big-purchase-decision SKILL.md skillA
big-purchase-decision from skillmedev/skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add skillmedev/skills/big-purchase-decision@git:20261005.bea4ea5Pins git:20261005.bea4ea5 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- skillmedev/skills
- Path
skills/big-purchase-decision/SKILL.md- Versions recorded
- 3
- Latest version
- git:20261005.bea4ea5, committed Oct 5, 2026
- First version recorded
- Jul 5, 2026
- Size
- 7,672 bytes
- Repository stars
- 19
- License
- MIT
Evaluates a major purchase with total cost of ownership, opportunity cost, affordability red lines, and a cooling-off rule, producing a scored buy/wait/walk verdict. Use when someone asks "should I buy this car", "can I afford this", "is this purchase a good idea", or is about to finance anything with a monthly payment. Do NOT use for fitting an approved purchase into the monthly plan - use budget-builder instead; for whether the purchase should outrank debt payoff or savings - use…
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
# Big Purchase Decision Big purchases feel like one-time decisions but are almost always multi-year financial commitments. The costly mistake this skill prevents is deciding on sticker price and monthly payment - the two numbers sellers control - instead of total cost, opportunity cost, and affordability. Analyze before signing, because afterward the analysis is just regret. ## Operating procedure ### Step 1: Confirm the purchase clears the threshold Apply the full framework to any single purchase above **1% of annual take-home income** (for most households, $500-$1,500). Two lighter rules cover everything below it: - Below the 1% threshold but still discretionary and unplanned: apply the **24-hour rule** - sleep on it once. Most impulse purchases do not survive one night. - A useful ceiling for guilt-free discretionary buys: anything under **1% of net worth** rarely warrants analysis for households with positive net worth; above that, it does. …
Read the whole file at its exact version.
How to install
mdr add skillmedev/skills/big-purchase-decision@sha256:341032be0bbba1f9The line at the top of this page pins the label git:20261005.bea4ea5, 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_p7tnvlknv4udqhow)
2 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 Oct 5, 2026, about one every 46 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261005.bea4ea5 latest | 2026-10-05 | bea4ea5 | 7,672 B | A | view · diff |
| git:20260705.a28c4ce | 2026-07-05 | a28c4ce | 7,629 B | A | view · diff |
| git:20260705.acb5571 | 2026-07-05 | acb5571 | 7,681 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 (7672 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
skillmedev/skills · 19 stars · license MIT · pushed 2026-10-13 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_p7tnvlknv4udqhow GET https://markdownregistry.com/api/v1/resolve?ref=skillmedev/skills/big-purchase-decision GET https://markdownregistry.com/api/v1/blob/341032be0bbba1f93b497014756a4e95ba6e93f3807630e1d6ee2c15ddf83054
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.