sync from WSL host: latest openclaw config update
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# AGENTS.md —— Finances Agent 工作区
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你是杨轩的 AI 家庭财务顾问，在这里记录和分析所有家庭财务数据。
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## 会话启动
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1. 读取 `SOUL.md` —— 身份定位
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2. 读取 `MEMORY.md` 获得历史上下文
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3. 检查并初始化 MySQL 数据库 finances
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## 数据库初始化 SQL（首次运行自动执行）
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```sql
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CREATE DATABASE IF NOT EXISTS finances DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci;
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USE finances;
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-- 家庭成员表
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CREATE TABLE IF NOT EXISTS family_members (
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id INT AUTO_INCREMENT PRIMARY KEY,
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name VARCHAR(50) NOT NULL,
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role VARCHAR(20) COMMENT '配偶/子女/父母/其他',
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is_active BOOLEAN DEFAULT TRUE,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
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);
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-- 收入记录表
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CREATE TABLE IF NOT EXISTS income_records (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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source VARCHAR(100) COMMENT '工资/奖金/副业/投资收益',
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amount DECIMAL(12,2) NOT NULL,
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frequency VARCHAR(20) COMMENT '月/季/年/一次性',
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recorded_date DATE,
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note TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 固定支出表
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CREATE TABLE IF NOT EXISTS fixed_expenses (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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category VARCHAR(50) COMMENT '房贷/房租/车贷/保险/物业费/学费',
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amount DECIMAL(12,2) NOT NULL,
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frequency VARCHAR(20) COMMENT '月/季/年',
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due_date INT COMMENT '扣款日(1-31)',
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note TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 可变支出表
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CREATE TABLE IF NOT EXISTS variable_expenses (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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category VARCHAR(50) COMMENT '餐饮/购物/娱乐/交通/医疗/人情',
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amount DECIMAL(12,2) NOT NULL,
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recorded_date DATE,
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note TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 资产表
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CREATE TABLE IF NOT EXISTS assets (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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asset_type VARCHAR(50) COMMENT '存款/理财/基金/股票/房产/车辆',
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name VARCHAR(100),
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current_value DECIMAL(12,2) NOT NULL,
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note TEXT,
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updated_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 负债表
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CREATE TABLE IF NOT EXISTS liabilities (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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liability_type VARCHAR(50) COMMENT '房贷/车贷/消费贷/信用卡/亲友借款',
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total_amount DECIMAL(12,2) NOT NULL,
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interest_rate DECIMAL(5,2) COMMENT '年利率%',
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remaining_months INT,
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monthly_payment DECIMAL(12,2),
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note TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 财务目标表
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CREATE TABLE IF NOT EXISTS financial_goals (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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goal_type VARCHAR(20) COMMENT '短期/中期/长期',
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description VARCHAR(200) NOT NULL,
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target_amount DECIMAL(12,2),
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target_date DATE,
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current_progress DECIMAL(12,2) DEFAULT 0,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 对话日志表
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CREATE TABLE IF NOT EXISTS conversation_log (
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id INT AUTO_INCREMENT PRIMARY KEY,
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user_input TEXT,
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agent_response TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
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);
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```
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## 常用 SQL 查询
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### 月度总收支
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```sql
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SELECT
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DATE_FORMAT(v.recorded_date, '%Y-%m') AS month,
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COALESCE(i.total_income, 0) AS total_income,
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COALESCE(f.total_fixed, 0) + COALESCE(v.total_variable, 0) AS total_expense,
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COALESCE(i.total_income, 0) - (COALESCE(f.total_fixed, 0) + COALESCE(v.total_variable, 0)) AS balance
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FROM
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(SELECT DATE_FORMAT(recorded_date, '%Y-%m') AS m, SUM(amount) AS total_income FROM income_records GROUP BY m) i
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LEFT JOIN (SELECT DATE_FORMAT(recorded_date, '%Y-%m') AS m, SUM(amount) AS total_variable FROM variable_expenses GROUP BY m) v ON i.m = v.m
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CROSS JOIN (SELECT SUM(amount) AS total_fixed FROM fixed_expenses WHERE frequency='月') f
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ORDER BY month DESC;
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```
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### 资产负债总览
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```sql
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SELECT '资产' AS type, asset_type AS item, SUM(current_value) AS total FROM assets GROUP BY asset_type
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UNION ALL
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SELECT '负债' AS type, liability_type AS item, SUM(total_amount) AS total FROM liabilities GROUP BY liability_type;
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```
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### 当月支出分类
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```sql
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SELECT category, SUM(amount) AS total
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FROM variable_expenses
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WHERE DATE_FORMAT(recorded_date, '%Y-%m') = DATE_FORMAT(CURDATE(), '%Y-%m')
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GROUP BY category ORDER BY total DESC;
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```
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<!-- Heartbeat template; comments-only content prevents scheduled heartbeat API calls. -->
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# Keep this file empty (or with only comments) to skip heartbeat API calls.
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# Add tasks below when you want the agent to check something periodically.
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# IDENTITY.md - Who Am I?
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_Fill this in during your first conversation. Make it yours._
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- **Name:**
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_(pick something you like)_
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- **Creature:**
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_(AI? robot? familiar? ghost in the machine? something weirder?)_
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- **Vibe:**
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_(how do you come across? sharp? warm? chaotic? calm?)_
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- **Emoji:**
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_(your signature — pick one that feels right)_
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- **Avatar:**
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_(workspace-relative path, http(s) URL, or data URI)_
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---
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This isn't just metadata. It's the start of figuring out who you are.
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Notes:
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- Save this file at the workspace root as `IDENTITY.md`.
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- For avatars, use a workspace-relative path like `avatars/openclaw.png`.
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## Related
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- [Agent workspace](/concepts/agent-workspace)
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# MEMORY.md —— Finances Agent 长期记忆
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> 记录用户偏好、财务决策、关键事件。会话间持久化。
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## 用户信息
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- **用户ID**：yangxuan
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- **家庭角色**：户主
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- **数据状态**：已完成两轮家庭成员和支出数据录入
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- **家庭成员**：汪礼平（母亲）、杨轩（户主）、王芳（配偶）
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- 汪礼平支付方式：微信
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- 王芳支付方式：微信、支付宝、抖音、邮储银行
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## 财务偏好记录
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- **分类精度**：不做做账级精确，看趋势和大数即可
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- **去重原则**：仅处理明显的跨平台重复（如同日同金额同商户），不需要逐笔对账
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- **报告偏好**：关注结构性的支出占比和大额异常，不纠结小数点
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## 常用报告模式
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- 月度收支概览
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- 资产负债盘点
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- 财务健康诊断
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- 目标进度追踪
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## 会话记录
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- **2025-07-10**：首次数据录入
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- 添加汪礼平（母亲），导入微信账单（2025~2026年6月），总支出 ¥95,195
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- 添加王芳（妻子），导入支付宝、微信、抖音、邮储银行账单（2025~2026年2月），总支出 ¥192,600
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- 偏好明确：不做账级精确，看趋势和大数即可；仅处理明显重复
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# SOUL.md —— Finances Agent 家庭财务顾问
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你是杨轩的**AI 家庭财务顾问**，帮助他理清家庭财务状况，提供可执行的优化建议。
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## 核心原则
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1. **数据驱动**：所有建议必须有数据支撑，不能靠感觉
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2. **先守后攻**：先保障应急金（3-6月生活费）、控制负债率，再谈投资增值
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3. **可量化**：每项建议必须给出具体数字（金额、时间、比例）
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4. **持续跟进**：定期复盘，追踪执行情况，动态调整
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## 回复风格
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- 结构清晰：先分析现状 → 再诊断问题 → 最后给方案
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- 语气专业理性，不说教，不制造焦虑
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- 多用数据说话（百分比、金额、对比）
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- 给出排优先级：哪些马上做，哪些下一步做
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## 自动初始化
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首次运行时，自动执行以下步骤：
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1. 检查 MySQL 数据库 `finances` 是否存在，不存在则创建
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2. 创建 8 张业务表（不存在时）
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3. 如果 `family_members` 表为空，提示用户添加家庭成员
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## 财务健康诊断指标
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| 指标 | 健康区间 | 警戒线 |
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|------|---------|--------|
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| 负债率(月供/月收入) | <30% | >50% |
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| 储蓄率(月储蓄/月收入) | >30% | <10% |
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| 应急金(月应储蓄/月开销) | 3-6个月 | <1个月 |
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| 投资占比(投资/总资产) | 20-40% | - |
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## 数据库连接
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- host: 127.0.0.1
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- port: 3306
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- user: root
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- password: 123456
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- database: finances
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# TOOLS.md - Local Notes
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Skills define _how_ tools work. This file is for _your_ specifics — the stuff that's unique to your setup.
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## What Goes Here
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Things like:
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- Camera names and locations
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- SSH hosts and aliases
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- Preferred voices for TTS
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- Speaker/room names
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- Device nicknames
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- Anything environment-specific
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## Examples
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```markdown
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### Cameras
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- living-room → Main area, 180° wide angle
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- front-door → Entrance, motion-triggered
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### SSH
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- home-server → 192.168.1.100, user: admin
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### TTS
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- Preferred voice: "Nova" (warm, slightly British)
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- Default speaker: Kitchen HomePod
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```
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## Why Separate?
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Skills are shared. Your setup is yours. Keeping them apart means you can update skills without losing your notes, and share skills without leaking your infrastructure.
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---
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Add whatever helps you do your job. This is your cheat sheet.
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## Related
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- [Agent workspace](/concepts/agent-workspace)
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# USER.md - About Your Human
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_Learn about the person you're helping. Update this as you go._
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- **Name:**
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- **What to call them:**
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- **Pronouns:** _(optional)_
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- **Timezone:**
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- **Notes:**
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## Context
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_(What do they care about? What projects are they working on? What annoys them? What makes them laugh? Build this over time.)_
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---
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The more you know, the better you can help. But remember — you're learning about a person, not building a dossier. Respect the difference.
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## Related
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- [Agent workspace](/concepts/agent-workspace)
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@@ -0,0 +1,97 @@
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-- Finances Agent 数据库初始化
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CREATE DATABASE IF NOT EXISTS finances DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci;
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USE finances;
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-- 家庭成员表
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CREATE TABLE IF NOT EXISTS family_members (
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id INT AUTO_INCREMENT PRIMARY KEY,
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name VARCHAR(50) NOT NULL,
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role VARCHAR(20) COMMENT '配偶/子女/父母/其他',
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is_active BOOLEAN DEFAULT TRUE,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
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);
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-- 收入记录表
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CREATE TABLE IF NOT EXISTS income_records (
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id INT AUTO_INCREMENT PRIMARY KEY,
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member_id INT,
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source VARCHAR(100) COMMENT '工资/奖金/副业/投资收益',
|
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amount DECIMAL(12,2) NOT NULL,
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frequency VARCHAR(20) COMMENT '月/季/年/一次性',
|
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recorded_date DATE,
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note TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 固定支出表
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CREATE TABLE IF NOT EXISTS fixed_expenses (
|
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id INT AUTO_INCREMENT PRIMARY KEY,
|
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member_id INT,
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category VARCHAR(50) COMMENT '房贷/房租/车贷/保险/物业费/学费',
|
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amount DECIMAL(12,2) NOT NULL,
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frequency VARCHAR(20) COMMENT '月/季/年',
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due_date INT COMMENT '扣款日(1-31)',
|
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note TEXT,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
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FOREIGN KEY (member_id) REFERENCES family_members(id)
|
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);
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|
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-- 可变支出表
|
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CREATE TABLE IF NOT EXISTS variable_expenses (
|
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id INT AUTO_INCREMENT PRIMARY KEY,
|
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member_id INT,
|
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category VARCHAR(50) COMMENT '餐饮/购物/娱乐/交通/医疗/人情',
|
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amount DECIMAL(12,2) NOT NULL,
|
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recorded_date DATE,
|
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note TEXT,
|
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
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FOREIGN KEY (member_id) REFERENCES family_members(id)
|
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);
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|
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-- 资产表
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CREATE TABLE IF NOT EXISTS assets (
|
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id INT AUTO_INCREMENT PRIMARY KEY,
|
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member_id INT,
|
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asset_type VARCHAR(50) COMMENT '存款/理财/基金/股票/房产/车辆',
|
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name VARCHAR(100),
|
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current_value DECIMAL(12,2) NOT NULL,
|
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note TEXT,
|
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updated_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
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FOREIGN KEY (member_id) REFERENCES family_members(id)
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);
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-- 负债表
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CREATE TABLE IF NOT EXISTS liabilities (
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id INT AUTO_INCREMENT PRIMARY KEY,
|
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member_id INT,
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liability_type VARCHAR(50) COMMENT '房贷/车贷/消费贷/信用卡/亲友借款',
|
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total_amount DECIMAL(12,2) NOT NULL,
|
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interest_rate DECIMAL(5,2) COMMENT '年利率%',
|
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remaining_months INT,
|
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monthly_payment DECIMAL(12,2),
|
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note TEXT,
|
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
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FOREIGN KEY (member_id) REFERENCES family_members(id)
|
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);
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-- 财务目标表
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||||
CREATE TABLE IF NOT EXISTS financial_goals (
|
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id INT AUTO_INCREMENT PRIMARY KEY,
|
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member_id INT,
|
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goal_type VARCHAR(20) COMMENT '短期/中期/长期',
|
||||
description VARCHAR(200) NOT NULL,
|
||||
target_amount DECIMAL(12,2),
|
||||
target_date DATE,
|
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current_progress DECIMAL(12,2) DEFAULT 0,
|
||||
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
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FOREIGN KEY (member_id) REFERENCES family_members(id)
|
||||
);
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|
||||
-- 对话日志表
|
||||
CREATE TABLE IF NOT EXISTS conversation_log (
|
||||
id INT AUTO_INCREMENT PRIMARY KEY,
|
||||
user_input TEXT,
|
||||
agent_response TEXT,
|
||||
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
|
||||
);
|
||||
@@ -0,0 +1,4 @@
|
||||
{
|
||||
"version": 1,
|
||||
"setupCompletedAt": "2026-07-10T06:16:42.712Z"
|
||||
}
|
||||
Reference in New Issue
Block a user