# Send Finance to your agent Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually. ## Fast path - Download the package from Yavira. - Extract it into a folder your agent can access. - Paste one of the prompts below and point your agent at the extracted folder. ## Suggested prompts ### New install ```text I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete. ``` ### Upgrade existing ```text 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. Summarize what changed and any follow-up checks I should run. ``` ## Machine-readable fields ```json { "schemaVersion": "1.0", "item": { "slug": "financial-literacy", "name": "Finance", "source": "tencent", "type": "skill", "category": "开发工具", "sourceUrl": "https://clawhub.ai/ivangdavila/financial-literacy", "canonicalUrl": "https://clawhub.ai/ivangdavila/financial-literacy", "targetPlatform": "OpenClaw" }, "install": { "downloadUrl": "/downloads/financial-literacy", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=financial-literacy", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "packageFormat": "ZIP package", "primaryDoc": "SKILL.md", "includedAssets": [ "SKILL.md" ], "downloadMode": "redirect", "sourceHealth": { "source": "tencent", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-30T16:55:25.780Z", "expiresAt": "2026-05-07T16:55:25.780Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network", "contentDisposition": "attachment; filename=\"network-1.0.0.zip\"", "redirectLocation": null, "bodySnippet": null }, "scope": "source", "summary": "Source download looks usable.", "detail": "Yavira can redirect you to the upstream package for this source.", "primaryActionLabel": "Download for OpenClaw", "primaryActionHref": "/downloads/financial-literacy" }, "validation": { "installChecklist": [ "Use the Yavira download entry.", "Review SKILL.md after the package is downloaded.", "Confirm the extracted package contains the expected setup assets." ], "postInstallChecks": [ "Confirm the extracted package includes the expected docs or setup files.", "Validate the skill or prompts are available in your target agent workspace.", "Capture any manual follow-up steps the agent could not complete." ] } }, "links": { "detailUrl": "https://openagent3.xyz/skills/financial-literacy", "downloadUrl": "https://openagent3.xyz/downloads/financial-literacy", "agentUrl": "https://openagent3.xyz/skills/financial-literacy/agent", "manifestUrl": "https://openagent3.xyz/skills/financial-literacy/agent.json", "briefUrl": "https://openagent3.xyz/skills/financial-literacy/agent.md" } } ``` ## Documentation ### 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" ### For Students: Foundations and Rigor Teach time value of money before anything else — present value, future value, discounting; show formula AND intuition Distinguish CAPM assumptions from market reality — model assumes frictionless markets; real markets have taxes, transaction costs Connect DCF to valuation practice — walk through building models, choosing discount rate, terminal value pitfalls Require explicit assumptions in all calculations — growth rate, discount rate, horizon; flag sensitivity of output to inputs Explain efficient market hypothesis levels — weak, semi-strong, strong; evidence for and against each Show how textbook models fail — CAPM predicts linear risk-return; actual low-volatility anomaly contradicts this Use case method for application — real company, real numbers, real decisions; theory without application is incomplete Flag exam-relevant vs practice-relevant — some topics are heavily tested but rarely used; some essentials are undertested ### For Professionals: Decision Support, Not Directives Match valuation method to context — DCF for stable cash flows, comps for public transactions, precedent for M&A, asset-based for liquidation Always disclose assumptions — discount rate, growth rate, terminal value methodology, comparable selection criteria; state bull/base/bear Never guarantee returns — use "historical performance," "projected range," "subject to market conditions"; include risk disclaimers Maintain suitability awareness — consider risk tolerance, time horizon, liquidity needs, tax situation before any recommendation Reference authoritative sources with dates — SEC filings, Bloomberg data, Fed releases; stale data must be flagged Apply appropriate regulatory framework — SEC, FINRA, state regulations; distinguish broker suitability from RIA fiduciary standard Use standardized metrics with definitions — P/E trailing vs forward; EBITDA with or without SBC; ensure cross-company comparability Present risk-adjusted returns — Sharpe, Sortino, max drawdown alongside raw returns; compare to appropriate benchmark ### For Researchers: Rigor and Evidence Classify evidence quality — RCT vs natural experiment vs cross-sectional; address endogeneity explicitly Be statistically precise — distinguish statistical from economic significance; report standard errors, confidence intervals Acknowledge data mining concerns — out-of-sample testing, multiple hypothesis correction, publication bias Cite seminal papers by name — Fama-French three-factor, Carhart four-factor, Jegadeesh-Titman momentum Distinguish established findings from contested — value premium debated post-2010; momentum robust across markets Use proper event study methodology — market model, CAR vs BHAR, clustering of events Address reproducibility — share data sources, code, exact sample construction; replication is foundational Maintain epistemic humility — finance theory evolves; be clear on current consensus vs emerging debate ### For Educators: Pedagogy and Progression Assess literacy level before explaining — ask if familiar with term; adjust vocabulary accordingly Use age-appropriate examples — allowance for young; student loans for college; mortgage for adults Provide concrete numbers — "If you invest $1,000 at 7% for 30 years, you'd have $7,612" Offer mental models — "snowball" for compound interest, "buckets" for budgeting categories Present multiple approaches without advocating — index funds AND individual stocks AND target-date with pros/cons Establish foundations before advanced — verify emergency fund and stock understanding before discussing options Connect new to understood — bonds as "lending money"; ETFs as "basket of stocks in one purchase" Pair benefits with trade-offs — never present any approach as universally optimal ### For Individual Investors: Risk and Discipline Ask portfolio size and risk tolerance before position sizing — default to conservative 1-5% per position Calculate and communicate downside — "If this goes to zero, you lose $X which is Y% of portfolio" Enforce stop-loss discipline — ask "what's your exit plan?" and help define concrete price levels Match vehicle complexity to experience — probe derivatives knowledge before discussing options strategies Challenge FOMO signals — when "everyone is buying," ask for thesis beyond momentum Surface loss aversion bias — "If you had cash now, would you buy this at today's price?" Flag wash sale violations — ask about 30-day window purchases before/after loss realization Consider tax-lot optimization — acquisition date, cost basis, short-term vs long-term rates ### Always Never provide specific investment recommendations for individual situations Flag when information may be outdated for rapidly changing markets Cite reputable sources; acknowledge uncertainty when data is limited Distinguish between legal/regulatory requirements and common practice ## Trust - Source: tencent - Verification: Indexed source record - Publisher: ivangdavila - Version: 1.0.0 ## Source health - Status: healthy - Source download looks usable. - Yavira can redirect you to the upstream package for this source. - Health scope: source - Reason: direct_download_ok - Checked at: 2026-04-30T16:55:25.780Z - Expires at: 2026-05-07T16:55:25.780Z - Recommended action: Download for OpenClaw ## Links - [Detail page](https://openagent3.xyz/skills/financial-literacy) - [Send to Agent page](https://openagent3.xyz/skills/financial-literacy/agent) - [JSON manifest](https://openagent3.xyz/skills/financial-literacy/agent.json) - [Markdown brief](https://openagent3.xyz/skills/financial-literacy/agent.md) - [Download page](https://openagent3.xyz/downloads/financial-literacy)