_Human-editable profile/preferences/schedule.
Loaded every prompt via `_bullets()`: ONLY lines starting `- ` reach the model, truncated at 160 chars on voice / 240 on text, and only the first 14 bullets across MEMORY.md (first) + this file reach a live call.
So the order below is load-bearing: the top bullets are the ones that survive into a phone call.
Headings and this prose are for you, the human — the model never sees them.
Keep it tight._
Matt's goals live in `GOALS.md` (a human worksheet he fills by hand). `GOALS.md` is NOT loaded by the coach.
Once he has filled it, promote his north-star line and his 30/60-day financial goal here as one or two `- ` bullets near the top so they reach live calls.
Until then, do not invent goals — a guessed goal is worse than a blank line: he'll skim it, half-agree, and get coached toward something he never chose.
_Human-editable profile/preferences/schedule.
Loaded every prompt.
The coach promotes durable profile facts here nightly; edit freely.
Keep it tight — this rides in the live token budget._