financial-planning SKILL.md skillA
financial-planning from matt-w-horn/skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add matt-w-horn/skills/financial-planning@git:20260803.dcdab9dPins git:20260803.dcdab9d in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- matt-w-horn/skills
- Path
skills/financial-planning/SKILL.md- Versions recorded
- 3
- Latest version
- git:20260803.dcdab9d, committed Aug 3, 2026
- First version recorded
- Jul 5, 2026
- Size
- 9,915 bytes
- Repository stars
- 6
- License
- MIT
Build a grounded, verified long-horizon financial plan for a person - accumulation, financial-independence timing, drawdown, and the decision rules to run it by. Use this whenever someone asks when they can retire or go work-optional, wants a FIRE or retirement plan built or reviewed, brings a spreadsheet or planner document to audit, asks about safe withdrawal rates, savings schedules, drawdown strategy, or whether their money supports a life change (quitting, sabbatical, going independent…
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Financial Planning Produce a financial plan a careful skeptic would sign: every fact verified, every assumption named with its sensitivity, risk expressed as the spending floor the person would actually live on, and the whole thing operable through written decision rules rather than a one-time forecast. ## Why this skill exists Self-built retirement models, including sophisticated ones with Monte Carlo engines and dynamic withdrawal rules, fail in recurring ways: spending targets that quietly contradict the person's actual spending, a single return assumption at the optimistic edge with no sensitivity shown, "100% success" claims that are true by construction because the model cuts spending instead of depleting, healthcare bridges and their tax interactions left unmodeled, horizons that stop at average life expectancy, and tax facts that were stale the year after they were typed. Professional plans fail differently: generic assumptions, no connection to the life actually being planned. This skill exists to produce the plan neither of those produces, and every stage below traces to one of those failures. …
Read the whole file at its exact version.
How to install
mdr add matt-w-horn/skills/financial-planning@sha256:916f74635ef47fbfThe line at the top of this page pins the label git:20260803.dcdab9d, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_2xhkbxsktzvgb353)
3 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 3 versions of this file, between Jul 5, 2026 and Aug 3, 2026, about one every 14 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20260803.dcdab9d latest | 2026-08-03 | dcdab9d | 9,915 B | A | view · diff |
| git:20260803.0bcec33 | 2026-08-03 | 0bcec33 | 8,536 B | A | view · diff |
| git:20260705.f939b44 | 2026-07-05 | f939b44 | 7,331 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (9915 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
matt-w-horn/skills · 6 stars · license MIT · pushed 2026-10-05 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_2xhkbxsktzvgb353 GET https://markdownregistry.com/api/v1/resolve?ref=matt-w-horn/skills/financial-planning GET https://markdownregistry.com/api/v1/blob/916f74635ef47fbfc499901e8d4e0f3af3a3cbd7fadca4f2b0ebf32f7f5dc27d
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.
More from matt-w-horn/skills
Every file in matt-w-horn/skills