cdinnison/ray-finance ? reverse-engineered prompt

Build me a privacy focused personal finance app that works like an AI financial advisor, not just a budgeting dashboard.

I want a command line tool that can connect to bank accounts, pull in transactions and balances, and keep everything in a local encrypted database. It should let me chat with it like, can I afford this, what should I do about my debt, how am I doing this month, and it should answer with clear advice based on my actual numbers and goals, not generic tips.

Please include a setup flow for adding my profile, linking accounts, and choosing an AI provider, plus a demo mode with fake data so I can try it without real accounts. I also want spending summaries, budgets, goals, alerts for big charges or low balances, a daily score or streaks, and export and import for backups.

If you need to check current docs for bank or AI integrations, look them up online.