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Agni Folio Docs

Crew & Family Sharing

Money Crew is Agni Folio’s private accountability layer for investing. You invite a small group — your spouse, parents, a few close friends, or a financial accountability partner — and you all see each other’s progress toward shared FIRE goals, with structured monthly check-ins.

It solves the “investing in isolation” problem. Solo investors compound capital well but often compound discipline poorly. Crew gives you a witness — small social pressure that turns “I should rebalance” into “I’ll rebalance before our Sunday check-in.”

What Crew is (and isn’t)

Section titled “What Crew is (and isn’t)”

Crew IS:

  • A private group of 2–10 people you trust
  • Shared visibility into each other’s portfolio totals and progress toward FIRE
  • Structured monthly check-ins with prompts that surface real progress, not just feelings
  • A nudge system — gentle reminders, not surveillance

Crew is NOT:

  • Public social network (no followers, no feed, no comments visible to strangers)
  • A trade-sharing platform (Crew members don’t see individual stock picks, just aggregate totals and FIRE metrics)
  • A financial advisor or co-investment vehicle (no money pooling)

Privacy boundaries

Section titled “Privacy boundaries”

This is the most important part to understand. Crew gives deliberately limited visibility:

Visible to your CrewNOT visible to your Crew
Total net worth (or a percentage if you choose)Individual holdings (tickers, quantities)
FIRE number progress (% complete)Which broker, exchange, or bank you use
Monthly savings rateAccount-level breakdowns
Asset class allocation (e.g., 60% equity / 30% bonds / 10% real estate)Specific transactions
Your shared goals and check-in answersAnything you’ve marked private

Each user controls their own visibility settings per crew. You can be in multiple crews with different visibility levels (e.g., spouse sees everything, financial accountability partner sees percentages only).

How to create a Crew

Section titled “How to create a Crew”

From agnifolio.com/crew:

  1. Click Create Crew
  2. Name it — “Family Finance”, “FIRE 2035 Squad”, “Married Money”, whatever feels right
  3. Set a shared goal (optional but recommended) — e.g., “Reach $1M combined net worth by 2030”
  4. Invite members by email — they receive a link to join
  5. Each invitee can configure their own visibility level on accepting

Monthly check-ins

Section titled “Monthly check-ins”

Crews are most useful when they have rhythm. Agni Folio prompts each Crew with a structured monthly check-in:

  • How’s your savings rate trending vs target?
  • Any big financial events this month (raise, layoff, new debt, etc.)?
  • What’s one money decision you’re considering for next month?
  • Anything you want feedback on from the Crew?

You answer asynchronously. The whole Crew sees the responses. Conversation happens inline (think Slack-thread feel, not WhatsApp chat noise).

Leaving a Crew

Section titled “Leaving a Crew”

You can leave any Crew at any time from the Crew’s settings page. Your historical data stays in your own portfolio (Crew never owned it) — you just stop sharing visibility forward. Other Crew members see “Left the Crew on [date]” in the activity log.

Use cases

Section titled “Use cases”
  • Married couples — joint visibility on the road to FIRE, prevents money surprises, makes goal-setting collaborative
  • Adult parents + adult children — children get visibility into parents’ wealth picture (helpful for legacy planning context), parents see children’s progress and can advise without being intrusive
  • Friend group — 4–6 people pursuing FIRE together, monthly check-ins replace solo discipline gaps
  • Accountability partner — just two people with shared goals, lowest-overhead version of Crew

Crew vs. Legacy Planning

Section titled “Crew vs. Legacy Planning”

Crew is for active accountability while you’re alive and engaged. Wealth Legacy Planning is for passive disclosure to nominees if you become inactive or unreachable.

They’re complementary:

  • A spouse in your Crew sees your current picture every month
  • A nominee in your Legacy Planning gets your full picture only after inactivity triggers fire

Most users have overlap — spouse is in Crew AND listed as primary nominee. That’s by design.

What’s next

Section titled “What’s next”