{
  "schemaVersion": 2,
  "data": {
    "habits": [
      {
        "id": "h1",
        "name": "Money lesson, 20 minutes 📚",
        "schedule": {
          "type": "timesPerWeek",
          "n": 4
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h2",
        "name": "Check your accounts, 5 minutes 🏦",
        "schedule": {
          "type": "timesPerWeek",
          "n": 3
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h3",
        "name": "Talk about money with someone 💬",
        "schedule": {
          "type": "timesPerWeek",
          "n": 1
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h4",
        "name": "Apply one idea to your own money ✅",
        "schedule": {
          "type": "timesPerWeek",
          "n": 1
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h5",
        "name": "Weekly review: what you learned 🔁",
        "schedule": {
          "type": "weekdays",
          "days": [
            0
          ]
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      }
    ],
    "habitChecks": {},
    "mindset": {},
    "tasks": {
      "2026-01-05": [
        {
          "id": "t1",
          "text": "Write down 3 money questions you've always had",
          "done": false
        },
        {
          "id": "t2",
          "text": "Rate your money confidence, 1 to 10",
          "done": false
        },
        {
          "id": "t3",
          "text": "Pick one free source that sells nothing: a library book or public site",
          "done": false
        }
      ],
      "2026-01-07": [
        {
          "id": "t1",
          "text": "Learn the basics: income, fixed costs and variable costs",
          "done": false
        }
      ],
      "2026-01-09": [
        {
          "id": "t1",
          "text": "Sketch a simple monthly budget",
          "done": false
        }
      ],
      "2026-01-12": [
        {
          "id": "t1",
          "text": "Learn what an emergency fund is for",
          "done": false
        }
      ],
      "2026-01-15": [
        {
          "id": "t1",
          "text": "Work out one month of your essential costs",
          "done": false
        }
      ],
      "2026-01-19": [
        {
          "id": "t1",
          "text": "Learn how interest works on loans and cards",
          "done": false
        }
      ],
      "2026-01-22": [
        {
          "id": "t1",
          "text": "Find the interest rate on any debt you have",
          "done": false
        }
      ],
      "2026-01-26": [
        {
          "id": "t1",
          "text": "Learn what a credit score is and what affects it",
          "done": false
        }
      ],
      "2026-01-29": [
        {
          "id": "t1",
          "text": "Check your credit report, if it's free where you live",
          "done": false
        }
      ],
      "2026-02-02": [
        {
          "id": "t1",
          "text": "Learn the basics of stocks, bonds, funds, risk and fees",
          "done": false
        }
      ],
      "2026-02-05": [
        {
          "id": "t1",
          "text": "Note where to find a licensed advisor before any investing",
          "done": false
        }
      ],
      "2026-02-09": [
        {
          "id": "t1",
          "text": "Learn what retirement accounts and insurance exist where you live",
          "done": false
        }
      ],
      "2026-02-12": [
        {
          "id": "t1",
          "text": "Rate your confidence again and compare with week 1",
          "done": false
        }
      ],
      "2026-02-14": [
        {
          "id": "t1",
          "text": "Answer your 3 questions from week 1, or find who can",
          "done": false
        }
      ]
    },
    "weeklyMindset": {}
  },
  "settings": {
    "weekStart": 1,
    "weekBands": "calendar",
    "theme": "light",
    "accent": "#6d7cff",
    "weekColors": [
      "#7b61ff",
      "#35c7ff",
      "#3ddc97",
      "#ff5cad",
      "#ff8fab",
      "#ffd166"
    ],
    "locale": "en"
  },
  "ui": {
    "view": "habits",
    "month": "2026-01",
    "weekOf": "2026-01-05"
  }
}