Personal finance skills for AI agents.

The library's personal finance skills include Alternative Investment Guide, Angel Investor Guide and Bond Market Navigator. They cover investing, budgeting, major purchases and tax planning. 76 passed Skill Guard clean. The other 1 switch on only after you have read them and said yes. 2 ready-made teams use skills from this list, such as The Quiet Money Council and Quiet Money - Standing. Skills are written instructions, not app connections: a bot reads the one a job calls for and works the way it lays out. Add any of them to a bot in Settings → Skills, or tell your Chief of Staff the job and let it choose.

• Alternative Investment GuideAlternative investments education covering private equity, venture capital, commodities, precious metals, art, collectibles and farmland.
• Angel Investor GuideComprehensive guide to angel investing covering deal flow sourcing, startup evaluation frameworks, term sheet analysis and valuation methods.
• Bond Market NavigatorBond market expertise covering bond types (Treasury, municipal, corporate, TIPS), yield curve interpretation, duration and convexity concepts.
• Budget BuilderComprehensive budget creation and management skill using proven frameworks including the 50/30/20 rule, zero-based budgeting, and the envelope system.
• Budget Reset GuideQuick-start financial reset guide covering financial snapshot creation, expense auditing, category budgeting and automation setup.
• Credit Score GuideCredit score improvement guidance covering FICO score components, credit utilization optimization, dispute processes and credit monitoring.
• Crypto DeFi NavigatorCryptocurrency and DeFi expertise covering liquidity pool mechanics, yield farming strategies, protocol risk analysis and impermanent loss calculation.
• Crypto NavigatorPractical guide to cryptocurrency fundamentals covering Bitcoin and Ethereum basics, wallet security, exchange selection and DeFi risks.
• Debt Payoff StrategistStrategic debt elimination using avalanche and snowball methods, consolidation options, creditor negotiation and psychological strategies.
• Debt StrategistStrategic debt payoff planning using proven methods including the debt snowball, avalanche method, consolidation analysis and balance transfer evaluation.
• Estate Planning ArchitectEstate planning education covering trusts, wills, beneficiary designations, powers of attorney, healthcare directives and tax strategies for wealth transfer.
• Expense AnalyzerSpending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis and cost-per-use calculations.
• Financial Wellness ScorecardHolistic financial health evaluation covering income stability, savings adequacy, debt management, insurance coverage, and retirement preparedness.
• FIRE PlannerFinancial Independence and Retire Early planning guide covering FIRE number calculation, savings rate optimization, the 4% rule and safe withdrawal rates.
• First Home BuyerComprehensive guidance for first-time homebuyers covering financial readiness assessment, mortgage options (FHA, VA, conventional) and pre-approval process.
• Gift Budget CalculatorPlan gift spending by occasion and recipient - budget allocation templates, tracking spreadsheets, cost-saving strategies, and year-round planning.
• Home Renovation PlannerComprehensive guidance for planning home renovation projects including project scoping, permit requirements research, contractor selection and vetting.
• Home SellerStrategic guidance for selling residential property including market timing analysis and pricing strategy using comparative market analysis (CMA).
• House FlipperExpert guidance for residential property flipping including acquisition strategies (MLS, auctions, wholesalers) and renovation scope assessment.
• Index Fund StrategistPassive index fund investing strategy covering three-fund portfolio construction, asset allocation by age and risk tolerance and rebalancing schedules.
• Insurance NavigatorComprehensive guide to insurance coverage types, policy comparison methodology, claim filing procedures and coverage gap analysis.
• Investment AdvisorInvestment guidance rooted in evidence-based strategies including Bogleheads passive index investing and age-based asset allocation.
• Landlord GuideComprehensive operational guide for landlords covering tenant screening processes, lease creation, rent collection systems and maintenance management.
• Negotiation CoachNegotiation skills coaching covering salary negotiation scripts, purchase negotiation tactics, bill reduction strategies for cable and insurance.
• Neighborhood ResearcherComprehensive methodology for researching and evaluating neighborhoods before purchasing property and covering school district evaluation.
• Options Basics TrainerOptions trading education covering calls, puts, basic strategies like covered calls and protective puts and an overview of the Greeks.
• Portfolio Rebalancing CoachPortfolio rebalancing education covering target allocation setting, drift threshold strategies and calendar vs threshold triggers.
• Property Tax AppealsStep-by-step guidance for property tax appeals including assessment review methodology, comparable property research and the appeal filing process.
• Real Estate Syndication GuidePassive real estate investing education covering syndications, crowdfunding platforms, REITs, due diligence frameworks and deal structure analysis.
• Rental Property InvestorExpert guidance for rental property investment analysis including key metrics (cap rate, cash-on-cash return and the 1% rule).
• Retirement PlannerComprehensive retirement planning using the 25x rule, 4% safe withdrawal rate, Social Security optimization and 401k employer match maximization.
• Savings PlannerSavings goal planning covering emergency fund calculation (3-6 months), sinking funds, high-yield savings strategy, CD laddering and savings automation.
• Side Hustle AdvisorSide income planning covering skills assessment, market opportunity analysis, time investment vs income matrix and popular side hustles by skill type.
• Stock Analysis GuideFundamental stock analysis framework covering financial statement analysis, DCF valuation modeling, key financial ratios and stock screening criteria.
• Tax AssistantTax preparation support covering common deductions, tax bracket explanations, W-2 vs 1099 differences and estimated tax payments.
• Tax-Loss Harvesting GuideTax-loss harvesting education covering wash sale rules, substantially identical security definitions and direct indexing concepts.
• Bank Account ComparisonDefines criteria for evaluating checking and savings accounts (fees, APY, minimums, ATM access, features) and applies them to options you provide.
• Budget PlanningCreates personal or household budgets using zero-based, 50/30/20, or envelope methods.
• Car Buying AnalysisEvaluates buying vs. leasing vs. financing a vehicle by computing total cost of ownership for each option.
• College Cost AnalysisAnalyzes the true cost of higher education including tuition, fees, room, board, books, and opportunity cost.
• Compound Growth ExplainerDemonstrates compound interest and growth concepts with worked calculations using your actual numbers.
• Credit Score ExplainerExplains the five components of a credit score (payment history, utilization, length of history, credit mix, new inquiries) and interprets your score range.
• Credit Score Improvement PlanBuilds a 3-12 month action plan for improving a credit score based on your current credit profile.
• Debt Avalanche PlannerApplies the debt avalanche method (highest interest rate first) to create an interest-optimized debt payoff plan.
• Debt Consolidation AnalysisEvaluates whether consolidating multiple debts into a single loan is mathematically advantageous.
• Debt Snowball PlannerApplies the debt snowball method (smallest balance first) to create a sequenced debt payoff plan.
• Emergency Fund PlannerCalculates the target emergency fund size based on your monthly essential expenses and builds a savings timeline.
• Expense Tracking SetupDesigns a personal expense tracking system with categories, tracking method, review cadence, and weekly reconciliation routine.
• Fifty Thirty Twenty BudgetApplies the 50/30/20 budgeting rule to your income, categorizing every expense as a need (50%), want (30%), or savings/debt repayment (20%).
• Financial Goal SettingConverts vague financial aspirations into SMART goals with specific dollar targets, timelines, and monthly savings requirements.
• Financial Literacy ExplainerExplains a financial concept (compound interest, inflation, tax-advantaged accounts, diversification, amortization, or other core concepts) in plain language with a concrete worked example using your actual numbers.
• First BudgetCreates a first-time budget for students, new graduates, or anyone who has never budgeted before.
• Home Buying ChecklistProduces a complete home buying process checklist covering financial preparation, mortgage pre-approval steps and house hunting strategy.
• Insurance ComparisonProvides an analysis framework for comparing insurance policies across any insurance type.
• Insurance Needs AssessmentEvaluates insurance coverage gaps across health, life, disability, auto, and renters/homeowners categories based on your life situation and dependents.
• Investment Account TypesExplains the structural differences between common investment account types including employer-sponsored plans and individual retirement accounts.
• Investment Fee AnalyzerCalculates the long-term cost of investment fees including expense ratios, advisor fees, and transaction costs.
• Loan ComparisonCompares 2-4 loan options by computing total cost of borrowing (principal plus total interest), monthly payment and effective APR.
• Major Purchase Decision FrameworkApplies a structured buy/wait/skip decision framework to any large purchase.
• Mortgage Comparison AnalysisCompares mortgage options by computing total cost of borrowing, monthly payment and break-even point for paying points.
• Net Worth TrackerBuilds a complete net worth snapshot by listing all assets (cash, investments, property, vehicles, valuables) minus all liabilities (loans, credit cards, mortgage, other debts).
• Portfolio Allocation FrameworkExplains asset allocation concepts including equities, bonds, cash, and real assets.
• Quarterly Tax EstimatorHelps self-employed and freelance earners estimate quarterly tax payments by walking through income projection, deduction netting, and payment calculation.
• Rebalancing FrameworkExplains portfolio rebalancing concepts including drift calculation, threshold triggers, and time-based approaches.
• Retirement Savings CalculatorCalculates monthly savings needed to reach a retirement target using compound growth math.
• Risk Tolerance AssessmentGuides you through a structured questionnaire to identify their investment risk tolerance based on time horizon, income stability and financial cushion.
• Savings Goals TrackerMaps multiple savings goals (vacation, down payment, education, large purchase) against available monthly surplus and prioritizes competing goals.
• Self-Employment Tax GuideExplains self-employment tax concepts for freelancers and sole proprietors including SE tax calculation and the deductible portion.
• Spending AnalysisAnalyzes your spending history against their stated values and financial goals.
• Subscription AuditInventories all recurring subscriptions, memberships, and automatic charges.
• Tax Advantaged OptimizerExplains the decision framework for choosing and prioritizing tax-advantaged accounts including employer-sponsored plans and individual retirement accounts.
• Tax Deduction TrackerBuilds a structured tax deduction tracking system covering common deduction categories with documentation requirements and jurisdiction-aware placeholders.
• Tax Filing Preparation GuideWalks through the document gathering and organization process for tax filing.
• Tax Optimization StrategistStrategic tax planning including tax-advantaged accounts, deduction strategies, income timing and estimated taxes.
• Variable Income BudgetBuilds budgets for freelancers, gig workers, and commission earners with irregular monthly income.
• Year End Tax ChecklistProduces a personalized year-end tax action checklist covering income timing, deduction bundling, contribution deadlines and loss harvesting concepts.
• Zero-Based BudgetBuilds a zero-based budget where every dollar of income is assigned to a specific spending and saving.