aakarshmehta1998/penny ? reverse-engineered prompt

Build me a small but polished personal finance app called Penny.

I want people to be able to sign up, create a household, invite family members, and track money together with different access levels like full access, read only, and kid accounts that roll up into the parent account. The app should let users add and edit transactions, set monthly budgets and savings goals, track bills, investments, and net worth, and see a clear dashboard that makes the daily money stuff easy.

Please include a built in assistant that can understand simple requests like logging a purchase, answering spending questions, and helping with whether someone can afford a trip. It should also be able to scan receipts or statements from a photo or PDF. Make it fast, clean, mobile friendly, and usable as an installable app.

Use the existing project setup and look up any current docs online if you need to.