PAM SI

Know what happens before you decide. PAM (Personal Asset Manager) helps young adults test money decisions before they make them: a lease, a car, a job offer, paying off loans, investing. It shows what each one does to their monthly buffer, goals, and long-term savings, using their real numbers.

Live at https://pamadvisor.com.

Run it

npm install
cp .env.example .env.local   # add keys you have; everything else degrades gracefully
node server.js               # http://127.0.0.1:3000
npm test

Open it over HTTP, never with file://.

Where things are

What PAM is and isn't	PRODUCT.md
Build rules for contributors and AI sessions	CLAUDE.md
Decision-engine strategy	BRAIN.md
Running, deploying, and un-breaking it	OPERATIONS.md
Getting started as a collaborator	COLLABORATION.md
Cost and abuse protection	security/cost-protection.md

Client: src/main.js, src/styles.css, engines in src/utils/. Server: api/ (Vercel functions), shared helpers in api/_lib/. Database schema: supabase/schema.sql.

PAM SI is a financial modeling tool, not a licensed financial advisor, investment adviser, tax professional, attorney, or RIA. Nothing in PAM is financial, tax, legal, or investment advice.