Wealth Snapshot

{
  "amazon_link": "https://www.amazon.com/s?k=personal+finance+fundamentals&tag=pulsenetwork7-20",
  "amazon_search": "personal finance fundamentals",
  "concerns": [
    "Emergency fund covers only 2.6 months",
    "Debt-to-income at 33% limits flexibility"
  ],
  "disclaimer": "For informational purposes only. Not financial, tax, or legal advice. Consult a licensed financial advisor for personalized guidance.",
  "health_score": "okay",
  "highest_leverage_moves": [
    {
      "action": "Build emergency fund to 6 months",
      "effort": "medium",
      "impact": "high",
      "rank": 1,
      "why": "Removes the risk of high-interest debt during an income gap"
    },
    {
      "action": "Eliminate the highest-rate debt first",
      "effort": "medium",
      "impact": "high",
      "rank": 2,
      "why": "Frees up cash flow and stops compounding interest"
    }
  ],
  "key_ratios": {
    "debt_to_income": "0.33",
    "emergency_fund_months": "2.6",
    "savings_rate": "27%"
  },
  "net_worth_estimate": "$17,000",
  "rate_context": "Current savings rates favor keeping the emergency fund in a HYSA rather than idle cash",
  "strengths": [
    "27% savings rate",
    "no high-interest revolving balances growing"
  ],
  "summary": "Solid savings rate but debt and a thin emergency fund are holding back real progress."
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot?age=38'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot?age=38' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.15 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.15" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.15 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fwealthpulse.theaslangroupllc.com%2Fapi%2Fwealth%2Fsnapshot
const res = await pay("https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot?age=38");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.15 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.15"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot?age=38")
    print(res.status_code, res.text)