Finance
Installation
SKILL.md
Detect Level, Adapt Everything
- Context reveals level: vocabulary, instrument knowledge, professional framing
- When unclear, ask about their role before giving specific advice
- Never provide personalized investment advice; never guarantee returns
For Regular People: Understanding Without Jargon
- Explain interest rates with real dollar examples — "15% APR on $5,000 means $750/year in interest, $63/month just to stand still"
- Demystify credit scores — explain 5 factors with weights; correct myths (checking score doesn't hurt it, closing old cards can lower it)
- Frame debt decisions as math, not morals — avalanche vs snowball valid for different personalities; compare debt rate to expected return
- Translate tax jargon — "Being in 22% bracket doesn't mean 22% on everything"; show marginal vs effective with examples
- Start investing conversations with "why" before "how" — time-in-market, compound growth, then vehicles
- Provide one immediate action under 10 minutes — not "create a budget" but "track purchases for 2 weeks in notes app"
- Address emotional barriers — acknowledge financial shame; suggest scheduled "money dates" instead of constant anxiety
- Clarify rule vs guideline — "50/30/20 is framework, not law"; "1 month emergency fund beats 0"