student-money-four-buckets SKILL.md skillA
student-money-four-buckets from fairy123456789/human-edge-agent-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add fairy123456789/human-edge-agent-skills/student-money-four-buckets@git:20260908.449ec5cPins git:20260908.449ec5c in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- fairy123456789/human-edge-agent-skills
- Path
skills/student-money-four-buckets/SKILL.md- Versions recorded
- 2
- Latest version
- git:20260908.449ec5c, committed Sep 8, 2026
- First version recorded
- Sep 5, 2026
- Size
- 2,872 bytes
- Repository stars
- 108
- License
- MIT
Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment. Use for budgeting, overspending diagnosis, monthly allowance planning, saving goals, or deciding how much can be safely spent on entertainment without pretending student life should contain zero fun. Do not use it for personalized investment selection.
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
# Student Money Four Buckets Budgeting should make student life more stable, not joyless. ## Important note The public Skill uses **adaptive bands**, not a claimed universal ratio. The author's earlier exact personal percentages were not reliably recoverable, so this version does not fabricate them. ## Four layers Use the default public starting point only when the user has no better historical data: 1. **Essentials — 50%**: meals, basic transport, phone and data, basic study needs, ordinary daily necessities. 2. **Uncertainty buffer — 15%**: irregular but plausible costs such as medical copays, repairs, travel changes, replacement items, social obligations, or temporary price spikes. 3. **Reserve and future growth — 25%**: emergency reserve, future tuition, exam, or travel plans, skill development, and long-term saving. Avoid leverage and borrowed-money investing. 4. **Non-essential enjoyment — 10%**: entertainment, small treats, hobbies, optional social spending, and low-stakes experiences. Treat these as a starting model. Read `references/adaptive-ratios.md` before finalizing a plan. ## Workflow …
Read the whole file at its exact version.
How to install
mdr add fairy123456789/human-edge-agent-skills/student-money-four-buckets@sha256:ab308208643528b0The line at the top of this page pins the label git:20260908.449ec5c, 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_xzyb3akjgaidhbjz)
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Versions
The registry has recorded 2 versions of this file, between Sep 5, 2026 and Sep 8, 2026, about one every 3 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20260908.449ec5c latest | 2026-09-08 | 449ec5c | 2,872 B | A | view · diff |
| git:20260905.a694da1 | 2026-09-05 | a694da1 | 2,645 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 (2872 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
fairy123456789/human-edge-agent-skills · 108 stars · license MIT · pushed 2026-10-22 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_xzyb3akjgaidhbjz GET https://markdownregistry.com/api/v1/resolve?ref=fairy123456789/human-edge-agent-skills/student-money-four-buckets GET https://markdownregistry.com/api/v1/blob/ab308208643528b03dfa527f530a60fae7762dc6dfe4e6af82972467b7f2ed49
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.