finance

仓库创建 2026年5月12日最近提交 6 小时前SkillHot 收录 20 天前

▸ 精选理由

结构化的个人理财框架，适合有财务规划需求的个人

▸ 风险提示

仅作教育参考，非专业理财或税务建议

这个 Skill 做什么

提供个人理财五大支柱的规划流程与文档化建议

把个人理财拆成五大支柱来做规划：现金流、净资产、债务、应急金和投资，并兼顾税务、保险与退休（如 FIRE、4% rule、Mega Backdoor Roth）。用于做预算、准备退休或整理财务文件时，给出按步骤的执行流程和文档保留建议。特点是把复杂策略变成可执行的清单和模板，方便长期跟踪。

▸ 展开 SKILL.md 英文原文

Personal finance planning — 5-pillar framework (cash flow, net worth, debt, emergency fund, investing), tax optimization, insurance review, retirement planning (FIRE, 4% rule, Mega Backdoor Roth), and document retention.

垂直行业理财规划退休税务通用

110

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Forks

仓库内 Skill

7 日增星

安装 / 使用

给你的 Agent 一句话（通用）

帮我安装这个 skill：https://raw.githubusercontent.com/EliasOulkadi/shokunin/master/.pack/skills/finance/SKILL.md

或 curl 直取 SKILL.md

curl -fsSL "https://raw.githubusercontent.com/EliasOulkadi/shokunin/master/.pack/skills/finance/SKILL.md"

SKILL.MD 节选查看完整文件 ↗

**Disclaimer**: Educational financial planning information. Not professional financial advice.

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## Workflow

Follow in order. Skip pillars already covered.

### 1. Assess Cash Flow

1. Calculate real monthly income (take-home after taxes, insurance, retirement)
2. Track expenses for 30 days
3. Classify into Needs (50%), Wants (30%), Savings (20%)
4. Identify surplus or deficit

### 2. Calculate Net Worth

1. List all assets (cash, investments, property, retirement accounts)
2. List all liabilities (credit cards, loans, mortgage, student debt)
3. Net Worth = Total Assets - Total Liabilities
4. Track monthly — direction matters more than the number

### 3. Eliminate High-Interest Debt

1.

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