financial-planner SKILL.md skillA
financial-planner 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/financial-planner@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/financial-planner/SKILL.md- Versions recorded
- 3
- Latest version
- git:20261005.bea4ea5, committed Oct 5, 2026
- First version recorded
- Jul 5, 2026
- Size
- 7,309 bytes
- Repository stars
- 19
- License
- MIT
Builds a complete personal financial plan - a prioritized order of operations across budgeting, emergency savings, debt payoff, and goals - from the user's actual numbers, then routes each piece to the right specialist skill. Use when someone asks "help me get my finances in order", "where should my money go first", "should I pay off debt or save", "am I doing okay financially", or "build me a financial plan". Do NOT use for constructing the monthly budget itself - use budget-builder instead…
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
# Personal Financial Planner This is the umbrella skill: it turns a messy money situation into one prioritized plan and dispatches the detailed work to specialist skills. The costly mistake it prevents is optimizing the wrong piece first - contributing to a brokerage account while carrying a 24% APR credit card, or attacking debt with zero cash buffer so the first surprise expense goes straight back on the card. Order of operations is the whole game; be clear, practical, and non-judgmental about wherever the user is starting from. ## Operating procedure ### Step 1: Gather inputs Collect these before recommending anything. If a number is a guess, label it a guess and proceed; refine later. 1. Monthly take-home income (net, all sources). For variable income, use the average of the last three months. 2. Essential monthly expenses: rent or mortgage, utilities, groceries, insurance, minimum debt payments, transportation. 3. Every debt: creditor, balance, APR, minimum payment. 4. Current cash savings and where it sits. 5. Employer retirement plan and match terms, if any. 6. Goals with rough timelines: a purchase, a payoff date, retirement. …
Read the whole file at its exact version.
How to install
mdr add skillmedev/skills/financial-planner@sha256:f484944cb75700a0The 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_pqx7exdx6vbfwz7l)
1 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 | 7,309 B | A | view · diff |
| git:20260705.a28c4ce | 2026-07-05 | a28c4ce | 7,270 B | A | view · diff |
| git:20260705.acb5571 | 2026-07-05 | acb5571 | 7,326 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 (7309 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_pqx7exdx6vbfwz7l GET https://markdownregistry.com/api/v1/resolve?ref=skillmedev/skills/financial-planner GET https://markdownregistry.com/api/v1/blob/f484944cb75700a067b038c009623b0b604a9d271a649d5fbd6e52652ac6717b
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.