEDIA LLC 401(K) PROFIT SHARING PLAN AND TRUST (...*****8542)",
        "balance": 0
      },
      {
        "name": "Robinhood individual (...1451)",
        "balance": 9.53
      }
    ]
  },
  "other": {
    "total": 1200.93,
    "accounts": [
      {
        "name": "SIRI RESTRICTED UNITS (...*****8312)",
        "balance": 0
      },
      {
        "name": "PANDORA ESPP (...*****4955)",
        "balance": 0
      },
      {
        "name": "Coinbase",
        "balance": 0
      },
      {
        "name": "MATTRESS FIRM / SYNCHRONY HOME (...1556)",
        "balance": 1200.93
      }
    ]
  },
  "summary": {
    "total_assets": 36741.130000000005,
    "total_debt": 37376.799999999996,
    "net_worth": -635.669999999991
  }
}


Got it! Now I have fresh financial data. Let me format this into a nice pulse for Brandon.Summary:
- Total Assets: $36,741.13
- Total Debt: $37,376.80
- Net Worth: -$635.67Checking: $5,855.85
- RBEST CHECKING: $5,846.82
- Other checking: $9.03Savings: $29,674.82 (but $29,648.15 is 401k)Credit Cards/Debt: $37,376.80
- CREDIT CARD (...8445): $16,058.88 - highest
- CREDIT CARD (...4394): $9,594.05
- Platinum Card (Amex): $4,394.61
- West Elm Visa: $3,118.69
- Loan document: $2,911.71
- Jeep: $1,223.86
- Apple Card: $75.00Let me format this nicely for Signal.

📊 **Financial Pulse — Feb 6**

**Net Worth:** -$636 *(up from -$3,900 — nice progress!)*

**Cash Available:**
- RBEST Checking: $5,847
- Other: $35

**Debt:** $37,377 total
| Card | Balance |
|------|---------|
| ...8445 | $16,059 |
| ...4394 | $9,594 |
| Amex Plat | $4,395 |
| West Elm | $3,119 |
| Loan | $2,912 |
| Jeep | $1,224 |
| Apple | $75 |

**401k:** $29,648

⚠ Road trip reminder: Budget carefully — you've got ~$5,800 liquid but $80 groceries Sunday + gas + Joshua Tree rent coming.


System: [2026-02-06 09:03:05 MST] Exec failed (wild-val, signal SIGKILL) :: total 8 drwxr-xr-x@ 3 brandon staff 96 Feb 6 09:02 . drwxr-xr-x@ 7 brandon staff 224 Feb 4 02:18 .. -rw-r--r--@ 1 brandon staff 1164 Feb 6 09:02 mm_session.pickle Checking other paths...

Read HEARTBEAT.md if it exists (workspace context). Follow it strictly. Do not infer or repeat old tasks from prior chats. If nothing needs attention, reply HEARTBEAT_OK.


This is just a notification about the earlier exec that got killed (the find command that was taking too long). The financial pulse was already completed and sent to Brandon. This is just a stale system message.

HEARTBEAT.md has no tasks. Nothing new needs attention.


[Signal Brandon id:+12817509483 +44s 2026-02-06 09:04 MST] What’s my budget for today
[message_id: 1770393853530]


Brandon's asking about his budget for today (Thursday, Feb 6). Let me check his spending rules from MEMORY.md:- **Eating out:** NO by default. Saturday dinner only ($40 max).
- **Groceries:** Sunday $80, Wednesday $50
- **Fun money:** $0 weekdays, $20 Fri/Sat combined
- **Anything over $50:** Must text Link firstToday is Thursday (weekday), so:
- Eating out: $0
- Fun money: $0
- No grocery day

Essentially, $0 discretionary spending today. Only essentials/bills.

**Thursday Budget: $0 discretionary**

Per your rules:
- 🍔 Eating out: No (Saturday only)
- 🎮 Fun money: $0 (weekdays are zero)
- 🛒 Groceries: Not today (Sun/Wed)

Essentials only. Anything over $50 → text me first.


Read HEARTBEAT.md if it exists (workspace context). Follow it strictly. Do not infer or repeat old tasks from prior chats. If nothing needs attention, reply HEARTBEAT_OK.


Heartbeat poll. HEARTBEAT.md only contains comments, no tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md has only comments - no tasks. Nothing needs attention.


System: [2026-02-06 12:00:00 MST] REMINDER: Ping Brandon again about packing his pillow and bathroom stuff for Joshua Tree!

Read HEARTBEAT.md if it exists (workspace context). Follow it strictly. Do not infer or repeat old tasks from prior chats. If nothing needs attention, reply HEARTBEAT_OK.


The noon reminder I set earlier is firing. Time to ping Brandon about packing.

message

🕛 Noon check-in: Have you packed your pillow and bathroom stuff yet? Don't forget before you head out!


🕛 Noon check-in: Have you packed your pillow and bathroom stuff yet? Don't forget before you head out!


Noon reminder sent. 🏜


Heartbeat poll. HEARTBEAT.md only has comments, no tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md contains only comments - no actual tasks. Nothing needs attention.


Another heartbeat poll. HEARTBEAT.md has only comments - no tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md has no tasks, only comments. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md only contains comments, no actual tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md only contains comments - no tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md only has comments. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md contains only comments - no tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md has only comments, no tasks. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md has only comments, no tasks to do. Nothing needs attention.


Heartbeat poll. HEARTBEAT.md only has comments - no tasks. Nothing needs attention.