开发与工程 · SKILL.md

financial-checkup

financial-checkup

【开发与工程】Run an annual (or anytime) financial health check across the key areas — so you catch problems and opportunities instead of drifting. Use when asked do a financial checkup, am I doing okay financially, review my finances, or financial health check. Produces a structured review across the core areas (safety net, debt, spending, saving/investing, prote…

独立 GitHub 快照 · 自动分类 · 以原作者文档为准

Mmohitagw15856 / pm-claude-skillsMIT

技能说明

GitHub

name: financial-checkup description: "Run an annual (or anytime) financial health check across the key areas — so you catch problems and opportunities instead of drifting. Use when asked do a financial checkup, am I doing okay financially, review my finances, or financial health check. Produces a structured review across the core areas (safety net, debt, spending, saving/investing, protection, and goals), a clear read on what's healthy vs needs attention, the highest-priority fixes, and a couple of easy wins — a financial physical that turns 'I think I'm fine?' into an honest, actionable picture. Educational, not financial advice."

Financial Checkup

Most people never actually look at their whole financial picture — they drift, hope it's fine, and miss both problems and easy wins. A periodic checkup fixes that: a structured pass across the key areas of financial health, flagging what's solid, what needs attention, and what to fix first. It's a financial physical — quick, honest, and actionable. Educational, not financial advice.

What This Skill Produces

A full-picture review — across the core areas: emergency fund, debt, spending/cash flow, saving & investing, protection (insurance/estate basics), and progress toward goals
A health read per area — 🟢 healthy / 🟡 needs attention / 🔴 problem, honestly
The priority fixes — the few highest-impact things to address, in order
A couple of easy wins — quick, low-effort improvements (a fee to cut, a rate to switch, an auto-transfer to set up)
A recheck cadence — when to do it again (annually, or after a big life change)

Required Inputs

Ask for these if not provided:

The basics — income, rough spending, savings, debts (and rates), and what's automated
Protection — do you have appropriate insurance and any estate basics (will, beneficiaries)
Your goals — what you're saving toward and whether you're on track
Life changes — anything recent (new job, kid, move) that shifts the picture

Framework: Check Each Area, Prioritize The Fixes

Cover the core areas. Emergency fund, debt, cash flow, saving/investing, protection, and goals — a gap in any one is a risk, so check them all, not just the fun ones.
Rate each honestly. Healthy / needs attention / problem — based on sensible benchmarks (e.g. does the emergency fund cover a few months; is high-interest debt being tackled).
Find the problems and the opportunities. Both the risks (no safety net, uninsured, high-interest debt) and the easy money left on the table (fees, unswept cash, unclaimed match).
Prioritize the fixes. The few highest-impact actions first — usually safety net, high-interest debt, and any protection gap.
Bank easy wins. A couple of quick, satisfying improvements to build momentum.
Set the recheck. Annually or after a life change, so it doesn't drift again.

Output Format