Customize myAI3 as BudgetBuddy personal finance assistant

- Configure identity, prompts, guardrails for personal finance domain
- Add 6 knowledge sources to Pinecone RAG (budgeting, investing, credit, etc.)
- Add password protection via Next.js middleware
- Add Dockerfile for container deployment
- Customize terms of use with financial disclaimers

.gitignore

@@ -0,0 +1,5 @@
+node_modules/
+.env*
+!.env.example
+next-env.d.ts
+.next

Dockerfile

@@ -0,0 +1,25 @@
+FROM oven/bun:1 AS base
+
+FROM base AS deps
+WORKDIR /app
+COPY package.json bun.lock ./
+RUN bun install --frozen-lockfile
+
+FROM base AS builder
+WORKDIR /app
+COPY --from=deps /app/node_modules ./node_modules
+COPY . .
+RUN bun run build
+
+FROM base AS runner
+WORKDIR /app
+ENV NODE_ENV=production
+RUN adduser --system --uid 1001 nextjs
+COPY --from=builder /app/public ./public
+COPY --from=builder --chown=1001:1001 /app/.next/standalone ./
+COPY --from=builder --chown=1001:1001 /app/.next/static ./.next/static
+USER nextjs
+EXPOSE 3000
+ENV PORT=3000
+ENV HOSTNAME="0.0.0.0"
+CMD ["bun", "server.js"]

app/layout.tsx

@@ -13,8 +13,8 @@ const geistMono = Geist_Mono({
 });
 
 export const metadata: Metadata = {
-  title: "MyAI3",
-  description: "MyAI3",
+  title: "BudgetBuddy",
+  description: "Your AI-powered personal finance and budgeting assistant",
 };
 
 export default function RootLayout({

app/terms/page.tsx

@@ -13,11 +13,11 @@ export default function Terms() {
                     <ArrowLeftIcon className="w-4 h-4" />
                     Back to Chatbot
                 </Link>
-                <h1 className="text-3xl font-bold">MyAI3</h1>
+                <h1 className="text-3xl font-bold">BudgetBuddy</h1>
                 <h2 className="text-2xl font-semibold">Terms of Use / Disclaimer</h2>
 
                 <p className="text-gray-700">
-                    The following terms of use govern access to and use of the MyAI3
+                    The following terms of use govern access to and use of the BudgetBuddy
                     Assistant ("AI Chatbot"), an artificial intelligence tool provided by
                     {OWNER_NAME} ("I", "me", or "myself"). By engaging with the AI
                     Chatbot, you agree to these terms. If you do not agree, you may not
@@ -29,10 +29,13 @@ export default function Terms() {
                     <ol className="list-decimal list-inside space-y-3">
                         <li className="text-gray-700">
                             <span className="font-semibold">Provider and Purpose:</span> The
-                            AI Chatbot is a tool developed and maintained by {OWNER_NAME}. It
-                            is intended solely to assist users with questions and coursework
-                            related to courses taught by {OWNER_NAME}. The AI Chatbot is not
-                            affiliated with, endorsed by, or operated by the course provider.
+                            AI Chatbot is a personal finance and budgeting AI assistant developed
+                            and maintained by {OWNER_NAME}. It provides educational information
+                            and general guidance about budgeting, saving, investing, credit, and
+                            student loans. It is NOT a licensed financial advisor and does NOT
+                            provide professional financial, legal, or tax advice. It is intended
+                            solely to assist users with questions related to personal finance and
+                            budgeting. It was created by {OWNER_NAME}.
                         </li>
                         <li className="text-gray-700">
                             <span className="font-semibold">Third-Party Involvement:</span>{" "}
@@ -50,6 +53,14 @@ export default function Terms() {
                             information. Users are strongly encouraged to independently verify
                             any information before relying on it for decisions or actions.
                         </li>
+                        <li className="text-gray-700">
+                            <span className="font-semibold">Not Professional Financial Advice:</span>{" "}
+                            The AI Chatbot does not provide professional financial, legal, medical,
+                            or tax advice. All information is for educational and informational
+                            purposes only. Users should consult qualified professionals before
+                            making financial decisions. The AI Chatbot is not a substitute for a
+                            licensed financial advisor, accountant, or attorney.
+                        </li>
                     </ol>
                 </div>
 
@@ -199,7 +210,7 @@ export default function Terms() {
                 </div>
 
                 <div className="mt-8 text-sm text-gray-600">
-                    <p>Last Updated: November 17, 2025</p>
+                    <p>Last Updated: February 11, 2026</p>
                 </div>
             </div>
         </div>

config.ts

@@ -30,10 +30,10 @@ function getDateAndTime(): string {
 
 export const DATE_AND_TIME = getDateAndTime();
 
-export const AI_NAME = "MyAI3";
-export const OWNER_NAME = "FirstName LastName";
+export const AI_NAME = "BudgetBuddy";
+export const OWNER_NAME = "Joey";
 
-export const WELCOME_MESSAGE = `Hello! I'm ${AI_NAME}, an AI assistant created by ${OWNER_NAME}.`
+export const WELCOME_MESSAGE = `Hello! I'm ${AI_NAME}, your personal finance and budgeting AI assistant. Whether you need help creating a budget, understanding investing basics, managing student loans, or building credit — I'm here to help! How can I assist you today?`
 
 export const CLEAR_CHAT_TEXT = "New";
 

middleware.ts

@@ -0,0 +1,27 @@
+import { NextRequest, NextResponse } from "next/server";
+
+export function middleware(request: NextRequest) {
+  const authHeader = request.headers.get("authorization");
+
+  if (authHeader) {
+    const [scheme, encoded] = authHeader.split(" ");
+    if (scheme === "Basic" && encoded) {
+      const decoded = atob(encoded);
+      const [, password] = decoded.split(":");
+      if (password === process.env.AUTH_PASSWORD) {
+        return NextResponse.next();
+      }
+    }
+  }
+
+  return new NextResponse("Authentication required", {
+    status: 401,
+    headers: {
+      "WWW-Authenticate": 'Basic realm="BudgetBuddy"',
+    },
+  });
+}
+
+export const config = {
+  matcher: ["/((?!_next/static|_next/image|favicon.ico).*)"],
+};

next.config.ts

@@ -1,7 +1,7 @@
 import type { NextConfig } from "next";
 
 const nextConfig: NextConfig = {
-  /* config options here */
+  output: "standalone",
 };
 
 export default nextConfig;

prompts.ts

@@ -2,21 +2,32 @@ import { DATE_AND_TIME, OWNER_NAME } from './config';
 import { AI_NAME } from './config';
 
 export const IDENTITY_PROMPT = `
-You are ${AI_NAME}, an agentic assistant. You are designed by ${OWNER_NAME}, not OpenAI, Anthropic, or any other third-party AI vendor.
+You are ${AI_NAME}, a personal finance and budgeting AI assistant. You were created by ${OWNER_NAME}. You specialize in helping college students and young professionals with practical money management, budgeting, saving strategies, investing basics, credit building, and student loan management. You are NOT a licensed financial advisor — you provide educational information and general guidance only.
 `;
 
 export const TOOL_CALLING_PROMPT = `
-- In order to be as truthful as possible, call tools to gather context before answering.
-- Prioritize retrieving from the vector database, and then the answer is not found, search the web.
+- Always call tools to gather context before answering financial questions.
+- Prioritize searching the vector database first for personal finance knowledge and guidance.
+- If the answer is not found in the vector database, search the web for current financial information, interest rates, or news.
+- When asked about specific current rates (savings rates, loan rates, market data), always use web search to get the latest information.
 `;
 
 export const TONE_STYLE_PROMPT = `
-- Maintain a friendly, approachable, and helpful tone at all times.
-- If a student is struggling, break down concepts, employ simple language, and use metaphors when they help clarify complex ideas.
+- Be friendly, encouraging, and non-judgmental — many people feel anxious about money and finances.
+- Use simple, clear language and avoid unnecessary financial jargon.
+- When using financial terms, briefly explain them in parentheses.
+- Use practical examples with realistic dollar amounts that college students and young professionals can relate to.
+- Break down complex financial concepts into digestible steps.
+- Celebrate small wins — even saving $25/month is progress worth acknowledging.
 `;
 
 export const GUARDRAILS_PROMPT = `
-- Strictly refuse and end engagement if a request involves dangerous, illegal, shady, or inappropriate activities.
+- Never provide specific investment recommendations or stock picks. Instead, explain general investment principles.
+- Never provide specific tax filing advice. Recommend consulting a tax professional.
+- Never provide legally binding financial advice. Always remind users to consult a licensed financial advisor for complex situations.
+- Never ask for or store personal financial data such as account numbers, SSNs, or passwords.
+- Strictly refuse and end engagement if a request involves dangerous, illegal, or inappropriate activities.
+- If unsure about a financial topic, be honest about limitations rather than guessing.
 `;
 
 export const CITATIONS_PROMPT = `
@@ -24,8 +35,9 @@ export const CITATIONS_PROMPT = `
 - Do not ever just use [Source #] by itself and not provide the URL as a markdown link-- this is forbidden.
 `;
 
-export const COURSE_CONTEXT_PROMPT = `
-- Most basic questions about the course can be answered by reading the syllabus.
+export const DOMAIN_CONTEXT_PROMPT = `
+- Your expertise covers: budgeting (50/30/20 rule, zero-based budgeting), saving (emergency funds, high-yield savings), investing basics (index funds, ETFs, retirement accounts, compound interest), student loans (repayment plans, forgiveness programs), credit scores (FICO components, building credit), and avoiding common financial mistakes.
+- When answering questions outside personal finance, politely redirect users to your area of expertise.
 `;
 
 export const SYSTEM_PROMPT = `
@@ -47,12 +59,11 @@ ${GUARDRAILS_PROMPT}
 ${CITATIONS_PROMPT}
 </citations>
 
-<course_context>
-${COURSE_CONTEXT_PROMPT}
-</course_context>
+<domain_context>
+${DOMAIN_CONTEXT_PROMPT}
+</domain_context>
 
 <date_time>
 ${DATE_AND_TIME}
 </date_time>
 `;
-