Can Beth change my data?

Short answer: only if your household allows it, and only when you confirm.

Beth is read-only by default. It reads the data you're allowed to see and answers questions, but it can't change anything.

An owner or spouse can turn on Read & write (see How do I let Beth make changes?). With it on, Beth can propose:

• Adding, changing or deleting bills, income, assets, debts and goals.
• Adding, changing or deleting paycheck deductions (like a 401(k), HSA, a work insurance premium or an ESPP contribution).
• Logging a goal contribution (for goals not linked to an account or debt).
• Adding or changing a business. Beth can't delete a business.
• Save money value ratings and your own birthday.
• Changing your SHTF plan — anything the SHTF page itself can change.
• Creating, changing, or deleting a What-if scenario — anything the What-if planner page itself can do.

How a change works

1. You ask, for example "raise my rent to $1,900".
2. Beth shows a card in the chat: each item, the value before and after, and the effect on your monthly bills, take-home pay or net worth.
3. You tap Confirm to save it, or Cancel. Cards expire after 15 minutes.
4. Beth replies on her own to say it's done (or that nothing changed) and picks up anything else you asked for.

If you gave every detail, the card comes right away. If Beth had to guess something, like a category or how often a bill repeats, she lists her guesses and asks once before showing the card. Ask for several kinds of change at once (say, change one bill and add three) and you get one card for each, all in the same reply.

Deletes and removals (like taking a change out of your SHTF plan or a scenario) get an extra check: Beth first lists them in the chat and waits for your "yes", then the card needs a second tap that names the count, like "Yes, delete 3 bills".

What Beth can never change

Permissions, family members, billing, connections and sign-in settings. Beth also only proposes changes you have permission to make yourself — for example, only an owner or spouse with the SHTF plan permission can have Beth change the SHTF plan, and only an owner or spouse with the What-if planner permission can have Beth touch a scenario, the same rules as saving on those pages themselves.