Requirements
- Target platform
- OpenClaw
- Install method
- Manual import
- Extraction
- Extract archive
- Prerequisites
- OpenClaw
- Primary doc
- SKILL.md
Tencent SkillHub · Data Analysis
Personal Finance Mastery
Complete personal finance system — budgeting, debt payoff, investing, tax optimization, net worth tracking, and financial independence planning. Use when man...
skill openclawclawhub Free
Complete personal finance system — budgeting, debt payoff, investing, tax optimization, net worth tracking, and financial independence planning. Use when man...
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Install for OpenClaw
Quick setup
- Download the package from Yavira.
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Package facts
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- Yavira redirect
- Package format
- ZIP package
- Source platform
- Tencent SkillHub
- What's included
- README.md, SKILL.md
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New install
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete.
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I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run.
Trust & source
Release facts
- Source
- Tencent SkillHub
- Verification
- Indexed source record
- Version
- 1.0.0
Provenance
- Publisher
- 1kalin
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Documentation
Personal Finance Mastery
Complete personal finance system covering budgeting, debt elimination, investing, tax optimization, insurance, estate planning, and financial independence. Works for any income level, any country.
Quick Financial Health Check
Run /finance-check to score current financial health: SignalHealthyWarningCriticalEmergency fund3-6 months expenses1-3 months< 1 monthSavings rate> 20%10-20%< 10%Debt-to-income< 36%36-50%> 50%Housing cost< 28% of gross28-35%> 35%Net worth trendGrowing quarterlyFlatDecliningInsurance coverageAll critical coveredGaps existMajor gapsInvestment allocationAge-appropriateSlightly offWay offTax optimizationUsing all vehiclesSome unusedNone used Score: /16. Below 10 = immediate action needed.
Net Worth Statement
net_worth: date: "YYYY-MM-DD" assets: liquid: checking: 0 savings: 0 money_market: 0 investments: retirement_401k: 0 retirement_ira: 0 brokerage: 0 hsa: 0 crypto: 0 property: home_value: 0 vehicles: 0 other: 0 liabilities: mortgage: 0 student_loans: 0 auto_loans: 0 credit_cards: 0 personal_loans: 0 other_debt: 0 net_worth: 0 # assets - liabilities monthly_income_gross: 0 monthly_income_net: 0 monthly_expenses: 0 savings_rate: 0 # (income_net - expenses) / income_net debt_to_income: 0 # total_debt_payments / gross_income
Income Inventory
Document ALL income sources: SourceTypeMonthly AmountStabilityGrowth PotentialPrimary jobW-2/salaryHighModerateSide business1099/self-empVariableHighInvestmentsDividends/interestModerateModerateRental incomePassiveModerateModerateOther
Monthly Cash Flow Map
INCOME (net take-home) ├── Fixed Expenses (needs) — target: ≤50% │ ├── Housing (rent/mortgage + insurance + tax) │ ├── Utilities (electric, water, gas, internet, phone) │ ├── Transportation (car payment, insurance, fuel, transit) │ ├── Insurance (health, life, disability) │ ├── Minimum debt payments │ └── Groceries (baseline) ├── Financial Goals (savings/investing) — target: ≥20% │ ├── Emergency fund │ ├── Retirement contributions │ ├── Investment contributions │ ├── Debt extra payments │ └── Specific savings goals └── Lifestyle (wants) — target: ≤30% ├── Dining out ├── Entertainment/subscriptions ├── Shopping/clothing ├── Travel ├── Hobbies └── Personal care This is the 50/30/20 framework — adjust ratios to your situation but track against these benchmarks.
Priority #1 — Before Investing
StageTargetTimelineWhere to KeepStarter$1,000 (or 1 month)1-3 monthsHigh-yield savingsBasic3 months expenses3-6 monthsHigh-yield savingsFull6 months expenses6-12 monthsHYSA + money marketEnhanced12 months expensesOptionalHYSA + I-bonds + money market
When to Use Emergency Fund
YES — True emergencies: Job loss Medical emergency Essential home/car repair Urgent family situation NO — Not emergencies: Vacations Sales/deals Predictable expenses (insurance premiums, taxes) Lifestyle upgrades
Replenishment Rules
After any withdrawal, replenish becomes priority #1 Redirect all non-essential spending until restored Set automatic transfer to rebuild over 3-6 months
Debt Inventory
debt_inventory: - name: "Credit Card A" balance: 0 interest_rate: 0 minimum_payment: 0 type: "revolving" tax_deductible: false - name: "Student Loan" balance: 0 interest_rate: 0 minimum_payment: 0 type: "installment" tax_deductible: true
Strategy Selection
MethodHow It WorksBest ForPsychologyAvalanchePay highest interest firstMathematically optimal, saves most moneyDisciplined peopleSnowballPay smallest balance firstFastest "wins", builds momentumNeed motivationHybridPay any debt < $500 first, then avalancheQuick wins + math optimizationMost people
Debt Priority Order
Payday loans / title loans (300%+ APR) — eliminate immediately, even if it means selling things Credit cards (15-30% APR) — aggressive payoff Personal loans (8-15% APR) — steady payoff Auto loans (4-8% APR) — pay minimum unless rate > 6% Student loans (3-7% APR) — pay minimum, invest the difference if rate < 5% Mortgage (3-7% APR) — usually don't accelerate, invest instead
The Crossover Rule
If debt interest rate > expected investment return (historically ~7-10% stocks): → Pay off debt first If debt interest rate < expected investment return: → Pay minimum on debt, invest the difference Grey zone (4-7%): → Split extra money 50/50 between debt payoff and investing
Debt Payoff Accelerators
Balance transfer — 0% APR cards (watch transfer fees, 3-5%) Refinance — lower rate on student loans, mortgage, auto Consolidation — single payment, potentially lower rate Income boost — side income dedicated 100% to debt Expense audit — cancel subscriptions, negotiate bills Sell assets — unused items → debt payoff
Credit Score Management
FactorWeightHow to OptimizePayment history35%Never miss a payment — automate minimumsCredit utilization30%Keep below 30%, ideally below 10%Length of history15%Don't close old cardsCredit mix10%Installment + revolving is goodNew credit10%Limit hard inquiries
Budget Template
monthly_budget: month: "YYYY-MM" income: salary_net: 0 side_income: 0 other: 0 total: 0 fixed_expenses: # ≤50% of income housing: 0 utilities: 0 transportation: 0 insurance: 0 debt_minimums: 0 groceries: 0 childcare: 0 subscriptions_essential: 0 subtotal: 0 percent_of_income: 0 financial_goals: # ≥20% of income emergency_fund: 0 retirement: 0 investments: 0 debt_extra: 0 savings_goals: 0 subtotal: 0 percent_of_income: 0 lifestyle: # ≤30% of income dining_out: 0 entertainment: 0 shopping: 0 travel_fund: 0 hobbies: 0 personal_care: 0 gifts: 0 subscriptions_fun: 0 subtotal: 0 percent_of_income: 0 variance: 0 # income - all expenses (should be ≥ 0)
Expense Tracking Methods
MethodEffortBest ForEnvelope systemHighCash-heavy, needs disciplineApp tracking (YNAB, Mint)LowTech-savvy, automatedSpreadsheetMediumControl-oriented, customAgent-trackedLowLet AI categorize + alertReverse budgetingLowestAuto-transfer savings first, spend rest
Reverse Budgeting (Recommended)
The simplest effective system: Day 1 of month: Auto-transfer savings/investment target to separate accounts Day 1 of month: Auto-pay all fixed bills Remaining: Spend freely — guilt-free because goals are already funded Monthly: Review if remaining amount felt tight or generous → adjust
Subscription Audit
Run quarterly: List every recurring charge Score each 1-5 (value received) Cancel anything scoring ≤ 2 Downgrade anything scoring 3 Keep 4-5s Common waste: streaming services (how many do you actually watch?), gym memberships (do you go?), software trials, news subscriptions
Annual Expenses Calendar
Don't let irregular expenses surprise you: MonthExpenseAmountFunded?JanInsurance renewalMarTax preparationAprTax payment (if owed)JunCar registrationAugBack to schoolNovHoliday giftsDecAnnual subscriptions Sinking fund: Divide annual expenses by 12, save monthly. No surprises.
Investment Priority Order
Follow this exact sequence: Employer 401(k) match — FREE money, always max this first (typically 3-6% match) High-interest debt payoff — anything > 7% APR Emergency fund — 3-6 months HSA (if eligible) — triple tax advantage ($4,150 individual / $8,300 family, 2024) Roth IRA — $7,000/year ($8,000 if 50+), tax-free growth 401(k) beyond match — up to $23,000/year ($30,500 if 50+) Taxable brokerage — no limits, more flexibility 529 plan (if kids) — tax-free education growth Real estate / alternatives — only after 1-8 are solid
Asset Allocation by Age
Simple rule: Age in bonds, rest in stocks (adjust for risk tolerance) Age RangeStocksBondsAlternativesRisk Level20-3590%10%0%Aggressive35-4580%15%5%Growth45-5570%25%5%Moderate55-6560%35%5%Conservative65+40-50%40-50%0-10%Preservation
Simple Portfolio Models
3-Fund Portfolio (Bogleheads recommended): US Total Stock Market (VTI/VTSAX) — 60% International Stock Market (VXUS/VTIAX) — 30% US Total Bond Market (BND/VBTLX) — 10% 2-Fund Portfolio (even simpler): Target Date Fund (e.g., Vanguard 2055) — 100% Adjust nothing until retirement Income Portfolio (retirees): Dividend stocks (VYM/SCHD) — 30% Bonds (BND/AGG) — 40% REITs (VNQ) — 15% Cash/money market — 15%
Investment Rules
Never invest money you need within 5 years — use HYSA/CDs for short-term Dollar-cost average — invest consistently regardless of market conditions Don't time the market — time IN the market beats timing THE market Keep fees below 0.2% — index funds, not active management Rebalance annually — sell winners, buy losers (back to target allocation) Ignore daily market news — check portfolio quarterly at most Tax-loss harvest in taxable accounts — offset gains with losses Never panic sell — downturns are buying opportunities
Compound Growth Reference
$500/month invested at 7% average return: YearsContributedPortfolio ValueGrowth5$30,000$35,800$5,80010$60,000$86,500$26,50020$120,000$260,500$140,50030$180,000$607,000$427,00040$240,000$1,320,000$1,080,000 The message: Start early. Time is the biggest factor.
Tax-Advantaged Account Summary
AccountContribution Limit (2024)Tax TreatmentBest ForTraditional 401(k)$23,000 ($30,500 50+)Pre-tax in, taxed outHigh earners nowRoth 401(k)$23,000 ($30,500 50+)After-tax in, tax-free outExpect higher tax laterTraditional IRA$7,000 ($8,000 50+)Pre-tax in, taxed outNo employer planRoth IRA$7,000 ($8,000 50+)After-tax in, tax-free outUnder income limitsHSA$4,150/$8,300Pre-tax in, tax-free outTriple tax advantage529 PlanVaries by stateAfter-tax in, tax-free for educationKids' collegeMega Backdoor RothUp to $69,000 totalAfter-tax → Roth conversionHigh earners
Tax Reduction Strategies
For employees: Max 401(k) contributions — reduces taxable income Use FSA/HSA for medical expenses Itemize deductions if > standard deduction ($14,600 single / $29,200 married, 2024) Charitable donations — donor-advised fund for bunching State/local tax (SALT) deduction — up to $10,000 For self-employed: SEP IRA or Solo 401(k) — up to $69,000/year Qualified Business Income deduction — 20% of QBI Home office deduction — dedicated space required Business expenses — equipment, software, travel, meals (50%) Health insurance premium deduction Retirement plan contributions Vehicle expenses — mileage or actual costs For investors: Hold investments > 1 year — long-term capital gains rate (0/15/20% vs ordinary income) Tax-loss harvesting — sell losers to offset gains Asset location — bonds in tax-advantaged, stocks in taxable Qualified dividends — taxed at capital gains rate Roth conversion ladder — convert in low-income years Donate appreciated stock — avoid capital gains + get deduction Opportunity Zones — defer and reduce capital gains
Tax Planning Calendar
MonthActionJanuaryGather W-2s, 1099s, receiptsFebruaryEstimate tax liabilityMarchFile or extend (April 15 deadline)AprilQ1 estimated tax payment (if self-employed)JuneQ2 estimated tax paymentSeptemberQ3 estimated tax paymentOctoberExtended filing deadlineNovemberTax-loss harvesting reviewDecemberMax retirement contributions, charitable donations, Roth conversionsJanuaryQ4 estimated tax payment
Essential Coverage Checklist
InsuranceNeed LevelNotesHealth insuranceCriticalACA marketplace if no employer planAuto insuranceCritical (if driving)Liability + collision/comprehensiveRenters/homeownersCriticalCovers belongings + liabilityLife insuranceCritical (if dependents)Term life = 10-12x annual incomeDisability insuranceImportant60-70% income replacementUmbrella liabilityImportant (high net worth)$1M+ coverage, cheapLong-term careConsider (age 50+)Protect retirement assets
Life Insurance Decision Tree
Do you have dependents who rely on your income? ├── YES → Buy term life insurance │ ├── Coverage: 10-12x annual income │ ├── Term: until youngest child is 25 or mortgage is paid │ └── Type: TERM (not whole life — invest the difference) └── NO → Skip for now, reassess when situation changes Rule: Never buy whole life insurance as an investment. Buy term, invest the difference.
Insurance Optimization
Bundle policies — same insurer for home + auto = 10-25% discount Raise deductibles — $500 → $1,000 deductible saves 15-30% on premiums Shop annually — rates vary wildly between insurers Review coverage yearly — life changes mean coverage changes Don't over-insure — match coverage to actual risk and assets
Home Buying Readiness
FactorReadyNot ReadyEmergency fund3-6 months AFTER down paymentDrained by purchaseDown payment20% (avoids PMI)< 10%Debt-to-income< 36% with mortgage> 43%Credit score740+ (best rates)< 680Job stability2+ years steady incomeRecent job changePlan to stay5+ years< 3 years (rent instead)Monthly cost< 28% of gross income> 35%
Rent vs Buy Decision
Monthly cost comparison: Renting: rent + renters insurance Buying: mortgage + property tax + insurance + HOA + maintenance (1-3% of value/year) + opportunity cost of down payment Buy if: staying 5+ years AND total ownership cost < rent AND you want the stability. Rent if: < 5 years OR high mobility OR local market is overpriced (price-to-rent > 20x).
Car Buying Rules
Total vehicle cost < 35% of annual income (purchase price) Buy used (2-4 years old) — avoid 30-40% depreciation Pay cash if possible — if financing, keep loan < 48 months Total transportation < 15% of take-home (payment + insurance + fuel + maintenance) Never lease unless business write-off justifies it
FI Number Calculation
FI Number = Annual Expenses × 25 Based on the 4% rule (Trinity Study — 4% withdrawal rate has historically survived 30-year retirements). Annual ExpensesFI NumberMonthly Savings Needed (25 years at 7%)$30,000$750,000$940/month$50,000$1,250,000$1,567/month$75,000$1,875,000$2,350/month$100,000$2,500,000$3,134/month
FI Stages
StageDescriptionWhat ChangesCoast FIEnough invested that compound growth alone will fund retirement by 65Can take lower-paying fulfilling workBarista FIInvestments cover most expenses, need small incomePart-time work for insurance/extrasLean FI25x minimal expenses savedCan stop working, frugal lifestyleFI25x comfortable expenses savedFull financial independenceFat FI25x generous expenses savedIndependence with luxury
FI Tracking Dashboard
fi_tracker: date: "YYYY-MM-DD" annual_expenses: 0 fi_number: 0 # expenses × 25 current_invested: 0 fi_percentage: 0 # invested / fi_number × 100 monthly_savings: 0 savings_rate: 0 years_to_fi: 0 # calculated from savings rate coast_fi_number: 0 # what you need now to coast to 65 coast_fi_reached: false
Savings Rate → Years to FI
Savings RateYears to FI10%51 years20%37 years30%28 years40%22 years50%17 years60%12.5 years70%8.5 years80%5.5 years The lever: Cutting expenses is 2x as powerful as earning more (reduces FI number AND increases savings).
Safe Withdrawal Strategies
StrategyRateBest ForFixed 4%4% of initial portfolio, adjusted for inflationSimple, traditionalVariable %3-5% based on market conditionsAdapts to marketGuardrails4% base, increase/decrease if portfolio deviates 20%BalancedBucket strategy2 years cash + 5 years bonds + rest stocksSequence risk protection
Documents Everyone Needs
DocumentWhat It DoesPriorityWillDistributes assets, names guardian for childrenCriticalPower of AttorneySomeone manages finances if incapacitatedCriticalHealthcare DirectiveMedical wishes if you can't communicateCriticalBeneficiary designationsOverride will for 401k, IRA, life insuranceCriticalTrust (optional)Avoids probate, privacy, controlImportant if assets > $500K
Digital Estate Checklist
Password manager shared with trusted person List of all financial accounts and institutions Crypto wallet recovery phrases stored securely Social media legacy contacts set Email account recovery instructions Insurance policies documented and locatable Safe deposit box key location documented
Weekly (5 minutes)
Check bank/credit card for unauthorized charges Log any large or unusual expenses Verify automated transfers went through
Monthly (30 minutes)
monthly_review: month: "YYYY-MM" income_actual: 0 expenses_actual: 0 savings_actual: 0 savings_rate_actual: 0 budget_variances: over_budget: [] under_budget: [] net_worth_change: 0 debt_paid_this_month: 0 investments_contributed: 0 action_items: []
Quarterly (1 hour)
Update net worth statement Review investment allocation (rebalance if > 5% drift) Subscription audit Insurance coverage check Update financial goals progress
Annually (half day)
Full financial plan review Tax planning for next year Insurance shopping/comparison Beneficiary designation review Will/estate document review Set next year's financial goals Negotiate bills (insurance, phone, internet, subscriptions)
Financial Scoring Rubric (0-100)
DimensionWeight0-255075100Emergency fund15%< 1 month1-3 months3-6 months6+ monthsDebt management15%High-interest debt, no planPlan existsOnly low-interestDebt-freeSavings rate15%< 5%10-15%15-25%> 25%Investment strategy15%Not investingInvesting but no planDiversified + tax-optimizedFull optimizationInsurance coverage10%Major gapsBasic coverageSolid coverageFully optimizedTax optimization10%No tax planningUsing some accountsMaxing accountsFull strategyNet worth growth10%DecliningFlatGrowingAcceleratingEstate planning10%NothingBasic willWill + POA + directiveComplete plan
Scoring Guide
90-100: Financial mastery — maintain and optimize 70-89: Strong foundation — optimize tax and estate 50-69: Building — focus on savings rate and debt 30-49: Getting started — emergency fund + debt payoff 0-29: Crisis mode — stabilize cash flow, minimum debt payments
Common Mistakes
MistakeWhy It HurtsFixNo emergency fundOne crisis = debt spiralBuild $1K starter, then 3 monthsLifestyle inflationRaises never turn into wealthSave 50%+ of every raisePaying minimums on high-interest debtInterest compounds against youAvalanche or snowball methodNot investing earlyMissing compound growthStart with $50/month todayTiming the marketMiss best days = miss most gainsDollar-cost average, alwaysWhole life insuranceExpensive, bad returnsBuy term, invest the differenceNo tax planningLeaving thousands on the tableMax tax-advantaged accountsIgnoring insuranceOne event = financial ruinCover the catastrophic risksEmotional spendingBudget-busting48-hour rule for purchases > $100Keeping up with othersComparison drives overspendingTrack YOUR net worth, ignore others
Irregular Income (Freelance / Commission)
Budget based on lowest 3-month average from past year In good months, build buffer to 3 months ahead Separate business and personal accounts Set aside 25-30% for taxes immediately (estimated payments quarterly) Variable expenses flex, fixed expenses stay locked
Dual Income / Couples
Decide: fully joint, fully separate, or hybrid (joint for shared + separate for personal) Hybrid recommended: joint account for bills/goals + personal "fun money" accounts Monthly money meeting — review budget, goals, upcoming expenses together Life insurance on BOTH incomes Estate planning is critical — both wills, beneficiaries aligned
High Income ($200K+)
Max ALL tax-advantaged accounts (401k, backdoor Roth, HSA, mega backdoor if available) Donor-advised fund for charitable giving Umbrella liability insurance ($1-2M) Estate planning with trusts Consider tax diversification: pre-tax + Roth + taxable + real estate Beware lifestyle creep — savings rate matters more than income
Fresh Start (Post-Bankruptcy / Major Setback)
Secured credit card to rebuild credit Budget with zero-based budgeting (every dollar assigned) Emergency fund is priority #1 (even $500 helps) No new debt until existing is managed Focus on income growth — skills, certifications, side income
International / Multi-Currency
Track in primary currency, note exchange rates for foreign accounts Understand tax obligations in BOTH countries (US citizens taxed on worldwide income) FBAR filing if foreign accounts > $10K aggregate FATCA reporting for foreign financial assets Currency hedging for large foreign holdings
Daily
Categorize new transactions Flag unusual spending (> 2x category average) Check account balances
Weekly
Generate spending summary by category Compare actual vs budget Alert if any category > 90% of monthly budget
Monthly
Generate full budget report with variances Update net worth tracking Calculate savings rate Debt payoff progress update Investment contribution tracking
Quarterly
Net worth trend chart FI percentage update Insurance review reminder Rebalancing check (portfolio drift > 5%)
Annually
Full financial health score (0-100) Year-over-year net worth comparison Tax optimization review Estate document review reminder Goal setting for next year
File Structure
finance/ ├── net-worth-YYYY-MM.yaml # Monthly net worth snapshots ├── budget-YYYY-MM.yaml # Monthly budgets ├── debt-tracker.yaml # Debt inventory and payoff progress ├── investment-allocation.yaml # Current portfolio allocation ├── fi-tracker.yaml # Financial independence progress ├── annual-expenses.yaml # Sinking fund calendar ├── insurance-coverage.yaml # All policies ├── estate-checklist.yaml # Documents and beneficiaries └── reviews/ ├── monthly-YYYY-MM.md # Monthly review notes └── annual-YYYY.md # Annual review
Natural Language Commands
"What's my net worth?" → Calculate from latest snapshot "How's my budget this month?" → Compare actual vs plan "When will I be debt-free?" → Calculate based on current payoff rate "Am I on track for FI?" → Show FI percentage and years remaining "Score my finances" → Run 0-100 scoring rubric "What should I do with an extra $500?" → Apply to priority order "Review my subscriptions" → List all recurring charges with value scores "Tax optimization check" → Review which accounts are maxed "How much house can I afford?" → Calculate based on income and debts "Compare my spending this month vs last" → Category-by-category comparison "Rebalance check" → Compare current allocation to target "Set a savings goal" → Create goal with timeline and monthly amount
Category context
Data access, storage, extraction, analysis, reporting, and insight generation.
Source: Tencent SkillHub
Largest current source with strong distribution and engagement signals.
Package contents
Included in package
2 Docs
- SKILL.md
- README.md