Checkpoint

app/controllers/concerns/accountable_resource.rb

@@ -2,7 +2,7 @@ module AccountableResource
   extend ActiveSupport::Concern
 
   included do
-    include ScrollFocusable, Periodable
+    include ScrollFocusable, Periodable, StreamExtensions
 
     before_action :set_account, only: [ :show, :edit, :update, :destroy ]
     before_action :set_link_options, only: :new
@@ -39,7 +39,10 @@ module AccountableResource
     @account = Current.family.accounts.create_and_sync(account_params.except(:return_to))
     @account.lock_saved_attributes!
 
-    redirect_to account_params[:return_to].presence || @account, notice: t("accounts.create.success", type: accountable_type.name.underscore.humanize)
+    respond_to do |format|
+      format.html { redirect_to account_params[:return_to].presence || @account, notice: accountable_type.name.underscore.humanize + " account created" }
+      format.turbo_stream { stream_redirect_to account_params[:return_to].presence || account_path(@account), notice: accountable_type.name.underscore.humanize + " account created" }
+    end
   end
 
   def update
@@ -54,7 +57,7 @@ module AccountableResource
     end
 
     # Update remaining account attributes
-    update_params = account_params.except(:return_to, :balance, :currency)
+    update_params = account_params.except(:return_to, :balance, :currency, :tracking_start_date)
     unless @account.update(update_params)
       @error_message = @account.errors.full_messages.join(", ")
       render :edit, status: :unprocessable_entity
@@ -62,7 +65,11 @@ module AccountableResource
     end
 
     @account.lock_saved_attributes!
-    redirect_back_or_to @account, notice: t("accounts.update.success", type: accountable_type.name.underscore.humanize)
+
+    respond_to do |format|
+      format.html { redirect_back_or_to @account, notice: accountable_type.name.underscore.humanize + " account updated" }
+      format.turbo_stream { stream_redirect_to @account, notice: accountable_type.name.underscore.humanize + " account updated" }
+    end
   end
 
   def destroy
@@ -90,7 +97,7 @@ module AccountableResource
 
     def account_params
       params.require(:account).permit(
-        :name, :balance, :subtype, :currency, :accountable_type, :return_to,
+        :name, :balance, :subtype, :currency, :accountable_type, :return_to, :tracking_start_date,
         accountable_attributes: self.class.permitted_accountable_attributes
       )
     end

app/models/account.rb

@@ -57,20 +57,20 @@ class Account < ApplicationRecord
 
   class << self
     def create_and_sync(attributes)
+      start_date = attributes.delete(:tracking_start_date) || 2.years.ago.to_date
       attributes[:accountable_attributes] ||= {} # Ensure accountable is created, even if empty
       account = new(attributes.merge(cash_balance: attributes[:balance]))
       initial_balance = attributes.dig(:accountable_attributes, :initial_balance)&.to_d || account.balance
 
       account.entries.build(
         name: Valuation::Name.new("opening_anchor", account.accountable_type).to_s,
-        date: 2.years.ago.to_date,
+        date: start_date,
         amount: initial_balance,
         currency: account.currency,
         entryable: Valuation.new(
           kind: "opening_anchor",
           balance: initial_balance,
-          cash_balance: initial_balance,
+          cash_balance: initial_balance
-          currency: account.currency
         )
       )
 

app/models/account/balance_updater.rb

@@ -18,12 +18,16 @@ class Account::BalanceUpdater
       end
 
       valuation_entry = account.entries.valuations.find_or_initialize_by(date: date) do |entry|
-        entry.entryable = Valuation.new
+        entry.entryable = Valuation.new(
+          kind: "recon",
+          balance: balance,
+          cash_balance: balance
+        )
       end
 
       valuation_entry.amount = balance
       valuation_entry.currency = currency if currency.present?
-      valuation_entry.name = valuation_name(valuation_entry.entryable, account)
+      valuation_entry.name = valuation_name(valuation_entry, account)
       valuation_entry.notes = notes if notes.present?
       valuation_entry.save!
     end

app/models/valuation.rb

@@ -11,6 +11,7 @@ class Valuation < ApplicationRecord
   # Each account can have at most 1 opening anchor and 1 current anchor. All valuations between these anchors should
   # be either "recon" or "snapshot". This ensures we can reliably construct the account balance history solely from Entries.
   validate :unique_anchor_per_account, if: -> { opening_anchor? || current_anchor? }
+  validate :manual_accounts_cannot_have_current_anchor
 
   private
     def unique_anchor_per_account
@@ -26,4 +27,12 @@ class Valuation < ApplicationRecord
         errors.add(:kind, "#{kind.humanize} already exists for this account")
       end
     end
+
+    def manual_accounts_cannot_have_current_anchor
+      return unless entry&.account
+
+      if entry.account.unlinked? && current_anchor?
+        errors.add(:kind, "Manual accounts cannot have a current anchor")
+      end
+    end
 end

app/views/accounts/_form.html.erb

@@ -1,10 +1,12 @@
 <%# locals: (account:, url:) %>
 
 <% if @error_message.present? %>
+  <div class="mb-4">
     <%= render AlertComponent.new(message: @error_message, variant: :error) %>
+  </div>
 <% end %>
 
-<%= styled_form_with model: account, url: url, scope: :account, data: { turbo: false }, class: "flex flex-col gap-4 justify-between grow text-primary" do |form| %>
+<%= styled_form_with model: account, url: url, scope: :account, class: "flex flex-col gap-4 justify-between grow text-primary" do |form| %>
   <div class="grow space-y-2">
     <%= form.hidden_field :accountable_type %>
     <%= form.hidden_field :return_to, value: params[:return_to] %>
@@ -12,7 +14,19 @@
     <%= form.text_field :name, placeholder: t(".name_placeholder"), required: "required", label: t(".name_label") %>
 
     <% unless account.linked? %>
-      <%= form.money_field :balance, label: t(".balance"), required: true, default_currency: Current.family.currency %>
+      <%= form.money_field :balance, 
+                           label: t(".balance"), 
+                           required: true, 
+                           default_currency: Current.family.currency,
+                           label_tooltip: "The current balance or value of the account, which is typically the balance reported by your financial institution." %>
+
+      <% unless account.persisted? %>
+        <%= form.date_field :tracking_start_date, 
+                            label: "Tracking start date", 
+                            required: true, 
+                            value: 2.years.ago.to_date, 
+                            label_tooltip: "The date we will start tracking the balance for this account. If you're not sure, we recommend using the default of 2 years ago so net worth graphs have adequate historical data." %>
+      <% end %>
     <% end %>
 
     <%= yield form %>

db/migrate/20250707130134_add_valuation_kind_field_for_anchors.rb

@@ -3,21 +3,18 @@ class AddValuationKindFieldForAnchors < ActiveRecord::Migration[7.2]
     add_column :valuations, :kind, :string, default: "recon"
     add_column :valuations, :balance, :decimal, precision: 19, scale: 4
     add_column :valuations, :cash_balance, :decimal, precision: 19, scale: 4
-    add_column :valuations, :currency, :string
 
     # Copy `amount` from Entry, set both `balance` and `cash_balance` to the same value on all Valuation records, and `currency` from Entry to Valuation
     execute <<-SQL
       UPDATE valuations
       SET
         balance = entries.amount,
-        cash_balance = entries.amount,
+        cash_balance = entries.amount
-        currency = entries.currency
       FROM entries
       WHERE entries.entryable_type = 'Valuation' AND entries.entryable_id = valuations.id
     SQL
 
     change_column_null :valuations, :kind, false
-    change_column_null :valuations, :currency, false
     change_column_null :valuations, :balance, false
     change_column_null :valuations, :cash_balance, false
   end
@@ -26,6 +23,5 @@ class AddValuationKindFieldForAnchors < ActiveRecord::Migration[7.2]
     remove_column :valuations, :kind
     remove_column :valuations, :balance
     remove_column :valuations, :cash_balance
-    remove_column :valuations, :currency
   end
 end

db/schema.rb

@@ -783,7 +783,6 @@ ActiveRecord::Schema[7.2].define(version: 2025_07_07_130134) do
     t.string "kind", default: "recon", null: false
     t.decimal "balance", precision: 19, scale: 4, null: false
     t.decimal "cash_balance", precision: 19, scale: 4, null: false
-    t.string "currency", null: false
   end
 
   create_table "vehicles", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|

test/fixtures/valuations.yml

@@ -1,2 +1,3 @@
-one: { }
+one:
-two: { }
+  balance: 4995
+  cash_balance: 4995

test/support/entries_test_helper.rb

@@ -16,16 +16,19 @@ module EntriesTestHelper
   end
 
   def create_valuation(attributes = {})
+    entry_attributes = attributes.except(:kind)
+    valuation_attributes = attributes.slice(:kind)
+
     entry_defaults = {
       account: accounts(:depository),
       name: "Valuation",
       date: 1.day.ago.to_date,
       currency: "USD",
       amount: 5000,
-      entryable: Valuation.new
+      entryable: Valuation.new(valuation_attributes.merge(balance: 5000, cash_balance: 5000))
     }
 
-    Entry.create! entry_defaults.merge(attributes)
+    Entry.create! entry_defaults.merge(entry_attributes)
   end
 
   def create_trade(security, account:, qty:, date:, price: nil, currency: "USD")