diff --git a/src/households/households.controller.ts b/src/households/households.controller.ts
index d4bda19..7770370 100644
--- a/src/households/households.controller.ts
+++ b/src/households/households.controller.ts
@@ -58,6 +58,11 @@ export class HouseholdsController {
     return ok(await this.householdsService.calculateFairSplit(userId, id, payload));
   }
 
+  @Get(":id/money-date-prompts")
+  async moneyDatePrompts(@CurrentUser() userId: string, @Param("id") id: string) {
+    return ok(await this.householdsService.listMoneyDatePrompts(userId, id));
+  }
+
   @Get(":id/goals")
   async goals(@CurrentUser() userId: string, @Param("id") id: string) {
     return ok(await this.householdsService.listGoals(userId, id));
diff --git a/src/households/households.service.ts b/src/households/households.service.ts
index 91ef67f..107187d 100644
--- a/src/households/households.service.ts
+++ b/src/households/households.service.ts
@@ -18,6 +18,15 @@ type HouseholdPrivacyMode = {
   hideIndividualTransactions: boolean;
 };
 
+type MoneyDatePrompt = {
+  id: string;
+  topic: string;
+  question: string;
+  why: string;
+  actionLabel: string;
+  priority: "high" | "medium" | "low";
+};
+
 @Injectable()
 export class HouseholdsService {
   constructor(
@@ -383,6 +392,104 @@ export class HouseholdsService {
     };
   }
 
+  async listMoneyDatePrompts(userId: string, householdId: string) {
+    await this.requireActiveMember(userId, householdId);
+
+    const household = await this.prisma.household.findFirst({
+      where: { id: householdId },
+      include: {
+        members: {
+          where: { status: "active" },
+          include: {
+            user: {
+              select: { id: true, email: true, fullName: true },
+            },
+          },
+          orderBy: { joinedAt: "asc" },
+        },
+      },
+    });
+    if (!household) throw new BadRequestException("Household not found.");
+
+    const privacyMode = this.getPrivacyMode(household.metadata);
+    const accounts = await this.prisma.account.findMany({
+      where: { householdId, isActive: true },
+      select: {
+        currentBalance: true,
+        availableBalance: true,
+        ownershipType: true,
+        syncStatus: true,
+      },
+    });
+
+    const now = new Date();
+    const cashflowStart = new Date(now.getFullYear(), now.getMonth() - 2, 1);
+    const [cashflowRows, goals] = await Promise.all([
+      this.prisma.transactionRaw.findMany({
+        where: {
+          date: { gte: cashflowStart, lte: now },
+          account: { householdId, isActive: true },
+        },
+        include: {
+          derived: true,
+          account: {
+            select: {
+              ownershipType: true,
+            },
+          },
+        },
+        orderBy: { date: "asc" },
+      }),
+      this.prisma.householdGoal.findMany({
+        where: { householdId, status: { in: ["active", "paused", "completed"] } },
+        select: {
+          name: true,
+          targetAmount: true,
+          currentAmount: true,
+          priority: true,
+          status: true,
+          targetDate: true,
+        },
+        orderBy: [{ status: "asc" }, { priority: "desc" }, { targetDate: "asc" }],
+      }),
+    ]);
+
+    const visibleAccounts = this.applyAccountPrivacy(accounts, privacyMode);
+    const visibleRows = this.applyTransactionPrivacy(cashflowRows, privacyMode);
+    const activeRows = visibleRows.filter((row: any) => !row.derived?.isHidden);
+    const cashflow = this.buildCashflow(activeRows, cashflowStart, now);
+    const totalBalance = this.roundCurrency(visibleAccounts.reduce((sum: number, account: any) => sum + this.toNumber(account.currentBalance), 0));
+    const availableBalance = this.roundCurrency(visibleAccounts.reduce((sum: number, account: any) => sum + this.toNumber(account.availableBalance), 0));
+    const healthScore = this.buildCouplesHealthScore({
+      memberCount: household.members.length,
+      accounts: visibleAccounts,
+      activeTransactions: activeRows,
+      goals,
+      totalBalance,
+      availableBalance,
+      monthlyIncome: cashflow.currentMonth.income,
+      monthlyExpenses: cashflow.currentMonth.expenses,
+      monthlyNet: cashflow.currentMonth.net,
+    });
+
+    const prompts = this.buildMoneyDatePrompts({
+      memberCount: household.members.length,
+      privacyMode,
+      accounts: visibleAccounts,
+      cashflow,
+      goals,
+      healthScore,
+      activeRows,
+    });
+
+    return {
+      householdId,
+      generatedAt: now.toISOString(),
+      cadenceSuggestion: prompts.some((prompt) => prompt.priority === "high") ? "weekly" : "monthly",
+      prompts,
+    };
+  }
+
   async listGoals(userId: string, householdId: string) {
     await this.requireActiveMember(userId, householdId);
     const goals = await this.prisma.householdGoal.findMany({
@@ -913,6 +1020,158 @@ export class HouseholdsService {
     return recommendations.slice(0, 4);
   }
 
+  private buildMoneyDatePrompts(input: {
+    memberCount: number;
+    privacyMode: HouseholdPrivacyMode;
+    accounts: any[];
+    cashflow: {
+      currentMonth: { income: number; expenses: number; net: number; transactionCount: number };
+    };
+    goals: any[];
+    healthScore: {
+      score: number;
+      recommendations: string[];
+    };
+    activeRows: any[];
+  }) {
+    const prompts: MoneyDatePrompt[] = [];
+    const currentMonth = input.cashflow.currentMonth;
+    const activeGoals = input.goals.filter((goal) => goal.status === "active");
+    const lowestProgressGoal = activeGoals
+      .map((goal) => {
+        const targetAmount = this.toNumber(goal.targetAmount);
+        const currentAmount = this.toNumber(goal.currentAmount);
+        return {
+          name: goal.name,
+          progress: targetAmount > 0 ? currentAmount / targetAmount : 0,
+          remainingAmount: Math.max(targetAmount - currentAmount, 0),
+        };
+      })
+      .sort((a, b) => a.progress - b.progress)[0];
+
+    if (currentMonth.net < 0) {
+      prompts.push({
+        id: "cashflow-reset",
+        topic: "Cashflow",
+        question: `This month is ${this.formatSignedMoney(currentMonth.net)} net. Which one expense category should we adjust before the next check-in?`,
+        why: "A negative shared cashflow month needs a specific agreement, not a vague budget promise.",
+        actionLabel: "Pick one spending adjustment",
+        priority: "high",
+      });
+    } else {
+      prompts.push({
+        id: "cashflow-allocation",
+        topic: "Cashflow",
+        question: `This month is ${this.formatSignedMoney(currentMonth.net)} net. How much of that should move to shared goals versus staying as buffer?`,
+        why: "Positive cashflow is easiest to allocate while both partners can see the same number.",
+        actionLabel: "Agree on allocation",
+        priority: currentMonth.net > 0 ? "medium" : "low",
+      });
+    }
+
+    if (lowestProgressGoal) {
+      prompts.push({
+        id: "goal-progress",
+        topic: "Goals",
+        question: `What is the next concrete contribution for ${lowestProgressGoal.name}, with ${this.formatMoneyValue(lowestProgressGoal.remainingAmount)} still remaining?`,
+        why: "A shared goal with low progress benefits from one clear next contribution.",
+        actionLabel: "Set next contribution",
+        priority: lowestProgressGoal.progress < 0.25 ? "high" : "medium",
+      });
+    } else {
+      prompts.push({
+        id: "first-shared-goal",
+        topic: "Goals",
+        question: "What is the one shared milestone we want LedgerOne to track before our next money date?",
+        why: "A household without an active shared goal has no visible target for joint progress.",
+        actionLabel: "Create shared goal",
+        priority: "medium",
+      });
+    }
+
+    const jointAccountCount = input.accounts.filter((account) => account.ownershipType === "joint").length;
+    if (input.memberCount > 1 && jointAccountCount === 0) {
+      prompts.push({
+        id: "joint-account-boundary",
+        topic: "Account ownership",
+        question: "Which account should be treated as joint for shared bills, and which accounts should remain mine/theirs?",
+        why: "Clear ownership labels make dashboards, splits, and privacy mode easier to trust.",
+        actionLabel: "Review account ownership",
+        priority: "medium",
+      });
+    }
+
+    if (!input.privacyMode.enabled) {
+      prompts.push({
+        id: "privacy-boundaries",
+        topic: "Privacy",
+        question: "Do we want the household dashboard to show only joint money, or are we comfortable showing individual balances too?",
+        why: "Privacy expectations should be explicit before partners rely on the shared dashboard.",
+        actionLabel: "Choose privacy mode",
+        priority: "low",
+      });
+    }
+
+    const unhealthyAccountCount = input.accounts.filter((account) => !["idle", "synced", "ok"].includes(account.syncStatus)).length;
+    if (unhealthyAccountCount > 0) {
+      prompts.push({
+        id: "sync-health",
+        topic: "Account sync",
+        question: `${unhealthyAccountCount} shared account${unhealthyAccountCount === 1 ? "" : "s"} need attention. Who will reconnect or clean them up before the next review?`,
+        why: "Money-date decisions are only useful when the shared account data is current.",
+        actionLabel: "Assign sync owner",
+        priority: "high",
+      });
+    }
+
+    const topCategory = this.topExpenseCategory(input.activeRows);
+    if (topCategory) {
+      prompts.push({
+        id: "spending-pattern",
+        topic: "Spending pattern",
+        question: `${topCategory.category} is the largest recent shared spending area at ${this.formatMoneyValue(topCategory.amount)}. Is that expected or should we set a rule?`,
+        why: "Reviewing one concrete category keeps the conversation focused.",
+        actionLabel: "Review category rule",
+        priority: "medium",
+      });
+    }
+
+    for (const recommendation of input.healthScore.recommendations) {
+      if (prompts.length >= 6) break;
+      prompts.push({
+        id: `health-${prompts.length + 1}`,
+        topic: "Health score",
+        question: recommendation,
+        why: `Current couples health score is ${input.healthScore.score}, so this is one of the next best moves.`,
+        actionLabel: "Discuss next move",
+        priority: input.healthScore.score < 50 ? "high" : "medium",
+      });
+    }
+
+    return prompts.slice(0, 6);
+  }
+
+  private topExpenseCategory(rows: any[]) {
+    const totals = new Map<string, number>();
+    for (const row of rows) {
+      const amount = this.toNumber(row.amount);
+      if (amount <= 0 || row.derived?.isHidden) continue;
+      const category = row.derived?.userCategory ?? "Uncategorized";
+      totals.set(category, (totals.get(category) ?? 0) + amount);
+    }
+    const [category, amount] = Array.from(totals.entries()).sort((a, b) => b[1] - a[1])[0] ?? [];
+    return category ? { category, amount: this.roundCurrency(amount) } : null;
+  }
+
+  private formatMoneyValue(value: number) {
+    return `$${Math.abs(this.roundCurrency(value)).toLocaleString("en-US", { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+  }
+
+  private formatSignedMoney(value: number) {
+    const prefix = value < 0 ? "-" : "";
+    return `${prefix}${this.formatMoneyValue(value)}`;
+  }
+
   private healthRating(score: number) {
     if (score >= 85) return "excellent";
     if (score >= 70) return "strong";
diff --git a/test/households.service.spec.ts b/test/households.service.spec.ts
index e893a38..edb9e52 100644
--- a/test/households.service.spec.ts
+++ b/test/households.service.spec.ts
@@ -277,6 +277,61 @@ describe("HouseholdsService", () => {
     });
   });
 
+  it("generates money date prompts from household cashflow and goals", async () => {
+    const { prisma, service } = createService();
+    prisma.householdMember.findFirst.mockResolvedValue({ id: "member_1", userId: "user_1", role: "member", status: "active" });
+    prisma.household.findFirst.mockResolvedValue({
+      id: "household_1",
+      metadata: {},
+      members: [
+        { id: "member_1", userId: "user_1", role: "owner", status: "active", joinedAt: new Date(), user: { id: "user_1", email: "owner@example.com" } },
+        { id: "member_2", userId: "user_2", role: "member", status: "active", joinedAt: new Date(), user: { id: "user_2", email: "partner@example.com" } },
+      ],
+    });
+    prisma.account.findMany.mockResolvedValue([
+      { currentBalance: "500", availableBalance: "400", ownershipType: "joint", syncStatus: "idle" },
+    ]);
+    prisma.transactionRaw.findMany.mockResolvedValue([
+      {
+        date: new Date(),
+        amount: "850",
+        derived: { userCategory: "Dining", isHidden: false },
+        account: { ownershipType: "joint" },
+      },
+      {
+        date: new Date(),
+        amount: "-500",
+        derived: { userCategory: "Income", isHidden: false },
+        account: { ownershipType: "joint" },
+      },
+    ]);
+    prisma.householdGoal.findMany.mockResolvedValue([
+      {
+        name: "Emergency Fund",
+        targetAmount: "10000",
+        currentAmount: "1000",
+        priority: "high",
+        status: "active",
+        targetDate: new Date("2026-12-31T00:00:00.000Z"),
+      },
+    ]);
+
+    const result = await service.listMoneyDatePrompts("user_1", "household_1");
+
+    expect(result.cadenceSuggestion).toBe("weekly");
+    expect(result.prompts).toEqual(expect.arrayContaining([
+      expect.objectContaining({ id: "cashflow-reset", priority: "high" }),
+      expect.objectContaining({ id: "goal-progress", topic: "Goals" }),
+      expect.objectContaining({ id: "spending-pattern", topic: "Spending pattern" }),
+    ]));
+    expect(result.prompts[0]).not.toHaveProperty("transactionId");
+    expect(prisma.transactionRaw.findMany).toHaveBeenCalledWith(expect.objectContaining({
+      where: expect.objectContaining({
+        account: { householdId: "household_1", isActive: true },
+      }),
+    }));
+  });
+
   it("allows owners to update household member roles", async () => {
     const { prisma, service } = createService();
     prisma.householdMember.findFirst