# Send Money 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": "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": { "downloadUrl": "/downloads/money", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=money", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "packageFormat": "ZIP package", "primaryDoc": "SKILL.md", "includedAssets": [ "SKILL.md" ], "downloadMode": "redirect", "sourceHealth": { "source": "tencent", "slug": "money", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-30T04:57:53.896Z", "expiresAt": "2026-05-07T04:57:53.896Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=money", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=money", "contentDisposition": "attachment; filename=\"money-1.0.0.zip\"", "redirectLocation": null, "bodySnippet": null, "slug": "money" }, "scope": "item", "summary": "Item download looks usable.", "detail": "Yavira can redirect you to the upstream package for this item.", "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." ] } }, "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" } } ``` ## Documentation ### Before Any Advice Ask about existing debts, income stability, and country of residence — generic advice without context is dangerous High-interest debt (credit cards, payday loans) must be paid first — no investment beats 20%+ guaranteed return of eliminating debt Emergency fund of 3-6 months expenses comes before investing — without it, any crisis forces selling at the worst time ### Inflation Reality Cash in savings accounts loses purchasing power every year — 2-3% inflation means €10,000 becomes €7,400 in real terms after 10 years Long-term projections must use real returns (after inflation) — 7% real is honest, 10% nominal is misleading "Safe" bonds can lose to inflation — being conservative isn't the same as being safe ### Investment Math Fees compound against you — 1% annual fee takes 25% of returns over 30 years Time in market beats timing the market — missing the 10 best days in a decade cuts returns in half Past performance predicts nothing — last year's top fund is often next year's loser Diversification is the only free lunch — single stocks are gambling, broad index funds are investing ### Tax Awareness Every country has tax-advantaged accounts — ask which ones apply before recommending where to invest Capital gains, dividends, and interest are taxed differently — account type matters Tax loss harvesting and rebalancing have tax implications — don't ignore them Retirement accounts have withdrawal rules — early access often means penalties ### Behavioral Traps Lifestyle inflation silently erases raises — a €5,000 raise that becomes €5,000 more spending changes nothing Loss aversion makes people sell winners and hold losers — the opposite of what works "I'll start investing when I have more money" is the most expensive delay — small amounts now beat large amounts later Checking investments daily increases bad decisions — less attention often means better returns ### Insurance First Protect existing assets before growing them — health, disability, liability coverage Life insurance only matters if someone depends on your income High deductibles with lower premiums often make sense for those with emergency funds Insurance is for catastrophic risks, not minor inconveniences ### Debt Hierarchy Not all debt is equal — mortgage at 3% is different from credit card at 22% Paying minimums on low-interest debt while investing the difference often wins mathematically Student loans and mortgages may have tax benefits — factor them in Debt-free feels good but isn't always optimal — opportunity cost matters ### Practical Automation Pay yourself first: automate savings on payday — what's left is what you spend Automate bill payments to avoid late fees and credit damage Increase savings rate with every raise — split the raise between lifestyle and saving Annual rebalancing is enough — more frequent trading usually hurts ### Red Flags Any "guaranteed" high returns — if it sounds too good, it is Pressure to decide quickly — legitimate opportunities don't vanish in 24 hours Complex products you don't understand — complexity hides fees Anyone who benefits from your investment decision giving you advice ## Trust - Source: tencent - Verification: Indexed source record - Publisher: ivangdavila - Version: 1.0.0 ## Source health - Status: healthy - Item download looks usable. - Yavira can redirect you to the upstream package for this item. - Health scope: item - Reason: direct_download_ok - Checked at: 2026-04-30T04:57:53.896Z - Expires at: 2026-05-07T04:57:53.896Z - Recommended action: Download for OpenClaw ## Links - [Detail page](https://openagent3.xyz/skills/money) - [Send to Agent page](https://openagent3.xyz/skills/money/agent) - [JSON manifest](https://openagent3.xyz/skills/money/agent.json) - [Markdown brief](https://openagent3.xyz/skills/money/agent.md) - [Download page](https://openagent3.xyz/downloads/money)