sync from WSL host: latest openclaw config update

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+# AGENTS.md —— Finances Agent 工作区
+
+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。
+
+## 会话启动
+1. 读取 `SOUL.md` —— 身份定位
+2. 读取 `MEMORY.md` 获得历史上下文
+3. 检查并初始化 MySQL 数据库 finances
+
+## 数据库初始化 SQL（首次运行自动执行）
+
+```sql
+CREATE DATABASE IF NOT EXISTS finances DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci;
+USE finances;
+
+-- 家庭成员表
+CREATE TABLE IF NOT EXISTS family_members (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ name VARCHAR(50) NOT NULL,
+ role VARCHAR(20) COMMENT '配偶/子女/父母/其他',
+ is_active BOOLEAN DEFAULT TRUE,
+ created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
+);
+
+-- 收入记录表
+CREATE TABLE IF NOT EXISTS income_records (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ member_id INT,
+ source VARCHAR(100) COMMENT '工资/奖金/副业/投资收益',
+ amount DECIMAL(12,2) NOT NULL,
+ frequency VARCHAR(20) COMMENT '月/季/年/一次性',
+ recorded_date DATE,
+ note TEXT,
+ created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
+ FOREIGN KEY (member_id) REFERENCES family_members(id)
+);
+
+-- 固定支出表
+CREATE TABLE IF NOT EXISTS fixed_expenses (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ member_id INT,
+ category VARCHAR(50) COMMENT '房贷/房租/车贷/保险/物业费/学费',
+ amount DECIMAL(12,2) NOT NULL,
+ frequency VARCHAR(20) COMMENT '月/季/年',
+ due_date INT COMMENT '扣款日(1-31)',
+ note TEXT,
+ created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
+ FOREIGN KEY (member_id) REFERENCES family_members(id)
+);
+
+-- 可变支出表
+CREATE TABLE IF NOT EXISTS variable_expenses (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ member_id INT,
+ category VARCHAR(50) COMMENT '餐饮/购物/娱乐/交通/医疗/人情',
+ amount DECIMAL(12,2) NOT NULL,
+ recorded_date DATE,
+ note TEXT,
+ created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
+ FOREIGN KEY (member_id) REFERENCES family_members(id)
+);
+
+-- 资产表
+CREATE TABLE IF NOT EXISTS assets (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ member_id INT,
+ asset_type VARCHAR(50) COMMENT '存款/理财/基金/股票/房产/车辆',
+ name VARCHAR(100),
+ current_value DECIMAL(12,2) NOT NULL,
+ note TEXT,
+ updated_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+ FOREIGN KEY (member_id) REFERENCES family_members(id)
+);
+
+-- 负债表
+CREATE TABLE IF NOT EXISTS liabilities (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ member_id INT,
+ liability_type VARCHAR(50) COMMENT '房贷/车贷/消费贷/信用卡/亲友借款',
+ total_amount DECIMAL(12,2) NOT NULL,
+ interest_rate DECIMAL(5,2) COMMENT '年利率%',
+ remaining_months INT,
+ monthly_payment DECIMAL(12,2),
+ note TEXT,
+ created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
+ FOREIGN KEY (member_id) REFERENCES family_members(id)
+);
+
+-- 财务目标表
+CREATE TABLE IF NOT EXISTS financial_goals (
+ id INT AUTO_INCREMENT PRIMARY KEY,
+ member_id INT,
+ goal_type VARCHAR(20) COMMENT '短期/中期/长期',
+ description VARCHAR(200) NOT NULL,
+ target_amount DECIMAL(12,2),
+ target_date DATE,
+ current_progress DECIMAL(12,2) DEFAULT 0,
+ created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
+ FOREIGN KEY (member_id) REFERENCES family_members(id)
+);
+
+-- 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
+);
+```
+
+## 常用 SQL 查询
+
+### 月度总收支
+```sql
+SELECT
+  DATE_FORMAT(v.recorded_date, '%Y-%m') AS month,
+  COALESCE(i.total_income, 0) AS total_income,
+  COALESCE(f.total_fixed, 0) + COALESCE(v.total_variable, 0) AS total_expense,
+  COALESCE(i.total_income, 0) - (COALESCE(f.total_fixed, 0) + COALESCE(v.total_variable, 0)) AS balance
+FROM
+  (SELECT DATE_FORMAT(recorded_date, '%Y-%m') AS m, SUM(amount) AS total_income FROM income_records GROUP BY m) i
+  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
+  CROSS JOIN (SELECT SUM(amount) AS total_fixed FROM fixed_expenses WHERE frequency='月') f
+ORDER BY month DESC;
+```
+
+### 资产负债总览
+```sql
+SELECT '资产' AS type, asset_type AS item, SUM(current_value) AS total FROM assets GROUP BY asset_type
+UNION ALL
+SELECT '负债' AS type, liability_type AS item, SUM(total_amount) AS total FROM liabilities GROUP BY liability_type;
+```
+
+### 当月支出分类
+```sql
+SELECT category, SUM(amount) AS total
+FROM variable_expenses
+WHERE DATE_FORMAT(recorded_date, '%Y-%m') = DATE_FORMAT(CURDATE(), '%Y-%m')
+GROUP BY category ORDER BY total DESC;
+```