Monarch Finance Review

The session state file records the last pull date and the open watch-list, so the skill fetches only newer transactions through Monarch’s own authenticated client in the browser. Targeted questions skip pulling entirely, a full 10,000-row re-pull would eat the whole session.

With ~25 cards generating heavy statement credits, gross numbers lie. Every category nets against its credits, variable lines budget off the recent 2–3 month run-rate, business costs stay out of the household picture, and the card-benefit check surfaces the real money left on the table: unused credits, not “cuttable” subscriptions that exist to capture them.

The budget tab is owner-managed: the skill flags material drift and asks, never bulk-rewrites. Recurring streams and equity reconciliation update through Monarch’s own mutation layer, dashboards regenerate, and the session ends by rewriting the state file so the next run starts exactly here.