Finans

Miras Yönetimi Asistanı (Inheritance Management Assistant)

warningProblem

"Mom died and left me money, but I am a little lost with all my options."

psychologyPotansiyel Çözüm

Kullanıcıların, beklenmedik miras gelirlerini yönetmelerine, finansal hedeflerini belirlemelerine ve güvenli yatırım seçeneklerini keşfetmelerine yardımcı olan kişisel finansal planlama ve yönetim platformu.

groupHedef Kitle

Beklenmedik bir şekilde miras kalan veya yüklü miktarda nakit girişi yaşayan, ancak bu fonları nasıl en iyi şekilde yönetecekleri konusunda rehberliğe ihtiyaç duyan bireyler. Özellikle finansal okuryazarlığı orta düzeyde olan, karmaşık finansal terimleri anlamakta zorlanan ve güvenli, anlaşılır bir yönetim aracı arayan kişiler hedeflenmektedir. Bu kişiler, borçlarını kapatma, acil ihtiyaçlarını karşılama ve kalan parayı akıllıca değerlendirme konusunda belirsizlik yaşayabilirler.

paymentsGelir Modeli

Kullanıcılara sunulan temel finansal takip ve bilgilendirme hizmetleri ücretsizdir. Premium üyelik ile daha detaylı analizler, kişiselleştirilmiş yatırım önerileri ve özel finansal danışmanlık seansları sunulabilir. Ayrıca, belirli finansal ürünlere (örneğin, HYSA'lar, yatırım fonları) yönlendirme yoluyla komisyon geliri elde edilebilir.

Aksiyon Planı

Kişisel finansal durum girişi (Mevcut borçlar, gelir, harcamalar)

Miras fonlarının takibi ve kategorize edilmesi (Hayat sigortası, hesaplar, gayrimenkul vb.)

You are an expert full-stack developer tasked with building a Minimum Viable Product (MVP) for a personal finance management application called 'Inheritance Management Assistant'. This application will help users manage unexpected inheritance funds, set financial goals, and explore secure investment options. The MVP should be a multi-page application built with Next.js App Router (using the 'app/' directory structure). It needs a robust backend with API routes for full CRUD operations and a database managed by Drizzle ORM with PostgreSQL as the database. The application should be user-friendly and secure, focusing on the initial needs of someone who has just received an inheritance. **Core Requirements:** 1. **Project Setup:** * Use Next.js App Router (`app/` directory). * Integrate Drizzle ORM with PostgreSQL. * Set up basic UI components using a suitable library (e.g., Tailwind CSS with shadcn/ui for pre-built components). 2. **Database Schema (Drizzle ORM):** * `users`: id (UUID, primary key), name, email (unique), passwordHash, createdAt, updatedAt. * `inheritances`: id (UUID, primary key), userId (foreign key to `users`), source (e.g., 'Life Insurance', 'Bank Accounts', 'Property'), amount (decimal), receivedDate, createdAt, updatedAt. * `debts`: id (UUID, primary key), userId (foreign key to `users`), type (e.g., 'Credit Card', 'Car Loan'), currentAmount (decimal), minimumPayment (decimal), dueDate, createdAt, updatedAt. * `financialGoals`: id (UUID, primary key), userId (foreign key to `users`), name, targetAmount (decimal), deadline, status ('Active', 'Completed'), createdAt, updatedAt. * `accounts`: id (UUID, primary key), userId (foreign key to `users`), name (e.g., 'Savings Account', 'HYSA'), type, currentBalance (decimal), institutionName, createdAt, updatedAt. 3. **API Routes (app/api/...):** * Implement full CRUD operations for all entities (`users`, `inheritances`, `debts`, `financialGoals`, `accounts`). * Example: `/api/inheritances` (GET, POST), `/api/inheritances/[id]` (GET, PUT, DELETE). * Ensure proper request validation and error handling. * User authentication should be implemented (e.g., using NextAuth.js or a custom JWT solution). 4. **Frontend (app/ directory):** * **Authentication Pages:** `app/login`, `app/register`. * **Dashboard (`app/dashboard`):** Overview of user's financial status (total inheritance, total debt, net worth, upcoming goals). * **Inheritance Management (`app/dashboard/inheritances`):** * List all inheritance entries. * Form to add new inheritance entries (CRUD). * View details of a specific inheritance. * **Debt Management (`app/dashboard/debts`):** * List all debts. * Form to add new debt entries (CRUD). * Option to mark debts as 'Paid Off'. * Calculate total debt and minimum monthly payments. * **Financial Goals (`app/dashboard/goals`):** * List user's financial goals. * Form to add new goals (CRUD). * Track progress towards goals. * **Accounts & Savings (`app/dashboard/accounts`):** * List user's bank/savings accounts. * Form to add new accounts (CRUD). * Display current balances. * **Educational Content/Guidance:** A dedicated page (`app/resources`) that provides information on different types of savings accounts (HYSA, Money Market) and basic investment concepts. This can start with static content and evolve. 5. **Key Features to Implement in MVP:** * Secure user registration and login. * Ability to input and view all inheritance details. * Ability to input and view all debt details, with a feature to mark them as paid. * Basic financial goal setting and tracking. * A clear display of current account balances. * A section providing educational information about savings options like High-Yield Savings Accounts (HYSAs) and Money Market Accounts (MMAs). **DO NOT:** * Generate only a landing page. * Generate only a simple SPA without proper backend and database integration. * Implement complex investment strategies or real-time market data feeds in the MVP. * Use client-side state management libraries like Redux; rely on Next.js context API or server components for state management where appropriate. The generated code should be well-structured, commented, and follow best practices for Next.js, Drizzle ORM, and PostgreSQL development.