Individual skill

major-purchase-decision

Applies a structured buy/wait/skip decision framework to any large purchase. Evaluates affordability, needs vs. wants, financing cost, opportunity cost, and timing. Produces a scored decision matrix using the user's actual numbers and priorities without recommending the outcome. Use when the user asks about making a large purchase, is deciding whether to buy something expensive, or wants a framework for evaluating a significant spending decision. Do NOT use for home buying (use home-buying-checklist), car buying specifically (use car-buying-analysis), or insurance decisions (use insurance-comparison).

src/process/resources/skills-library/bodies/skills/personal-finance/major-purchase-decision/SKILL.md

Source commit 4c030c7b01c241df7b6e3535635a970f10d781af

What was checked

Matches the observed repository HEAD

Yes

Scanner rules are current

No

Repository scan complete

No

Skill scan complete

Yes

Observed behavior

Not checked yet

Last checked

Nov 4, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

Install this skill

Choose an agent in your Stack or copy a command below. Commands fetch the pinned commit and copy only this skill directory. Existing destinations are refused. Copying a command does not install anything.

An install command is unavailable: current rules, complete repository and skill scans, an eligible behavior level and a permitted license are required.