{
  "schemaVersion": "1.0",
  "item": {
    "slug": "money",
    "name": "Money",
    "source": "tencent",
    "type": "skill",
    "category": "内容创作",
    "sourceUrl": "https://clawhub.ai/ivangdavila/money",
    "canonicalUrl": "https://clawhub.ai/ivangdavila/money",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadMode": "redirect",
    "downloadUrl": "/downloads/money",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=money",
    "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. 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."
        }
      ]
    },
    "sourceHealth": {
      "source": "tencent",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-04-23T16:43:11.935Z",
      "expiresAt": "2026-04-30T16:43:11.935Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
        "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.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/money"
    },
    "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."
      ]
    },
    "downloadPageUrl": "https://openagent3.xyz/downloads/money",
    "agentPageUrl": "https://openagent3.xyz/skills/money/agent",
    "manifestUrl": "https://openagent3.xyz/skills/money/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/money/agent.md"
  },
  "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. 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": "Before Any Advice",
        "body": "Ask about existing debts, income stability, and country of residence — generic advice without context is dangerous\nHigh-interest debt (credit cards, payday loans) must be paid first — no investment beats 20%+ guaranteed return of eliminating debt\nEmergency fund of 3-6 months expenses comes before investing — without it, any crisis forces selling at the worst time"
      },
      {
        "title": "Inflation Reality",
        "body": "Cash in savings accounts loses purchasing power every year — 2-3% inflation means €10,000 becomes €7,400 in real terms after 10 years\nLong-term projections must use real returns (after inflation) — 7% real is honest, 10% nominal is misleading\n\"Safe\" bonds can lose to inflation — being conservative isn't the same as being safe"
      },
      {
        "title": "Investment Math",
        "body": "Fees compound against you — 1% annual fee takes 25% of returns over 30 years\nTime in market beats timing the market — missing the 10 best days in a decade cuts returns in half\nPast performance predicts nothing — last year's top fund is often next year's loser\nDiversification is the only free lunch — single stocks are gambling, broad index funds are investing"
      },
      {
        "title": "Tax Awareness",
        "body": "Every country has tax-advantaged accounts — ask which ones apply before recommending where to invest\nCapital gains, dividends, and interest are taxed differently — account type matters\nTax loss harvesting and rebalancing have tax implications — don't ignore them\nRetirement accounts have withdrawal rules — early access often means penalties"
      },
      {
        "title": "Behavioral Traps",
        "body": "Lifestyle inflation silently erases raises — a €5,000 raise that becomes €5,000 more spending changes nothing\nLoss aversion makes people sell winners and hold losers — the opposite of what works\n\"I'll start investing when I have more money\" is the most expensive delay — small amounts now beat large amounts later\nChecking investments daily increases bad decisions — less attention often means better returns"
      },
      {
        "title": "Insurance First",
        "body": "Protect existing assets before growing them — health, disability, liability coverage\nLife insurance only matters if someone depends on your income\nHigh deductibles with lower premiums often make sense for those with emergency funds\nInsurance is for catastrophic risks, not minor inconveniences"
      },
      {
        "title": "Debt Hierarchy",
        "body": "Not all debt is equal — mortgage at 3% is different from credit card at 22%\nPaying minimums on low-interest debt while investing the difference often wins mathematically\nStudent loans and mortgages may have tax benefits — factor them in\nDebt-free feels good but isn't always optimal — opportunity cost matters"
      },
      {
        "title": "Practical Automation",
        "body": "Pay yourself first: automate savings on payday — what's left is what you spend\nAutomate bill payments to avoid late fees and credit damage\nIncrease savings rate with every raise — split the raise between lifestyle and saving\nAnnual rebalancing is enough — more frequent trading usually hurts"
      },
      {
        "title": "Red Flags",
        "body": "Any \"guaranteed\" high returns — if it sounds too good, it is\nPressure to decide quickly — legitimate opportunities don't vanish in 24 hours\nComplex products you don't understand — complexity hides fees\nAnyone who benefits from your investment decision giving you advice"
      }
    ],
    "body": "Personal Finance Rules\nBefore Any Advice\nAsk about existing debts, income stability, and country of residence — generic advice without context is dangerous\nHigh-interest debt (credit cards, payday loans) must be paid first — no investment beats 20%+ guaranteed return of eliminating debt\nEmergency fund of 3-6 months expenses comes before investing — without it, any crisis forces selling at the worst time\nInflation Reality\nCash in savings accounts loses purchasing power every year — 2-3% inflation means €10,000 becomes €7,400 in real terms after 10 years\nLong-term projections must use real returns (after inflation) — 7% real is honest, 10% nominal is misleading\n\"Safe\" bonds can lose to inflation — being conservative isn't the same as being safe\nInvestment Math\nFees compound against you — 1% annual fee takes 25% of returns over 30 years\nTime in market beats timing the market — missing the 10 best days in a decade cuts returns in half\nPast performance predicts nothing — last year's top fund is often next year's loser\nDiversification is the only free lunch — single stocks are gambling, broad index funds are investing\nTax Awareness\nEvery country has tax-advantaged accounts — ask which ones apply before recommending where to invest\nCapital gains, dividends, and interest are taxed differently — account type matters\nTax loss harvesting and rebalancing have tax implications — don't ignore them\nRetirement accounts have withdrawal rules — early access often means penalties\nBehavioral Traps\nLifestyle inflation silently erases raises — a €5,000 raise that becomes €5,000 more spending changes nothing\nLoss aversion makes people sell winners and hold losers — the opposite of what works\n\"I'll start investing when I have more money\" is the most expensive delay — small amounts now beat large amounts later\nChecking investments daily increases bad decisions — less attention often means better returns\nInsurance First\nProtect existing assets before growing them — health, disability, liability coverage\nLife insurance only matters if someone depends on your income\nHigh deductibles with lower premiums often make sense for those with emergency funds\nInsurance is for catastrophic risks, not minor inconveniences\nDebt Hierarchy\nNot all debt is equal — mortgage at 3% is different from credit card at 22%\nPaying minimums on low-interest debt while investing the difference often wins mathematically\nStudent loans and mortgages may have tax benefits — factor them in\nDebt-free feels good but isn't always optimal — opportunity cost matters\nPractical Automation\nPay yourself first: automate savings on payday — what's left is what you spend\nAutomate bill payments to avoid late fees and credit damage\nIncrease savings rate with every raise — split the raise between lifestyle and saving\nAnnual rebalancing is enough — more frequent trading usually hurts\nRed Flags\nAny \"guaranteed\" high returns — if it sounds too good, it is\nPressure to decide quickly — legitimate opportunities don't vanish in 24 hours\nComplex products you don't understand — complexity hides fees\nAnyone who benefits from your investment decision giving you advice"
  },
  "trust": {
    "sourceLabel": "tencent",
    "provenanceUrl": "https://clawhub.ai/ivangdavila/money",
    "publisherUrl": "https://clawhub.ai/ivangdavila/money",
    "owner": "ivangdavila",
    "version": "1.0.0",
    "license": null,
    "verificationStatus": "Indexed source record"
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/money",
    "downloadUrl": "https://openagent3.xyz/downloads/money",
    "agentUrl": "https://openagent3.xyz/skills/money/agent",
    "manifestUrl": "https://openagent3.xyz/skills/money/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/money/agent.md"
  }
}