month-heads-up
Runs on the 25th — shows the next 30-day cash-flow outlook and flags anything that needs attention before month-end. Accepts optional 30 or 60 day horizon.
What this skill does
Run the month-end heads-up. Pull forward-looking cash data and give the owner a clear "here's what the next 30 days look like" picture with specific things to watch.
Parse arguments:
- `--horizon` (default: `30`) — forecast window in days (`30` or `60`)
## Step 1 — Current cash position
Using the `cash-flow-snapshot` skill workflow:
1. Pull QuickBooks current cash and receivables balance.
2. Pull PayPal settled balance and pending payouts.
3. Combine for total available + incoming cash.
## Step 2 — Upcoming obligations
1. Pull recurring expenses from QuickBooks (payroll, subscriptions, rent/lease) due in the next 30 days.
2. Pull any outstanding invoices past due or due within 14 days.
3. Flag any payment that would push the balance below a comfortable buffer (default: <$2,000 or owner's QB average monthly expense × 0.5).
## Step 3 — Cash-flow forecast
1. Project 30-day net cash: current balance + expected inflows − known obligations.
2. Identify the single tightest week (lowest projected balance).
3. Flag if any week projects negative.
## Step 4 — Two things to watch
Surface no more than two specific, actionable watches:
- Which invoice(s) to chase now
- Which expense(s) to defer or negotiate
Format as:
```
Month-End Heads Up — {current date}
Horizon: next {X} days
Cash today: ${amount}
Projected end-of-period: ${amount}
Tightest week: {date range} — projected ${amount}
TWO THINGS TO WATCH
1. {item} — {why it matters} — suggested action: {action}
2. {item} — {why it matters} — suggested action: {action}
```
## Connector failures
If QuickBooks is unreachable, stop — the cash forecast requires QB as the source of truth. If PayPal is missing, run the forecast from QB-only data and note "PayPal not connected — PayPal receivables excluded from forecast." Same for Stripe/Square if missing.
## Approval gates
- **Never initiate payments or send emails automatically.** Surface the data and actions for the owner to take.
- **Never project revenue that hasn't been confirmed in QB or PayPal.** Use conservative estimates only.
## Output
Present the formatted brief and offer to draft chase emails for any flagged overdue invoices.
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