功能描述

Complete personal finance system — budgeting, debt payoff, investing, tax optimization, net worth tracking, and financial independence planning. Use when man...

使用说明 (SKILL.md)

Personal Finance Mastery

Name: Personal Finance Mastery
Author: 1kalin

Complete personal finance system covering budgeting, debt elimination, investing, tax optimization, insurance, estate planning, and financial independence. Works for any income level, any country.

Quick Financial Health Check

Run /finance-check to score current financial health:

Signal	Healthy	Warning	Critical
Emergency fund	3-6 months expenses	1-3 months	\x3C 1 month
Savings rate	> 20%	10-20%	\x3C 10%
Debt-to-income	\x3C 36%	36-50%	> 50%
Housing cost	\x3C 28% of gross	28-35%	> 35%
Net worth trend	Growing quarterly	Flat	Declining
Insurance coverage	All critical covered	Gaps exist	Major gaps
Investment allocation	Age-appropriate	Slightly off	Way off
Tax optimization	Using all vehicles	Some unused	None used

Score: /16. Below 10 = immediate action needed.

Phase 1: Financial Snapshot

Net Worth Statement

net_worth:
  date: "YYYY-MM-DD"
  assets:
    liquid:
      checking: 0
      savings: 0
      money_market: 0
    investments:
      retirement_401k: 0
      retirement_ira: 0
      brokerage: 0
      hsa: 0
      crypto: 0
    property:
      home_value: 0
      vehicles: 0
      other: 0
  liabilities:
    mortgage: 0
    student_loans: 0
    auto_loans: 0
    credit_cards: 0
    personal_loans: 0
    other_debt: 0
  net_worth: 0  # assets - liabilities
  monthly_income_gross: 0
  monthly_income_net: 0
  monthly_expenses: 0
  savings_rate: 0  # (income_net - expenses) / income_net
  debt_to_income: 0  # total_debt_payments / gross_income

Income Inventory

Document ALL income sources:

Source	Type	Stability	Growth Potential
Primary job	W-2/salary	High	Moderate
Side business	1099/self-emp	Variable	High
Investments	Dividends/interest	Moderate	Moderate
Rental income	Passive	Moderate	Moderate
Other

Monthly Cash Flow Map

INCOME (net take-home)
├── Fixed Expenses (needs) — target: ≤50%
│   ├── Housing (rent/mortgage + insurance + tax)
│   ├── Utilities (electric, water, gas, internet, phone)
│   ├── Transportation (car payment, insurance, fuel, transit)
│   ├── Insurance (health, life, disability)
│   ├── Minimum debt payments
│   └── Groceries (baseline)
├── Financial Goals (savings/investing) — target: ≥20%
│   ├── Emergency fund
│   ├── Retirement contributions
│   ├── Investment contributions
│   ├── Debt extra payments
│   └── Specific savings goals
└── Lifestyle (wants) — target: ≤30%
    ├── Dining out
    ├── Entertainment/subscriptions
    ├── Shopping/clothing
    ├── Travel
    ├── Hobbies
    └── Personal care

This is the 50/30/20 framework — adjust ratios to your situation but track against these benchmarks.

Phase 2: Emergency Fund

Priority #1 — Before Investing

Stage	Target	Timeline	Where to Keep
Starter	$1,000 (or 1 month)	1-3 months	High-yield savings
Basic	3 months expenses	3-6 months	High-yield savings
Full	6 months expenses	6-12 months	HYSA + money market
Enhanced	12 months expenses	Optional	HYSA + I-bonds + money market

When to Use Emergency Fund

YES — True emergencies:

Job loss
Medical emergency
Essential home/car repair
Urgent family situation

NO — Not emergencies:

Vacations
Sales/deals
Predictable expenses (insurance premiums, taxes)
Lifestyle upgrades

Replenishment Rules

After any withdrawal, replenish becomes priority #1
Redirect all non-essential spending until restored
Set automatic transfer to rebuild over 3-6 months

Phase 3: Debt Elimination

Debt Inventory

debt_inventory:
  - name: "Credit Card A"
    balance: 0
    interest_rate: 0
    minimum_payment: 0
    type: "revolving"
    tax_deductible: false
  - name: "Student Loan"
    balance: 0
    interest_rate: 0
    minimum_payment: 0
    type: "installment"
    tax_deductible: true

Strategy Selection

Method	How It Works	Best For	Psychology
Avalanche	Pay highest interest first	Mathematically optimal, saves most money	Disciplined people
Snowball	Pay smallest balance first	Fastest "wins", builds momentum	Need motivation
Hybrid	Pay any debt \x3C $500 first, then avalanche	Quick wins + math optimization	Most people

Debt Priority Order

Payday loans / title loans (300%+ APR) — eliminate immediately, even if it means selling things
Credit cards (15-30% APR) — aggressive payoff
Personal loans (8-15% APR) — steady payoff
Auto loans (4-8% APR) — pay minimum unless rate > 6%
Student loans (3-7% APR) — pay minimum, invest the difference if rate \x3C 5%
Mortgage (3-7% APR) — usually don't accelerate, invest instead

The Crossover Rule

If debt interest rate > expected investment return (historically ~7-10% stocks): → Pay off debt first

If debt interest rate \x3C expected investment return: → Pay minimum on debt, invest the difference

Grey zone (4-7%): → Split extra money 50/50 between debt payoff and investing

Debt Payoff Accelerators

Balance transfer — 0% APR cards (watch transfer fees, 3-5%)
Refinance — lower rate on student loans, mortgage, auto
Consolidation — single payment, potentially lower rate
Income boost — side income dedicated 100% to debt
Expense audit — cancel subscriptions, negotiate bills
Sell assets — unused items → debt payoff

Credit Score Management

Factor	Weight	How to Optimize
Payment history	35%	Never miss a payment — automate minimums
Credit utilization	30%	Keep below 30%, ideally below 10%
Length of history	15%	Don't close old cards
Credit mix	10%	Installment + revolving is good
New credit	10%	Limit hard inquiries

Phase 4: Budgeting System

Budget Template

monthly_budget:
  month: "YYYY-MM"
  income:
    salary_net: 0
    side_income: 0
    other: 0
    total: 0
  
  fixed_expenses:  # ≤50% of income
    housing: 0
    utilities: 0
    transportation: 0
    insurance: 0
    debt_minimums: 0
    groceries: 0
    childcare: 0
    subscriptions_essential: 0
    subtotal: 0
    percent_of_income: 0
  
  financial_goals:  # ≥20% of income
    emergency_fund: 0
    retirement: 0
    investments: 0
    debt_extra: 0
    savings_goals: 0
    subtotal: 0
    percent_of_income: 0
  
  lifestyle:  # ≤30% of income
    dining_out: 0
    entertainment: 0
    shopping: 0
    travel_fund: 0
    hobbies: 0
    personal_care: 0
    gifts: 0
    subscriptions_fun: 0
    subtotal: 0
    percent_of_income: 0
  
  variance: 0  # income - all expenses (should be ≥ 0)

Expense Tracking Methods

Method	Effort	Best For
Envelope system	High	Cash-heavy, needs discipline
App tracking (YNAB, Mint)	Low	Tech-savvy, automated
Spreadsheet	Medium	Control-oriented, custom
Agent-tracked	Low	Let AI categorize + alert
Reverse budgeting	Lowest	Auto-transfer savings first, spend rest

Reverse Budgeting (Recommended)

The simplest effective system:

Day 1 of month: Auto-transfer savings/investment target to separate accounts
Day 1 of month: Auto-pay all fixed bills
Remaining: Spend freely — guilt-free because goals are already funded
Monthly: Review if remaining amount felt tight or generous → adjust

Subscription Audit

Run quarterly:

List every recurring charge
Score each 1-5 (value received)
Cancel anything scoring ≤ 2
Downgrade anything scoring 3
Keep 4-5s
Common waste: streaming services (how many do you actually watch?), gym memberships (do you go?), software trials, news subscriptions

Annual Expenses Calendar

Don't let irregular expenses surprise you:

Month	Expense	Amount	Funded?
Jan	Insurance renewal
Mar	Tax preparation
Apr	Tax payment (if owed)
Jun	Car registration
Aug	Back to school
Nov	Holiday gifts
Dec	Annual subscriptions

Sinking fund: Divide annual expenses by 12, save monthly. No surprises.

Phase 5: Investing

Investment Priority Order

Follow this exact sequence:

Employer 401(k) match — FREE money, always max this first (typically 3-6% match)
High-interest debt payoff — anything > 7% APR
Emergency fund — 3-6 months
HSA (if eligible) — triple tax advantage ($4,150 individual / $8,300 family, 2024)
Roth IRA — $7,000/year ($8,000 if 50+), tax-free growth
401(k) beyond match — up to $23,000/year ($30,500 if 50+)
Taxable brokerage — no limits, more flexibility
529 plan (if kids) — tax-free education growth
Real estate / alternatives — only after 1-8 are solid

Asset Allocation by Age

Simple rule: Age in bonds, rest in stocks (adjust for risk tolerance)

Age Range	Stocks	Bonds	Alternatives	Risk Level
20-35	90%	10%	0%	Aggressive
35-45	80%	15%	5%	Growth
45-55	70%	25%	5%	Moderate
55-65	60%	35%	5%	Conservative
65+	40-50%	40-50%	0-10%	Preservation

Simple Portfolio Models

3-Fund Portfolio (Bogleheads recommended):

US Total Stock Market (VTI/VTSAX) — 60%
International Stock Market (VXUS/VTIAX) — 30%
US Total Bond Market (BND/VBTLX) — 10%

2-Fund Portfolio (even simpler):

Target Date Fund (e.g., Vanguard 2055) — 100%
Adjust nothing until retirement

Income Portfolio (retirees):

Dividend stocks (VYM/SCHD) — 30%
Bonds (BND/AGG) — 40%
REITs (VNQ) — 15%
Cash/money market — 15%

Investment Rules

Never invest money you need within 5 years — use HYSA/CDs for short-term
Dollar-cost average — invest consistently regardless of market conditions
Don't time the market — time IN the market beats timing THE market
Keep fees below 0.2% — index funds, not active management
Rebalance annually — sell winners, buy losers (back to target allocation)
Ignore daily market news — check portfolio quarterly at most
Tax-loss harvest in taxable accounts — offset gains with losses
Never panic sell — downturns are buying opportunities

Compound Growth Reference

$500/month invested at 7% average return:

Years	Contributed	Portfolio Value	Growth
5	$30,000	$35,800	$5,800
10	$60,000	$86,500	$26,500
20	$120,000	$260,500	$140,500
30	$180,000	$607,000	$427,000
40	$240,000	$1,320,000	$1,080,000

The message: Start early. Time is the biggest factor.

Phase 6: Tax Optimization

Tax-Advantaged Account Summary

Account	Contribution Limit (2024)	Tax Treatment	Best For
Traditional 401(k)	$23,000 ($30,500 50+)	Pre-tax in, taxed out	High earners now
Roth 401(k)	$23,000 ($30,500 50+)	After-tax in, tax-free out	Expect higher tax later
Traditional IRA	$7,000 ($8,000 50+)	Pre-tax in, taxed out	No employer plan
Roth IRA	$7,000 ($8,000 50+)	After-tax in, tax-free out	Under income limits
HSA	$4,150/$8,300	Pre-tax in, tax-free out	Triple tax advantage
529 Plan	Varies by state	After-tax in, tax-free for education	Kids' college
Mega Backdoor Roth	Up to $69,000 total	After-tax → Roth conversion	High earners

Tax Reduction Strategies

For employees:

Max 401(k) contributions — reduces taxable income
Use FSA/HSA for medical expenses
Itemize deductions if > standard deduction ($14,600 single / $29,200 married, 2024)
Charitable donations — donor-advised fund for bunching
State/local tax (SALT) deduction — up to $10,000

For self-employed:

SEP IRA or Solo 401(k) — up to $69,000/year
Qualified Business Income deduction — 20% of QBI
Home office deduction — dedicated space required
Business expenses — equipment, software, travel, meals (50%)
Health insurance premium deduction
Retirement plan contributions
Vehicle expenses — mileage or actual costs

For investors:

Hold investments > 1 year — long-term capital gains rate (0/15/20% vs ordinary income)
Tax-loss harvesting — sell losers to offset gains
Asset location — bonds in tax-advantaged, stocks in taxable
Qualified dividends — taxed at capital gains rate
Roth conversion ladder — convert in low-income years
Donate appreciated stock — avoid capital gains + get deduction
Opportunity Zones — defer and reduce capital gains

Tax Planning Calendar

Month	Action
January	Gather W-2s, 1099s, receipts
February	Estimate tax liability
March	File or extend (April 15 deadline)
April	Q1 estimated tax payment (if self-employed)
June	Q2 estimated tax payment
September	Q3 estimated tax payment
October	Extended filing deadline
November	Tax-loss harvesting review
December	Max retirement contributions, charitable donations, Roth conversions
January	Q4 estimated tax payment

Phase 7: Insurance & Protection

Essential Coverage Checklist

Insurance	Need Level	Notes
Health insurance	Critical	ACA marketplace if no employer plan
Auto insurance	Critical (if driving)	Liability + collision/comprehensive
Renters/homeowners	Critical	Covers belongings + liability
Life insurance	Critical (if dependents)	Term life = 10-12x annual income
Disability insurance	Important	60-70% income replacement
Umbrella liability	Important (high net worth)	$1M+ coverage, cheap
Long-term care	Consider (age 50+)	Protect retirement assets

Life Insurance Decision Tree

Do you have dependents who rely on your income?
├── YES → Buy term life insurance
│   ├── Coverage: 10-12x annual income
│   ├── Term: until youngest child is 25 or mortgage is paid
│   └── Type: TERM (not whole life — invest the difference)
└── NO → Skip for now, reassess when situation changes

Rule: Never buy whole life insurance as an investment. Buy term, invest the difference.

Insurance Optimization

Bundle policies — same insurer for home + auto = 10-25% discount
Raise deductibles — $500 → $1,000 deductible saves 15-30% on premiums
Shop annually — rates vary wildly between insurers
Review coverage yearly — life changes mean coverage changes
Don't over-insure — match coverage to actual risk and assets

Phase 8: Major Purchase Planning

Home Buying Readiness

Factor	Ready	Not Ready
Emergency fund	3-6 months AFTER down payment	Drained by purchase
Down payment	20% (avoids PMI)	\x3C 10%
Debt-to-income	\x3C 36% with mortgage	> 43%
Credit score	740+ (best rates)	\x3C 680
Job stability	2+ years steady income	Recent job change
Plan to stay	5+ years	\x3C 3 years (rent instead)
Monthly cost	\x3C 28% of gross income	> 35%

Rent vs Buy Decision

Monthly cost comparison:

Renting: rent + renters insurance
Buying: mortgage + property tax + insurance + HOA + maintenance (1-3% of value/year) + opportunity cost of down payment

Buy if: staying 5+ years AND total ownership cost \x3C rent AND you want the stability. Rent if: \x3C 5 years OR high mobility OR local market is overpriced (price-to-rent > 20x).

Car Buying Rules

Total vehicle cost \x3C 35% of annual income (purchase price)
Buy used (2-4 years old) — avoid 30-40% depreciation
Pay cash if possible — if financing, keep loan \x3C 48 months
Total transportation \x3C 15% of take-home (payment + insurance + fuel + maintenance)
Never lease unless business write-off justifies it

Phase 9: Financial Independence (FI)

FI Number Calculation

FI Number = Annual Expenses × 25

Based on the 4% rule (Trinity Study — 4% withdrawal rate has historically survived 30-year retirements).

Annual Expenses	FI Number	Monthly Savings Needed (25 years at 7%)
$30,000	$750,000	$940/month
$50,000	$1,250,000	$1,567/month
$75,000	$1,875,000	$2,350/month
$100,000	$2,500,000	$3,134/month

FI Stages

Stage	Description	What Changes
Coast FI	Enough invested that compound growth alone will fund retirement by 65	Can take lower-paying fulfilling work
Barista FI	Investments cover most expenses, need small income	Part-time work for insurance/extras
Lean FI	25x minimal expenses saved	Can stop working, frugal lifestyle
FI	25x comfortable expenses saved	Full financial independence
Fat FI	25x generous expenses saved	Independence with luxury

FI Tracking Dashboard

fi_tracker:
  date: "YYYY-MM-DD"
  annual_expenses: 0
  fi_number: 0  # expenses × 25
  current_invested: 0
  fi_percentage: 0  # invested / fi_number × 100
  monthly_savings: 0
  savings_rate: 0
  years_to_fi: 0  # calculated from savings rate
  coast_fi_number: 0  # what you need now to coast to 65
  coast_fi_reached: false

Savings Rate → Years to FI

Savings Rate	Years to FI
10%	51 years
20%	37 years
30%	28 years
40%	22 years
50%	17 years
60%	12.5 years
70%	8.5 years
80%	5.5 years

The lever: Cutting expenses is 2x as powerful as earning more (reduces FI number AND increases savings).

Safe Withdrawal Strategies

Strategy	Rate	Best For
Fixed 4%	4% of initial portfolio, adjusted for inflation	Simple, traditional
Variable %	3-5% based on market conditions	Adapts to market
Guardrails	4% base, increase/decrease if portfolio deviates 20%	Balanced
Bucket strategy	2 years cash + 5 years bonds + rest stocks	Sequence risk protection

Phase 10: Estate Planning Essentials

Documents Everyone Needs

Document	What It Does	Priority
Will	Distributes assets, names guardian for children	Critical
Power of Attorney	Someone manages finances if incapacitated	Critical
Healthcare Directive	Medical wishes if you can't communicate	Critical
Beneficiary designations	Override will for 401k, IRA, life insurance	Critical
Trust (optional)	Avoids probate, privacy, control	Important if assets > $500K

Digital Estate Checklist

Password manager shared with trusted person
List of all financial accounts and institutions
Crypto wallet recovery phrases stored securely
Social media legacy contacts set
Email account recovery instructions
Insurance policies documented and locatable
Safe deposit box key location documented

Phase 11: Financial Review Cadence

Weekly (5 minutes)

Check bank/credit card for unauthorized charges
Log any large or unusual expenses
Verify automated transfers went through

Monthly (30 minutes)

monthly_review:
  month: "YYYY-MM"
  income_actual: 0
  expenses_actual: 0
  savings_actual: 0
  savings_rate_actual: 0
  budget_variances:
    over_budget: []
    under_budget: []
  net_worth_change: 0
  debt_paid_this_month: 0
  investments_contributed: 0
  action_items: []

Quarterly (1 hour)

Update net worth statement
Review investment allocation (rebalance if > 5% drift)
Subscription audit
Insurance coverage check
Update financial goals progress

Annually (half day)

Full financial plan review
Tax planning for next year
Insurance shopping/comparison
Beneficiary designation review
Will/estate document review
Set next year's financial goals
Negotiate bills (insurance, phone, internet, subscriptions)

Financial Scoring Rubric (0-100)

Dimension	Weight	0-25	50	75	100
Emergency fund	15%	\x3C 1 month	1-3 months	3-6 months	6+ months
Debt management	15%	High-interest debt, no plan	Plan exists	Only low-interest	Debt-free
Savings rate	15%	\x3C 5%	10-15%	15-25%	> 25%
Investment strategy	15%	Not investing	Investing but no plan	Diversified + tax-optimized	Full optimization
Insurance coverage	10%	Major gaps	Basic coverage	Solid coverage	Fully optimized
Tax optimization	10%	No tax planning	Using some accounts	Maxing accounts	Full strategy
Net worth growth	10%	Declining	Flat	Growing	Accelerating
Estate planning	10%	Nothing	Basic will	Will + POA + directive	Complete plan

Scoring Guide

90-100: Financial mastery — maintain and optimize
70-89: Strong foundation — optimize tax and estate
50-69: Building — focus on savings rate and debt
30-49: Getting started — emergency fund + debt payoff
0-29: Crisis mode — stabilize cash flow, minimum debt payments

Common Mistakes

Mistake	Why It Hurts	Fix
No emergency fund	One crisis = debt spiral	Build $1K starter, then 3 months
Lifestyle inflation	Raises never turn into wealth	Save 50%+ of every raise
Paying minimums on high-interest debt	Interest compounds against you	Avalanche or snowball method
Not investing early	Missing compound growth	Start with $50/month today
Timing the market	Miss best days = miss most gains	Dollar-cost average, always
Whole life insurance	Expensive, bad returns	Buy term, invest the difference
No tax planning	Leaving thousands on the table	Max tax-advantaged accounts
Ignoring insurance	One event = financial ruin	Cover the catastrophic risks
Emotional spending	Budget-busting	48-hour rule for purchases > $100
Keeping up with others	Comparison drives overspending	Track YOUR net worth, ignore others

Edge Cases

Irregular Income (Freelance / Commission)

Budget based on lowest 3-month average from past year
In good months, build buffer to 3 months ahead
Separate business and personal accounts
Set aside 25-30% for taxes immediately (estimated payments quarterly)
Variable expenses flex, fixed expenses stay locked

Dual Income / Couples

Decide: fully joint, fully separate, or hybrid (joint for shared + separate for personal)
Hybrid recommended: joint account for bills/goals + personal "fun money" accounts
Monthly money meeting — review budget, goals, upcoming expenses together
Life insurance on BOTH incomes
Estate planning is critical — both wills, beneficiaries aligned

High Income ($200K+)

Max ALL tax-advantaged accounts (401k, backdoor Roth, HSA, mega backdoor if available)
Donor-advised fund for charitable giving
Umbrella liability insurance ($1-2M)
Estate planning with trusts
Consider tax diversification: pre-tax + Roth + taxable + real estate
Beware lifestyle creep — savings rate matters more than income

Fresh Start (Post-Bankruptcy / Major Setback)

Secured credit card to rebuild credit
Budget with zero-based budgeting (every dollar assigned)
Emergency fund is priority #1 (even $500 helps)
No new debt until existing is managed
Focus on income growth — skills, certifications, side income

International / Multi-Currency

Track in primary currency, note exchange rates for foreign accounts
Understand tax obligations in BOTH countries (US citizens taxed on worldwide income)
FBAR filing if foreign accounts > $10K aggregate
FATCA reporting for foreign financial assets
Currency hedging for large foreign holdings

Agent Automation

Daily

Categorize new transactions
Flag unusual spending (> 2x category average)
Check account balances

Weekly

Generate spending summary by category
Compare actual vs budget
Alert if any category > 90% of monthly budget

Monthly

Generate full budget report with variances
Update net worth tracking
Calculate savings rate
Debt payoff progress update
Investment contribution tracking

Quarterly

Net worth trend chart
FI percentage update
Insurance review reminder
Rebalancing check (portfolio drift > 5%)

Annually

Full financial health score (0-100)
Year-over-year net worth comparison
Tax optimization review
Estate document review reminder
Goal setting for next year

File Structure

finance/
├── net-worth-YYYY-MM.yaml      # Monthly net worth snapshots
├── budget-YYYY-MM.yaml         # Monthly budgets
├── debt-tracker.yaml           # Debt inventory and payoff progress
├── investment-allocation.yaml  # Current portfolio allocation
├── fi-tracker.yaml             # Financial independence progress
├── annual-expenses.yaml        # Sinking fund calendar
├── insurance-coverage.yaml     # All policies
├── estate-checklist.yaml       # Documents and beneficiaries
└── reviews/
    ├── monthly-YYYY-MM.md      # Monthly review notes
    └── annual-YYYY.md          # Annual review

Natural Language Commands

"What's my net worth?" → Calculate from latest snapshot
"How's my budget this month?" → Compare actual vs plan
"When will I be debt-free?" → Calculate based on current payoff rate
"Am I on track for FI?" → Show FI percentage and years remaining
"Score my finances" → Run 0-100 scoring rubric
"What should I do with an extra $500?" → Apply to priority order
"Review my subscriptions" → List all recurring charges with value scores
"Tax optimization check" → Review which accounts are maxed
"How much house can I afford?" → Calculate based on income and debts
"Compare my spending this month vs last" → Category-by-category comparison
"Rebalance check" → Compare current allocation to target
"Set a savings goal" → Create goal with timeline and monthly amount

安全使用建议

This skill is a collection of finance frameworks and templates, not a connector to your bank or broker. It does not request credentials or install code, so it's internally consistent with its stated purpose. Before using it: (1) Do not paste API keys, passwords, or exported transaction files into the skill unless you trust the agent and destination; the skill won't store or transmit anything itself but an agent or other skill might. (2) If you want 'automation' (transaction categorization, scheduled reviews), expect to need separate connectors/credentials — review any additional integration steps carefully and only grant account access to trusted connectors. (3) Verify the remainder of the SKILL.md (the file was truncated in the manifest) for any steps that might ask for data exports or external endpoints. (4) If you plan to let an autonomous agent perform recurring financial actions, consider restricting autonomous invocation and review logs/outputs for sensitive data before sharing.

功能分析

Type: OpenClaw Skill Name: afrexai-personal-finance Version: 1.0.0 The OpenClaw AgentSkills bundle provides a comprehensive personal finance system. The `SKILL.md` and `README.md` files contain extensive instructions for an AI agent to track, analyze, and advise on personal financial data, including net worth, budgeting, debt, investments, and taxes. While the skill inherently handles sensitive personal financial information, there are no instructions for data exfiltration, unauthorized command execution, persistence, obfuscation, or any other malicious activities. The agent automation and natural language commands are entirely aligned with the stated purpose of financial management, and external links are for additional products/skills from the same developer, which is considered marketing rather than a supply chain attack.

能力评估

✓ Purpose & Capability

Name, description, README and SKILL.md all describe budgeting, net worth tracking, debt payoff, investing, tax optimization and related guidance; there are no environment variables, binaries, or install actions that would be unexpected for a purely instructional finance toolkit.

ℹ Instruction Scope

The SKILL.md contains templates, checklists, scoring and workflow steps and appears to be guidance-only. It mentions 'Agent automation — daily transaction categorization, weekly summaries, monthly reviews, quarterly rebalancing' but provides no connectors, credentials, or instructions to access bank accounts or external services. That language is potentially ambiguous: the skill itself does not request account access, but an agent using it might be expected to do automation if the user later supplies connectors or credentials.

✓ Install Mechanism

No install specification and no code files are present (instruction-only). This is the lowest-risk install footprint — nothing will be written to disk or downloaded by the skill itself.

✓ Credentials

The skill declares no required environment variables, no credentials, and no config paths. That is proportionate for a methodology/education-style finance skill.

✓ Persistence & Privilege

always is false and the skill can be invoked normally by the agent. While the README references automation, the skill does not request persistent presence or privileged system configuration.

版本历史

v1.0.0

Personal Finance System Release — version 1.0.0 - Initial launch of a comprehensive personal finance management tool. - Features include rapid financial health checks, net worth tracking, income inventory, and cash flow mapping. - Covers emergency fund strategies, debt payoff methods, and credit score optimization. - Provides detailed budgeting templates and multiple expense tracking approaches. - Designed for users of any income level, in any country, with zero dependencies.

元数据

Slug afrexai-personal-finance

版本 1.0.0

许可证 —

累计安装 0

当前安装数 0

历史版本数 1

常见问题