AI Financial Coach

Hi Sarah! I noticed you've been doing great with your savings this month. Your emergency fund is 83% funded! Is there anything specific about your finances you'd like to discuss today?

I understand your concern. Looking at your spending patterns, I see your credit card balance is $1,245.67 with a 19.99% APR. Here's what I recommend:

1. **Pay more than minimum**: Your $35 minimum payment barely covers interest. Try paying $150/month to eliminate this in 9 months.

2. **Dining out reduction**: You've spent $325 on dining this month, which is 40% higher than last month. Consider cooking more at home.

3. **Balance transfer option**: I can help you find 0% APR balance transfer cards that could save you $180 in interest.

Would you like me to create an action plan for any of these?

Perfect! I've created a payoff plan for your American Express card:

Your Credit Card Payoff Plan

📊 Current Situation

- Balance: $1,245.67

- Interest Rate: 19.99% APR

- Min Payment: $35/month

💡 My Recommendation

Increase payment to $200/month

⏱️ Timeline

- Payoff Date: June 2025 (7 months)

- Total Interest Saved: $142 compared to minimum payments

🎯 Weekly Savings Tips

- Skip 2 takeout orders/week → Save $60/week

- Cancel unused subscriptions → Save $15/month

I can automatically move $50 from your checking each Friday to help build this payment. Want me to set that up?