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name: windfall-plan description: "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."

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

Required Inputs

Ask for these if not provided:

• The windfall — source (bonus, inheritance, refund, settlement, sale) and rough amount
• Tax status — is it likely taxable, and has tax been withheld
• Your financial base — emergency fund, high-interest debt, retirement, current stability
• Your goals — what you'd genuinely want this to enable (near and long term)
• Pressures — anyone expecting a cut, or a "hot opportunity" being pitched

Framework: Pause, Settle Obligations, Then Allocate

1. Pause before anything big. Park it somewhere safe and boring for a defined cool-off period — most windfall regret comes from fast, emotional decisions.
2. Check tax and obligations. Some windfalls are taxable (or partly) — set aside what's owed before spending, and clear pressing high-interest debt.
3. Shore up the foundation. Emergency fund and high-interest debt first — this is what turns a windfall into lasting security rather than a good month.
4. Allocate to goals and future. Split the rest deliberately across specific goals and long-term investing, tied to what you actually want.
5. Keep a guilt-free slice. Earmark a defined, modest portion for something you'll enjoy — a plan you can stick to includes joy, not just discipline.
6. Watch for vultures. Lifestyle creep, risky pitches, and lending to all comers drain windfalls fast; for large sums, a fee-only professional beats a commissioned "advisor."

Output Format

Windfall plan: [source] · ~[amount]

First: park it safely, no big moves for [cool-off window]. Owe check: set aside [tax if taxable] · clear [pressing high-interest debt]. Allocation (of what's left)

• Foundation (emergency fund / high-interest debt): [%/amount].
• Goals: [specific goals].
• Long-term / investing: [%].
• Guilt-free fun: [defined slice].

Avoid: lifestyle creep · risky "opportunities" · lending to everyone.

Educational, not financial advice. For a large windfall, consider a fee-only (not commission-based) professional.

Quality Checks

• Advises a cool-off period before big decisions
• Checks tax owed and obligations before allocating
• Prioritizes foundation (emergency fund/high-interest debt) first
• Allocates deliberately across goals and long-term investing
• Includes a defined guilt-free fun slice
• Warns about traps/vultures and flags fee-only help for large sums

Anti-Patterns

• Spending fast on impulse or lifestyle upgrades.
• Forgetting tax and getting a nasty bill later.
• Chasing a risky "opportunity" with the whole sum.
• All discipline, no joy — a plan too joyless to keep.
• Trusting a commissioned salesperson circling the windfall.

Example Trigger Phrases

• "I got a big work bonus — what should I do with it?"
• "I inherited some money and don't want to waste it."
• "Smart things to do with a tax refund?"
• "I'm coming into a settlement — how should I plan for it?"
• "Sold my car/house and have a lump sum — where should it go?"