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New advisor engine reads your last 12 months and suggests concrete plan changes, each with evidence, a one-click apply, and its effect on your savings rate: repeat overruns, chronic underspend, a savings-gap closer, bill price creep, and volatility (budgeting the worst month instead of a typical one).
Surfaced atop the Plan tab while planning and in Review's "plan next month" section.
Plan rows show "was $X last month" when a target changed; unfurling a row draws 12 months of spend bars under the target step line.
Expenses can be flagged one-off: they still count in their month, but averages, suggestions, and advice skip them.
Spending map
Places tab: an OpenStreetMap view of where money goes, one dot per spot sized by spend; pin a vendor once and every charge from it lands on the map.
Map picker with search, GPS, pasted coordinates, and a draggable pin; unpinned vendors seed the search with their own name.
Vendors can be marked online merchants or hidden from the unplaced list, with a restorable "set aside" fold.
Today
Envelopes with nothing available today tile down automatically; envelopes still holding money for unpaid bills stay full-size.
Cards can be hand-shrunk to tiles (hover control) and restored (hover icon or long-press).
Fixes
vendor: frontmatter written as a YAML list (Obsidian's property editor style) now parses.
Moving an envelope's exact available amount no longer trips a false "only $X available" error.
Review trend gained a month axis and clickable points; move dialogs, merge input width, and various polish.