[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M750FPK9F7J0DSHA7JFE4EWF":3,"skill-same:01M750FPK9F7J0DSHA7JFE4EWF":49},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":19,"linkOnly":20,"markdownContent":21,"markdownBody":22,"frontMatter":23,"refName":26,"commitSha":27,"skillDirectory":28,"forksCount":29,"repositoryHtmlUrl":30,"repositoryHomepageUrl":31,"ownerHtmlUrl":32,"ownerBlogUrl":31,"ownerDescription":33,"updatedAt":34,"install":35,"resources":48},"01M750FPK9F7J0DSHA7JFE4EWF","financial-planner",null,"Builds a complete personal financial plan - a prioritized order of operations across budgeting, emergency savings, debt payoff, and goals - from the user's actual numbers, then routes each piece to the right specialist skill. Use when someone asks \"help me get my finances in order\", \"where should my money go first\", \"should I pay off debt or save\", \"am I doing okay financially\", or \"build me a financial plan\". Do NOT use for constructing the monthly budget itself - use budget-builder instead; for sequencing multiple debts - use debt-payoff-planner; for sizing the cash cushion - use emergency-fund-planner; for investing fundamentals - use investment-basics; for retirement readiness math - use retirement-projection; for lowering a tax bill - use tax-optimization; for evaluating one large purchase - use big-purchase-decision.","SkillMedev\u002Fskills","SkillMedev","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F298078254?v=4","01M74ZSGTQ918CB0VXW4EG3RMX","SkillMe","01M74ZSGVBT497NA95CBT8JTY4",25,"MIT","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-planner\u002FSKILL.md",[],[],"2026-11-11 17:59:37",false,"---\nname: financial-planner\ndescription: Builds a complete personal financial plan - a prioritized order of operations across budgeting, emergency savings, debt payoff, and goals - from the user's actual numbers, then routes each piece to the right specialist skill. Use when someone asks \"help me get my finances in order\", \"where should my money go first\", \"should I pay off debt or save\", \"am I doing okay financially\", or \"build me a financial plan\". Do NOT use for constructing the monthly budget itself - use budget-builder instead; for sequencing multiple debts - use debt-payoff-planner; for sizing the cash cushion - use emergency-fund-planner; for investing fundamentals - use investment-basics; for retirement readiness math - use retirement-projection; for lowering a tax bill - use tax-optimization; for evaluating one large purchase - use big-purchase-decision.\nmetadata:\n  title: \"Personal Financial Planner\"\n---\n\n# Personal Financial Planner\n\nThis is the umbrella skill: it turns a messy money situation into one prioritized plan and dispatches the detailed work to specialist skills. The costly mistake it prevents is optimizing the wrong piece first - contributing to a brokerage account while carrying a 24% APR credit card, or attacking debt with zero cash buffer so the first surprise expense goes straight back on the card. Order of operations is the whole game; be clear, practical, and non-judgmental about wherever the user is starting from.\n\n## Operating procedure\n\n### Step 1: Gather inputs\n\nCollect these before recommending anything. If a number is a guess, label it a guess and proceed; refine later.\n\n1. Monthly take-home income (net, all sources). For variable income, use the average of the last three months.\n2. Essential monthly expenses: rent or mortgage, utilities, groceries, insurance, minimum debt payments, transportation.\n3. Every debt: creditor, balance, APR, minimum payment.\n4. Current cash savings and where it sits.\n5. Employer retirement plan and match terms, if any.\n6. Goals with rough timelines: a purchase, a payoff date, retirement.\n\n### Step 2: Compute three diagnostic numbers\n\n- **Monthly surplus** = take-home income minus all current spending. If unknown, take-home minus essentials minus debt minimums is the ceiling; actual surplus is usually less.\n- **Debt-to-income** = total monthly debt payments divided by gross monthly income. Under 36% is workable; above 36% is strained; above 43% is the red line lenders use and a signal that payoff must dominate the plan.\n- **Cash runway** = liquid savings divided by essential monthly expenses, in months.\n\n### Step 3: Place the user on the order of operations\n\nWalk this sequence top to bottom and stop at the first unmet step. That step is where every surplus dollar goes. The order exists because each step protects the ones below it from being undone.\n\n1. **Pay all minimums, every month.** Non-negotiable; missed payments compound the problem through fees and credit damage.\n2. **Capture the full employer match.** An unclaimed match is a 50-100% immediate return; nothing later in the sequence beats it.\n3. **Starter emergency fund: 1 month of essential expenses.** Without it, any surprise re-creates high-interest debt. Route sizing details to emergency-fund-planner.\n4. **Kill high-interest debt (above 7-8% APR).** No safe savings vehicle outpaces a 20%+ card. Route the avalanche-vs-snowball sequencing to debt-payoff-planner.\n5. **Full emergency fund: 3-6 months of essential expenses** (more for variable income - emergency-fund-planner has the risk tiers).\n6. **Tax-advantaged investing** beyond the match. Route to investment-basics and tax-optimization.\n7. **Named goals**: translate each into a monthly amount = target ÷ months to deadline. For a large purchase, run big-purchase-decision first; for retirement adequacy, run retirement-projection.\n\nLow-interest debt (below ~7%) is paid on schedule alongside steps 5-7, not attacked ahead of them, unless the user strongly prefers being debt-free - note the trade-off and respect the preference.\n\n### Step 4: Build the budget that funds the plan\n\nHand construction to budget-builder (zero-based, 50\u002F30\u002F20 starting split). The plan from Step 3 dictates the \"20\" - where savings and extra debt dollars go each month.\n\n### Step 5: Reality-check and write the plan\n\nIf the goals don't fit the surplus, say so plainly and adjust timelines or amounts - an honest 30-month plan beats a fictional 12-month one. Then fill the snapshot below.\n\n## Worked example\n\nTake-home $5,000\u002Fmo; essentials $3,100; debts: card $4,000 at 22% (min $120), student loan $12,000 at 5% (min $140); savings $1,200; employer matches 100% up to 4% of salary (~$180\u002Fmo); surplus ~$600\u002Fmo.\n\n- Diagnostics: DTI ≈ 4% of gross on minimums (fine); runway = $1,200 ÷ $3,100 ≈ 0.4 months (thin).\n- Order of operations: minimums covered → match NOT captured → fix that first ($180\u002Fmo). Starter fund needs $3,100 − $1,200 = $1,900 → ~$420\u002Fmo for 5 months. Then all surplus to the 22% card (~$600 extra + $120 min clears it in ~7 months). Student loan at 5% stays on schedule. Then build the fund to 3 months ($9,300) and start Roth IRA contributions.\n- Verdict: fully invested-and-funded position in roughly 24 months, with the match captured from month one.\n\n## Deliverable\n\nProduce a one-page plan snapshot containing: the three diagnostic numbers, the user's current step on the order of operations, the single next action with a monthly dollar amount, a dated milestone list (starter fund by ___, card cleared by ___, full fund by ___), and the specialist skills to run for each stage.\n\n```\nFINANCIAL PLAN SNAPSHOT - [FILL: name] - [FILL: month]\nTake-home: $[FILL]\u002Fmo   Essentials: $[FILL]\u002Fmo   Surplus: $[FILL]\u002Fmo\nDTI: [FILL]%   Cash runway: [FILL] months\nCURRENT STEP: [FILL: 1-7 from the order of operations]\nTHIS MONTH'S MOVE: $[FILL] to [FILL]\nMILESTONES: [FILL: milestone - target date, one per line]\n```\n\n## Do NOT\n\n- Do not recommend investing while the user carries debt above 7-8% APR and no starter fund - the math loses and the behavior collapses at the first emergency.\n- Do not skip the employer match to pay debt faster; a 50-100% instant return beats any card APR.\n- Do not build the plan on gross income; only take-home pays bills.\n- Do not present a plan the surplus cannot fund - flag unrealistic goals honestly and re-scope.\n- Do not do the specialists' jobs here; route depth to budget-builder, debt-payoff-planner, emergency-fund-planner, investment-basics, retirement-projection, tax-optimization, and big-purchase-decision.\n\n## Quality bar\n\n- Every number in the snapshot traces to a user-provided figure or is labeled a guess.\n- The plan names exactly one current step and one funded next action - not seven parallel priorities.\n- Milestones have dates derived from the actual surplus, with the math shown.\n- The order-of-operations placement is justified against the diagnostics.\n\n## Escalation\n\nThis is general financial education, not individualized financial, tax, or investment advice. Recommend a licensed professional - a CFP for complex planning, a CPA or enrolled agent for tax questions, a nonprofit credit counselor when DTI passes 43% or debts are in collections - for any decision with legal, tax, or estate consequences.\n","# Personal Financial Planner\n\nThis is the umbrella skill: it turns a messy money situation into one prioritized plan and dispatches the detailed work to specialist skills. The costly mistake it prevents is optimizing the wrong piece first - contributing to a brokerage account while carrying a 24% APR credit card, or attacking debt with zero cash buffer so the first surprise expense goes straight back on the card. Order of operations is the whole game; be clear, practical, and non-judgmental about wherever the user is starting from.\n\n## Operating procedure\n\n### Step 1: Gather inputs\n\nCollect these before recommending anything. If a number is a guess, label it a guess and proceed; refine later.\n\n1. Monthly take-home income (net, all sources). For variable income, use the average of the last three months.\n2. Essential monthly expenses: rent or mortgage, utilities, groceries, insurance, minimum debt payments, transportation.\n3. Every debt: creditor, balance, APR, minimum payment.\n4. Current cash savings and where it sits.\n5. Employer retirement plan and match terms, if any.\n6. Goals with rough timelines: a purchase, a payoff date, retirement.\n\n### Step 2: Compute three diagnostic numbers\n\n- **Monthly surplus** = take-home income minus all current spending. If unknown, take-home minus essentials minus debt minimums is the ceiling; actual surplus is usually less.\n- **Debt-to-income** = total monthly debt payments divided by gross monthly income. Under 36% is workable; above 36% is strained; above 43% is the red line lenders use and a signal that payoff must dominate the plan.\n- **Cash runway** = liquid savings divided by essential monthly expenses, in months.\n\n### Step 3: Place the user on the order of operations\n\nWalk this sequence top to bottom and stop at the first unmet step. That step is where every surplus dollar goes. The order exists because each step protects the ones below it from being undone.\n\n1. **Pay all minimums, every month.** Non-negotiable; missed payments compound the problem through fees and credit damage.\n2. **Capture the full employer match.** An unclaimed match is a 50-100% immediate return; nothing later in the sequence beats it.\n3. **Starter emergency fund: 1 month of essential expenses.** Without it, any surprise re-creates high-interest debt. Route sizing details to emergency-fund-planner.\n4. **Kill high-interest debt (above 7-8% APR).** No safe savings vehicle outpaces a 20%+ card. Route the avalanche-vs-snowball sequencing to debt-payoff-planner.\n5. **Full emergency fund: 3-6 months of essential expenses** (more for variable income - emergency-fund-planner has the risk tiers).\n6. **Tax-advantaged investing** beyond the match. Route to investment-basics and tax-optimization.\n7. **Named goals**: translate each into a monthly amount = target ÷ months to deadline. For a large purchase, run big-purchase-decision first; for retirement adequacy, run retirement-projection.\n\nLow-interest debt (below ~7%) is paid on schedule alongside steps 5-7, not attacked ahead of them, unless the user strongly prefers being debt-free - note the trade-off and respect the preference.\n\n### Step 4: Build the budget that funds the plan\n\nHand construction to budget-builder (zero-based, 50\u002F30\u002F20 starting split). The plan from Step 3 dictates the \"20\" - where savings and extra debt dollars go each month.\n\n### Step 5: Reality-check and write the plan\n\nIf the goals don't fit the surplus, say so plainly and adjust timelines or amounts - an honest 30-month plan beats a fictional 12-month one. Then fill the snapshot below.\n\n## Worked example\n\nTake-home $5,000\u002Fmo; essentials $3,100; debts: card $4,000 at 22% (min $120), student loan $12,000 at 5% (min $140); savings $1,200; employer matches 100% up to 4% of salary (~$180\u002Fmo); surplus ~$600\u002Fmo.\n\n- Diagnostics: DTI ≈ 4% of gross on minimums (fine); runway = $1,200 ÷ $3,100 ≈ 0.4 months (thin).\n- Order of operations: minimums covered → match NOT captured → fix that first ($180\u002Fmo). Starter fund needs $3,100 − $1,200 = $1,900 → ~$420\u002Fmo for 5 months. Then all surplus to the 22% card (~$600 extra + $120 min clears it in ~7 months). Student loan at 5% stays on schedule. Then build the fund to 3 months ($9,300) and start Roth IRA contributions.\n- Verdict: fully invested-and-funded position in roughly 24 months, with the match captured from month one.\n\n## Deliverable\n\nProduce a one-page plan snapshot containing: the three diagnostic numbers, the user's current step on the order of operations, the single next action with a monthly dollar amount, a dated milestone list (starter fund by ___, card cleared by ___, full fund by ___), and the specialist skills to run for each stage.\n\n```\nFINANCIAL PLAN SNAPSHOT - [FILL: name] - [FILL: month]\nTake-home: $[FILL]\u002Fmo   Essentials: $[FILL]\u002Fmo   Surplus: $[FILL]\u002Fmo\nDTI: [FILL]%   Cash runway: [FILL] months\nCURRENT STEP: [FILL: 1-7 from the order of operations]\nTHIS MONTH'S MOVE: $[FILL] to [FILL]\nMILESTONES: [FILL: milestone - target date, one per line]\n```\n\n## Do NOT\n\n- Do not recommend investing while the user carries debt above 7-8% APR and no starter fund - the math loses and the behavior collapses at the first emergency.\n- Do not skip the employer match to pay debt faster; a 50-100% instant return beats any card APR.\n- Do not build the plan on gross income; only take-home pays bills.\n- Do not present a plan the surplus cannot fund - flag unrealistic goals honestly and re-scope.\n- Do not do the specialists' jobs here; route depth to budget-builder, debt-payoff-planner, emergency-fund-planner, investment-basics, retirement-projection, tax-optimization, and big-purchase-decision.\n\n## Quality bar\n\n- Every number in the snapshot traces to a user-provided figure or is labeled a guess.\n- The plan names exactly one current step and one funded next action - not seven parallel priorities.\n- Milestones have dates derived from the actual surplus, with the math shown.\n- The order-of-operations placement is justified against the diagnostics.\n\n## Escalation\n\nThis is general financial education, not individualized financial, tax, or investment advice. Recommend a licensed professional - a CFP for complex planning, a CPA or enrolled agent for tax questions, a nonprofit credit counselor when DTI passes 43% or debts are in collections - for any decision with legal, tax, or estate consequences.\n",{"name":5,"metadata":24,"description":7},{"title":25},"Personal Financial Planner","main","97a13607d669157a4a16d5ba79b77f208319f7b9","skills\u002Ffinancial-planner",3,"https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills","https:\u002F\u002Fskillme.dev","https:\u002F\u002Fgithub.com\u002FSkillMedev","MCP-native catalog of Claude Agent Skills. Browse, recommend, install, and auto-apply skills in chat. Open source, every skill free and clonable on GitHub.","2026-10-14 03:19:31",{"source":8,"skillName":5,"commands":36,"prompt":46,"zipAvailable":47},[37,40,43],{"tool":38,"command":39},"npx","npx skills add SkillMedev\u002Fskills --skill financial-planner",{"tool":41,"command":42},"bunx","bunx skills add SkillMedev\u002Fskills --skill financial-planner",{"tool":44,"command":45},"pnpm","pnpm dlx skills add SkillMedev\u002Fskills --skill financial-planner","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Ffinancial-planner\u002FSKILL.md",true,[],[50,60,67,74,81,88],{"skillNo":51,"name":52,"nameZh":53,"description":54,"descriptionZh":55,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":56,"categories":57,"keywords":58,"publishedAt":59},"01M75271B256DF3FX2VG5VRYEE","zone-2-cardio-plan","有氧运动计划","Use when someone asks to build a steady-state cardio plan, train an aerobic base or Zone 2, structure easy or endurance weekly cardio, train by heart-rate zones, or improve resting heart rate, VO2, or endurance. Builds a heart-rate-zone aerobic training block with session structure, modality choice, and progression. General fitness guidance, not medical advice. Do NOT use to design a strength or lifting program (use Strength Training Plan), high-intensity interval conditioning, HIIT, or circuits (use Conditioning & HIIT Program), or a mobility\u002Fflexibility routine (use Mobility Routine).","当有人要求制定稳态有氧训练计划、进行有氧基础训练或达到第二区间、安排轻松或耐力型的每周有氧训练、按心率区间训练，或提高静息心率、最大摄氧量或耐力时，可以使用此方案。该方案构建了一个包含训练计划结构、训练方式选择和进度安排的心率区间有氧训练模块。本方案仅提供一般健身指导，不构成医疗建议。请勿用于设计力量或举重训练计划（请使用力量训练计划）、高强度间歇训练 (HIIT) 或循环训练（请使用体能训练和 HIIT 计划），或灵活性\u002F柔韧性训练（请使用灵活性训练计划）。","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Fzone-2-cardio-plan\u002FSKILL.md",[],[],"2026-11-11 18:27:18",{"skillNo":61,"name":62,"nameZh":6,"description":63,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":64,"categories":65,"keywords":66,"publishedAt":59},"01M7526VP1QBBKYBE17S1WR86Y","youtube-script-writer","Writes retention-engineered long-form YouTube scripts on a hook\u002Fbody\u002Fpayoff architecture - a first-30-seconds hook that survives the retention cliff, a beat-sheet body with mini-hooks and bridges, timed pattern interrupts, and a payoff that over-delivers - with B-roll and editing cues marked inline. Use when someone says \"script my next video\", \"my retention graph dies at the start\", \"tighten this draft\", or \"outline a video on X\". Do NOT use for the 3-second opener of TikTok, Reels, or Shorts - use video-hook-writer instead; do NOT use for spoken voiceover synced to on-screen tutorial actions - use narration-script instead; do NOT use for a sales demo built on a buyer's discovery notes - use demo-script instead; do NOT use to design the thumbnail and title - use thumbnail-concept instead.","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Fyoutube-script-writer\u002FSKILL.md",[],[],{"skillNo":68,"name":69,"nameZh":6,"description":70,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":71,"categories":72,"keywords":73,"publishedAt":59},"01M7526P2T0WKMHDXS4Q58237T","win-back-campaign","Designs segmented win-back email sequences for dormant users - dormancy tiers, a three-beat sequence with a single proportional incentive, and a suppression rule - and measures success by re-activation, not opens. Use when someone says \"our users went quiet\", \"design a win-back campaign\", \"how do I re-engage lapsed customers\", \"should we email people who haven't logged in for months\", or lifecycle messaging has stopped landing with a lapsed segment. Do NOT use for recovering an unfinished checkout - use abandoned-cart-sequence instead. Do NOT use for diagnosing and fixing why active customers cancel - use churn-reduction instead. Do NOT use for building always-on onboarding or nurture flows - use email-drip-builder instead.","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Fwin-back-campaign\u002FSKILL.md",[],[],{"skillNo":75,"name":76,"nameZh":6,"description":77,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":78,"categories":79,"keywords":80,"publishedAt":59},"01M7526HF2RCDJ50P93WRZRHVV","wikipedia-style","Writes neutral, verifiable, encyclopedic prose following Wikipedia's core content policies and manual of style - NPOV, inline citations, notability-backed claims, and a strict ban on promotional language. Use when someone asks \"write this like a Wikipedia article\", \"draft a Wikipedia page for this company or person\", \"make this neutral and encyclopedic\", or \"why does my article draft keep getting rejected\". Do NOT use for persuasive or opinion writing - use op-ed-writer instead; for thesis-driven academic papers, use academic-essay; for verifying claims in existing text, use fact-checker.","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Fwikipedia-style\u002FSKILL.md",[],[],{"skillNo":82,"name":83,"nameZh":6,"description":84,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":85,"categories":86,"keywords":87,"publishedAt":59},"01M7526D43CTGRKGKNQ2GB0KVX","whitepapers","Structures and writes authoritative B2B whitepapers - a standalone executive summary, a data-sized problem statement, methodology, evidence-driven findings, recommendations, and a soft call to action - flagging every claim that needs a real citation. Use when a marketer asks \"write a whitepaper on this topic\", \"turn our research into a lead-gen asset\", \"make this credible enough for executives\", or a draft reads like a product pitch instead of analysis. Do NOT use for customer-story-driven proof - use case-study-builder instead; for policy audiences, use policy-brief.","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Fwhitepapers\u002FSKILL.md",[],[],{"skillNo":89,"name":90,"nameZh":6,"description":91,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":92,"categories":93,"keywords":94,"publishedAt":59},"01M75268423Y3K50SY5WC2NX2G","white-space-analysis","Finds unmet market gaps by ranking jobs-to-be-done on importance versus satisfaction, overlaying them against current solutions and workarounds, and validating that each gap is real, winnable, and worth winning. Use when someone asks \"where are the gaps in this market\", \"what's underserved here\", \"where should we play next\", or is hunting for product, feature, or market-entry opportunities. Do NOT use for profiling competitors and building battle cards - use competitive-intelligence instead; for putting a dollar figure on an identified opportunity - use market-sizing instead; for extracting jobs-to-be-done from raw customer interviews - use jtbd-extractor instead.","https:\u002F\u002Fgithub.com\u002FSkillMedev\u002Fskills\u002Fblob\u002Fmain\u002Fskills\u002Fwhite-space-analysis\u002FSKILL.md",[],[]]