docs: personalize finance-perspective pitch

Lead with the actual use case (getting stuck obsessing over purchases)
instead of positioning against YNAB, and add a "treat yourself" line
for when the math clears a purchase. Reads more honest than the
generic anti-YNAB jab.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

Author: bn-wright

README.md

@@ -10,7 +10,7 @@ When you ask Claude a question, the relevant file contents are transmitted to An
 
 ## What You Get
 
-- **The headliner skill — [`finance-perspective`](skills/finance-perspective/SKILL.md).** When you're spinning about a $10k couch or a 4% market dip, it computes three numbers: one month of portfolio drift, your locked-in annual savings, and the FI-date impact in days. Then it gives a verdict — *noise*, *absorbable*, or *worth attention* — with the math shown. No moralizing, no "have you considered YNAB." This is the skill I couldn't find anywhere else and the reason this repo exists.
+- **The headliner skill — [`finance-perspective`](skills/finance-perspective/SKILL.md).** If you're like me and get stuck obsessing over purchases before you make them, this is the skill that reframes the spiral with logical perspective. When you're spinning about a $10k couch or a 4% market dip, it computes three numbers: one month of portfolio drift, your locked-in annual savings, and the FI-date impact in days. Then it gives a verdict — *noise*, *absorbable*, or *worth attention* — with the math shown. No moralizing. When the math clears a purchase, consider it a proverbial *treat yourself*. This is the skill I couldn't find anywhere else and the reason this repo exists.
 - **[`fi-date-projection`](skills/fi-date-projection/SKILL.md)** — recalculates your financial-independence date from current portfolio, contribution rate, and target. Three sensitivity bands (5% / 7% / 9% return) every time, so you see the cone of uncertainty instead of a single false-precision number.
 - **[`update-financials`](skills/update-financials/SKILL.md)** — ingests CSV exports (Empower, Mint, Monarch, raw bank) or JSON from your own scraper. Flexible column mapping, no hard-coded schema, asks before guessing.
 - **Memory templates** — sanitized Markdown files you fill in once with your household's profile, investments, retirement targets, and spending baseline. Claude reads them every session.