---
created: 2026-02-16T20:11
updated: 2026-02-17T09:28
---
# 2026-02-16 — Financial Pulse v2 Build Day

## Major Accomplishments

### Financial Pulse v2 — Complete Rebuild
- **Root cause of 5am error:** Old cron job → Monarch 401 → `op` hung (no service account token in env) → `find ~` timed out
- **Fix chain:**
  1. Refreshed Monarch Money session via `monarchmoney` library `multi_factor_authenticate()` (curl_cffi blocked by Cloudflare)
  2. Added `OP_SERVICE_ACCOUNT_TOKEN` to `~/Library/LaunchAgents/ai.openclaw.gateway.plist`, reloaded launchd
  3. Brandon granted Full Disk Access to `/opt/homebrew/bin/node` (TCC fix for op CLI)
  4. Confirmed `op` works in gateway context (852-char token, starts `ops_eyJ...`)

### New System Architecture
- **Script:** `~/.openclaw/scripts/financial-pulse-v2.py` — structured JSON output (balances, debt trajectory, spending rules audit, category breakdowns, pattern detection, milestone tracking, auto-refresh)
- **n8n workflow** `GuERh3uI92IP8h9M` ("Financial Pulse v2 — Daily Money Coach") — cron `0 6 * * *` America/Denver
- **Flow:** n8n cron → OpenClaw webhook (`http://192.168.7.6:18789/hooks/agent`) → Ledger agent → runs script → crafts personalized briefing → Signal DM
- **Replaced 4 separate systems:** Daily pulse cron + Debt Milestone + Spending Alert + Subscription Audit
- **Disabled:** Old cron `67d33686`, n8n workflows `YEOJnTTQjtne26qB`, `2k3WnqfdnrTyhfs7`, `23kH3gJXPQSiOvZI`
- **State tracking:** `~/.openclaw/data/finance/pulse-state.json` (30-day debt/spending history, streaks, milestones)
- **Successfully test-fired end-to-end** — Ledger delivered via Signal ✅

### Transaction Review (Feb 9-16, 30 txns)
- Brandon explained key transactions:
  - Sky High Pie = pizza for group
  - Stater Bros = beer/liquor for camp weekend
  - The Dez = lunch in Joshua Tree
  - Walmart $341.73 = cabin supplies
- **Cozy Earth $116.37** — unresolved. No receipt at disorganizednetworks@proton.me. Cozy Earth is bedding/sheets. May be on different email account. Awaiting Brandon.
- **Pending recategorizations:** Apple $37.95 (→Subscriptions), Walmart $341.73 (→Home/Cabin), Cozy Earth (→TBD)

### Subscription Audit
- First run completed — all flagged as "new" (no baseline yet)

### Email Search (Proton Bridge IMAP)
- Searched localhost:1143 for Cozy Earth — nothing by subject, sender, or date
- Found other receipts: Americana Motor Hotel, Vaqueros (Clover), Cancun flight, Amazon orders (Nomadix Poncho Towel, CASILVA Eucalyptus Sheets, Jetboil Pot Support, Afterparty Love Wipes)

## Weekly Financial Report PDF (for Tari)
- **Script:** `~/.openclaw/scripts/financial-report-pdf.py` (reportlab + matplotlib)
- **Data:** `~/.openclaw/data/finance/report-data.json`
- Built iteratively through 12 versions in one session
- Page 1: Account Summary (locked) — metric cards, side-by-side bar+line charts, net worth trends, narrative
- Page 2: Goals, Targets & Compliance — grade card, day-by-day table, violations panel
- Page 3: Weekly Cashflow + Monthly Comparison + Daily Spending chart
- Page 4: Spending by Category (pie + table)
- Page 5: All Transactions
- Key: reportlab can't render emoji, use text. Paragraph() needed for text wrapping in table cells.
- Monarch APIs used: `snapshotsForAccount` (per-account history), `aggregateSnapshots` (by type)
- pymupdf (fitz) installed for PDF→PNG preview during design iteration

## Key Technical Notes
- `monarchmoney` Python library works for auth; `curl_cffi` blocked by Cloudflare on login
- n8n API key expires **March 5, 2026** — need to rotate before then
- Webhook token: `grocery-webhook-token-2026`
- Gateway hooks config: `hooks.enabled=true`, `allowedAgentIds: ["*"]`