wealth snapshot derived

{
  "input": {
    "type": "http",
    "method": "GET",
    "queryParams": {
      "age": "38"
    }
  },
  "output": {
    "type": "json",
    "errors": {
      "400": {
        "example": {
          "error": "invalid request"
        },
        "description": "Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."
      },
      "402": {
        "description": "Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."
      },
      "500": {
        "example": {
          "error": "upstream_failed"
        },
        "description": "Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."
      }
    },
    "example": {
      "summary": "Solid savings rate but debt and a thin emergency fund are holding back real progress.",
      "concerns": [
        "Emergency fund covers only 2.6 months",
        "Debt-to-income at 33% limits flexibility"
      ],
      "strengths": [
        "27% savings rate",
        "no high-interest revolving balances growing"
      ],
      "disclaimer": "For informational purposes only. Not financial, tax, or legal advice. Consult a licensed financial advisor for personalized guidance.",
      "key_ratios": {
        "savings_rate": "27%",
        "debt_to_income": "0.33",
        "emergency_fund_months": "2.6"
      },
      "amazon_link": "https://www.amazon.com/s?k=personal+finance+fundamentals&tag=pulsenetwork7-20",
      "health_score": "okay",
      "rate_context": "Current savings rates favor keeping the emergency fund in a HYSA rather than idle cash",
      "amazon_search": "personal finance fundamentals",
      "net_worth_estimate": "$17,000",
      "highest_leverage_moves": [
        {
          "why": "Removes the risk of high-interest debt during an income gap",
          "rank": 1,
          "action": "Build emergency fund to 6 months",
          "effort": "medium",
          "impact": "high"
        },
        {
          "why": "Frees up cash flow and stops compounding interest",
          "rank": 2,
          "action": "Eliminate the highest-rate debt first",
          "effort": "medium",
          "impact": "high"
        }
      ]
    }
  }
}