Menu

Individual skill

financial-planner

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.

skills/financial-planner/SKILL.md

Read pinned source

Source commit 97a13607d669157a4a16d5ba79b77f208319f7b9

What was checked

Matches the observed repository HEAD
Yes
Scanner rules are current
Yes
Repository scan complete
No
Skill scan complete
Yes
Observed behavior
Instructions only
Last checked
Nov 6, 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.

Repository context

Repository stars (not skill ratings)
24
Repository last updated
Oct 13, 2026
License
MIT

Observed agent integration: No specific integration evidence. Standard SKILL.md installation does not imply verified compatibility.

Files and excerpt

File metadata and permitted, redacted excerpts come from the recorded scan. Source links are pinned to that commit.

Browse files
Read excerpt

# Personal Financial Planner

This 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.

## Operating procedure

### Step 1: Gather inputs

Collect these before recommending anything. If a number is a guess, label it a guess and proceed; refine later.

1. Monthly take-home income (net, all sources). For variable income, use the average of the last three months.
2. Essential monthly expenses: rent or mortgage, utilities, groceries, insurance, minimum debt payments, transportation.
3. Every debt: creditor, balance, APR, minimum payment.
4. Current cash savings and where it sits.