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windfall-plan

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Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle. Use when asked what should I do with a windfall, I came into some money, how to use a bonus/inheritance/tax refund, or don't want to waste this money. Produces a cool-off-first plan, a tax/obligations check, an allocation across foundation-building, goals, and a guilt-free fun slice, and cautions against the classic windfall traps and the vultures that appear. Educational — not financial advice.

plugins/pm-money/skills/windfall-plan/SKILL.md

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# Windfall Plan

Windfalls tend to disappear — not through one big mistake but through a dozen small ones, plus lifestyle creep and the "advisors" who suddenly appear. A little structure changes the outcome entirely. This gives you a plan: pause before big moves, check what you owe (tax and debts), then allocate deliberately across your foundation, your goals, and a genuinely guilt-free bit of fun.

## What This Skill Produces

- **A cool-off plan** — park it safely and make no big irreversible decisions for a set window; windfalls invite rash moves
- **An obligations check** — tax owed on it (some windfalls are taxable), and any debts or commitments to clear first
- **An allocation** — a deliberate split across emergency fund/high-interest debt (foundation), specific goals, longer-term investing, and a defined fun slice
- **Trap avoidance** — lifestyle inflation, risky "opportunities," lending to everyone, and the salespeople who circle a windfall
- **A "get help if it's big" flag** — when the amount warrants a fee-only professional

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