{ "schemaVersion": "1.0", "item": { "slug": "financial-planning", "name": "Financial Planning", "source": "tencent", "type": "skill", "category": "数据分析", "sourceUrl": "https://clawhub.ai/JK-0001/financial-planning", "canonicalUrl": "https://clawhub.ai/JK-0001/financial-planning", "targetPlatform": "OpenClaw" }, "install": { "downloadMode": "redirect", "downloadUrl": "/downloads/financial-planning", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=financial-planning", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "installMethod": "Manual import", "extraction": "Extract archive", "prerequisites": [ "OpenClaw" ], "packageFormat": "ZIP package", "includedAssets": [ "SKILL.md" ], "primaryDoc": "SKILL.md", "quickSetup": [ "Download the package from Yavira.", "Extract the archive and review SKILL.md first.", "Import or place the package into your OpenClaw setup." ], "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "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." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. 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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." }, { "label": "Upgrade existing", "body": "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." } ] }, "documentation": { "source": "clawhub", "primaryDoc": "SKILL.md", "sections": [ { "title": "Overview", "body": "Most solopreneurs avoid financial planning until something goes wrong — a surprise tax bill, a month where expenses eat all revenue, or a decision made without understanding the numbers. This playbook gives you a lightweight but rigorous financial system that takes 30 minutes to set up and 15 minutes per month to maintain. No accounting degree required." }, { "title": "Step 1: Set Up Your Financial Reality Baseline", "body": "Before planning, know where you actually stand right now.\n\nGather these numbers (estimate if you don't have exact figures):\n\nMonthly revenue (average of last 3 months if you have history; projected if pre-revenue)\nMonthly fixed expenses (rent/co-working, tools/subscriptions, insurance, hosting, internet — things that don't change month to month)\nMonthly variable expenses (marketing spend, contractor payments, per-transaction fees, travel — things that fluctuate)\nOne-time expenses coming up in the next 6 months (equipment, legal, conferences, annual subscriptions)\nPersonal income need (the minimum you need to pay yourself each month to cover personal living costs)\n\nWrite these down. This is your baseline. Everything else in this playbook builds on it." }, { "title": "Step 2: Build Your Monthly Budget", "body": "A budget is simply: how much money do you plan to spend in each category, and how much do you plan to bring in?\n\nBudget structure:\n\nMONTHLY BUDGET\n==============\n\nREVENUE\n Product/Service Revenue: $________\n Secondary Revenue Streams: $________\n TOTAL REVENUE: $________\n\nEXPENSES — FIXED\n Hosting & Infrastructure: $________\n Tools & Software: $________\n Insurance: $________\n Legal / Professional Services: $________\n Other Fixed: $________\n TOTAL FIXED: $________\n\nEXPENSES — VARIABLE\n Marketing & Advertising: $________\n Contractor / Freelancer: $________\n Payment Processing Fees: $________\n Travel & Events: $________\n Education & Learning: $________\n Other Variable: $________\n TOTAL VARIABLE: $________\n\nTOTAL EXPENSES: $________ (Fixed + Variable)\n\nGROSS PROFIT: $________ (Revenue - Expenses)\n\nOWNER SALARY (your pay): $________\n\nNET PROFIT (retained in business):$________ (Gross Profit - Owner Salary)\n\nRules:\n\nMarketing budget should be 10-20% of revenue (or a fixed dollar amount if pre-revenue — treat it as an investment with expected ROI).\nOwner salary should be set first, then expenses fit around it. If expenses + salary > revenue, something must be cut or revenue must grow.\nAlways budget a 10-15% buffer for unexpected costs. Unexpected things always happen." }, { "title": "Step 3: Cash Flow Forecasting", "body": "Revenue on paper is not cash in your account. Cash flow timing is what actually keeps a business alive.\n\nMonthly cash flow forecast (do this 3 months ahead):\n\nCASH FLOW FORECAST\n==================\n Month 1 Month 2 Month 3\nStarting Cash: $________ $________ $________\n+ Revenue In: $________ $________ $________\n- Expenses Out: $________ $________ $________\n= Ending Cash: $________ $________ $________\n\nCash flow timing rules:\n\nRevenue often comes in AFTER the work is done (invoices have Net-15 or Net-30 terms). Budget for this lag.\nSome expenses are lumpy (annual subscriptions, quarterly contractor payments). Spread these into monthly equivalents in your budget so you're not surprised.\nKeep a cash reserve of 2-3 months of expenses. This is your runway buffer. Without it, one bad month can threaten the business.\n\nCash flow danger signals:\n\nEnding cash drops below 1 month of expenses → urgent. Cut spending or accelerate collections immediately.\nRevenue is growing but cash is flat → you're spending everything you earn. Examine variable expenses.\nRevenue is lumpy (big months, dead months) → smooth it out with recurring revenue models or build a larger cash reserve." }, { "title": "Step 4: Set Financial Targets", "body": "Targets give you something to measure against and decisions to make when you're off track.\n\nSet targets at three horizons:\n\nMonthly targets:\n\nMinimum revenue to cover expenses + salary\nMarketing spend cap\nNew customer acquisition count\n\nQuarterly targets:\n\nRevenue growth rate (e.g., 10-15% quarter over quarter)\nProfit margin target (aim for 30-50% net margin as a solopreneur)\nCash reserve target (build toward 3 months of expenses)\n\nAnnual targets:\n\nTotal annual revenue\nTotal annual profit\nOwner salary / total compensation target\nBusiness milestones (launch date, customer count, revenue milestone)\n\nWhen you miss a target: Don't panic. Analyze why. Was it a bad assumption? An external factor? A controllable mistake? Adjust the plan, not just the target." }, { "title": "Step 5: Track Monthly (The 15-Minute Review)", "body": "At the end of every month, spend 15 minutes on this review:\n\nActual vs. Budget: Compare every line in your budget to what actually happened. Where did you overspend? Underspend?\nRevenue vs. Target: Did you hit your revenue target? If not, why?\nCash position: What's your current cash balance? Are you above or below your reserve target?\nOne action: Based on this review, identify ONE financial action for next month. (e.g., \"Reduce contractor spend by $500\", \"Raise prices on new customers\", \"Collect overdue invoice from Client X\")\n\nTools for tracking: A shared Google Sheet is sufficient for most solopreneurs. Dedicated tools (QuickBooks, FreshBooks, Wave) add value once revenue exceeds $5K/month or you have complex expenses. Wave is free and handles basic bookkeeping well." }, { "title": "Step 6: Tax Planning (Integrated, Not Afterthought)", "body": "Tax is an expense like any other. Budget for it monthly — not just once a year in a panic.\n\nSolopreneur tax budget rule: Set aside 25-30% of every revenue payment into a separate \"tax savings\" account. This covers:\n\nSelf-employment tax (Social Security + Medicare)\nFederal and state income tax\nQuarterly estimated tax payments (due Jan 15, Apr 15, Jun 15, Sep 15 in the US)\n\nIf you're outside the US: Tax rules vary enormously by country. The percentage may differ but the principle is the same — set aside a fixed percentage of revenue immediately, before you spend it.\n\nIf you haven't been doing this and owe back taxes: Calculate the total owed, divide by the months until the deadline, and set that aside each month. Do not ignore it." }, { "title": "Financial Planning Mistakes to Avoid", "body": "Treating revenue as profit. Revenue minus expenses = profit. Many solopreneurs conflate the two.\nNot paying yourself a salary. If you don't pay yourself, you don't know if the business is actually profitable for YOU.\nIgnoring taxes until April (or your country's equivalent). Tax surprises are the #1 financial crisis for solopreneurs.\nBudgeting optimistically. Budget conservatively on revenue (assume less), aggressively on expenses (assume more). Positive surprises are much better than negative ones.\nNever revisiting the budget. A budget set in January is stale by March. Update monthly." } ], "body": "Financial Planning\nOverview\n\nMost solopreneurs avoid financial planning until something goes wrong — a surprise tax bill, a month where expenses eat all revenue, or a decision made without understanding the numbers. This playbook gives you a lightweight but rigorous financial system that takes 30 minutes to set up and 15 minutes per month to maintain. No accounting degree required.\n\nStep 1: Set Up Your Financial Reality Baseline\n\nBefore planning, know where you actually stand right now.\n\nGather these numbers (estimate if you don't have exact figures):\n\nMonthly revenue (average of last 3 months if you have history; projected if pre-revenue)\nMonthly fixed expenses (rent/co-working, tools/subscriptions, insurance, hosting, internet — things that don't change month to month)\nMonthly variable expenses (marketing spend, contractor payments, per-transaction fees, travel — things that fluctuate)\nOne-time expenses coming up in the next 6 months (equipment, legal, conferences, annual subscriptions)\nPersonal income need (the minimum you need to pay yourself each month to cover personal living costs)\n\nWrite these down. This is your baseline. Everything else in this playbook builds on it.\n\nStep 2: Build Your Monthly Budget\n\nA budget is simply: how much money do you plan to spend in each category, and how much do you plan to bring in?\n\nBudget structure:\n\nMONTHLY BUDGET\n==============\n\nREVENUE\n Product/Service Revenue: $________\n Secondary Revenue Streams: $________\n TOTAL REVENUE: $________\n\nEXPENSES — FIXED\n Hosting & Infrastructure: $________\n Tools & Software: $________\n Insurance: $________\n Legal / Professional Services: $________\n Other Fixed: $________\n TOTAL FIXED: $________\n\nEXPENSES — VARIABLE\n Marketing & Advertising: $________\n Contractor / Freelancer: $________\n Payment Processing Fees: $________\n Travel & Events: $________\n Education & Learning: $________\n Other Variable: $________\n TOTAL VARIABLE: $________\n\nTOTAL EXPENSES: $________ (Fixed + Variable)\n\nGROSS PROFIT: $________ (Revenue - Expenses)\n\nOWNER SALARY (your pay): $________\n\nNET PROFIT (retained in business):$________ (Gross Profit - Owner Salary)\n\n\nRules:\n\nMarketing budget should be 10-20% of revenue (or a fixed dollar amount if pre-revenue — treat it as an investment with expected ROI).\nOwner salary should be set first, then expenses fit around it. If expenses + salary > revenue, something must be cut or revenue must grow.\nAlways budget a 10-15% buffer for unexpected costs. Unexpected things always happen.\nStep 3: Cash Flow Forecasting\n\nRevenue on paper is not cash in your account. Cash flow timing is what actually keeps a business alive.\n\nMonthly cash flow forecast (do this 3 months ahead):\n\nCASH FLOW FORECAST\n==================\n Month 1 Month 2 Month 3\nStarting Cash: $________ $________ $________\n+ Revenue In: $________ $________ $________\n- Expenses Out: $________ $________ $________\n= Ending Cash: $________ $________ $________\n\n\nCash flow timing rules:\n\nRevenue often comes in AFTER the work is done (invoices have Net-15 or Net-30 terms). Budget for this lag.\nSome expenses are lumpy (annual subscriptions, quarterly contractor payments). Spread these into monthly equivalents in your budget so you're not surprised.\nKeep a cash reserve of 2-3 months of expenses. This is your runway buffer. Without it, one bad month can threaten the business.\n\nCash flow danger signals:\n\nEnding cash drops below 1 month of expenses → urgent. Cut spending or accelerate collections immediately.\nRevenue is growing but cash is flat → you're spending everything you earn. Examine variable expenses.\nRevenue is lumpy (big months, dead months) → smooth it out with recurring revenue models or build a larger cash reserve.\nStep 4: Set Financial Targets\n\nTargets give you something to measure against and decisions to make when you're off track.\n\nSet targets at three horizons:\n\nMonthly targets:\n\nMinimum revenue to cover expenses + salary\nMarketing spend cap\nNew customer acquisition count\n\nQuarterly targets:\n\nRevenue growth rate (e.g., 10-15% quarter over quarter)\nProfit margin target (aim for 30-50% net margin as a solopreneur)\nCash reserve target (build toward 3 months of expenses)\n\nAnnual targets:\n\nTotal annual revenue\nTotal annual profit\nOwner salary / total compensation target\nBusiness milestones (launch date, customer count, revenue milestone)\n\nWhen you miss a target: Don't panic. Analyze why. Was it a bad assumption? An external factor? A controllable mistake? Adjust the plan, not just the target.\n\nStep 5: Track Monthly (The 15-Minute Review)\n\nAt the end of every month, spend 15 minutes on this review:\n\nActual vs. Budget: Compare every line in your budget to what actually happened. Where did you overspend? Underspend?\nRevenue vs. Target: Did you hit your revenue target? If not, why?\nCash position: What's your current cash balance? Are you above or below your reserve target?\nOne action: Based on this review, identify ONE financial action for next month. (e.g., \"Reduce contractor spend by $500\", \"Raise prices on new customers\", \"Collect overdue invoice from Client X\")\n\nTools for tracking: A shared Google Sheet is sufficient for most solopreneurs. Dedicated tools (QuickBooks, FreshBooks, Wave) add value once revenue exceeds $5K/month or you have complex expenses. Wave is free and handles basic bookkeeping well.\n\nStep 6: Tax Planning (Integrated, Not Afterthought)\n\nTax is an expense like any other. Budget for it monthly — not just once a year in a panic.\n\nSolopreneur tax budget rule: Set aside 25-30% of every revenue payment into a separate \"tax savings\" account. This covers:\n\nSelf-employment tax (Social Security + Medicare)\nFederal and state income tax\nQuarterly estimated tax payments (due Jan 15, Apr 15, Jun 15, Sep 15 in the US)\n\nIf you're outside the US: Tax rules vary enormously by country. The percentage may differ but the principle is the same — set aside a fixed percentage of revenue immediately, before you spend it.\n\nIf you haven't been doing this and owe back taxes: Calculate the total owed, divide by the months until the deadline, and set that aside each month. Do not ignore it.\n\nFinancial Planning Mistakes to Avoid\nTreating revenue as profit. Revenue minus expenses = profit. Many solopreneurs conflate the two.\nNot paying yourself a salary. If you don't pay yourself, you don't know if the business is actually profitable for YOU.\nIgnoring taxes until April (or your country's equivalent). Tax surprises are the #1 financial crisis for solopreneurs.\nBudgeting optimistically. Budget conservatively on revenue (assume less), aggressively on expenses (assume more). Positive surprises are much better than negative ones.\nNever revisiting the budget. A budget set in January is stale by March. Update monthly." }, "trust": { "sourceLabel": "tencent", "provenanceUrl": "https://clawhub.ai/JK-0001/financial-planning", "publisherUrl": "https://clawhub.ai/JK-0001/financial-planning", "owner": "JK-0001", "version": "0.1.0", "license": null, "verificationStatus": "Indexed source record" }, "links": { "detailUrl": "https://openagent3.xyz/skills/financial-planning", "downloadUrl": "https://openagent3.xyz/downloads/financial-planning", "agentUrl": "https://openagent3.xyz/skills/financial-planning/agent", "manifestUrl": "https://openagent3.xyz/skills/financial-planning/agent.json", "briefUrl": "https://openagent3.xyz/skills/financial-planning/agent.md" } }