Personal Finance Q&A
Ask any personal-finance question and get a plain-English answer tailored to your bracket, timeline, and risk appetite.
About this skill
Personal Finance Q&A is the skill that turns your AI into a friend who happens to be a CFP. It handles the questions you'd normally have to piece together from ten Reddit threads: Roth vs. traditional, when to refinance, how to think about I-bonds versus a HYSA, whether to lump-sum or dollar-cost-average an inheritance.
The answers are specific because the skill asks the right qualifying questions first — bracket, timeline, whether you have an emergency fund, whether the account is retirement or brokerage. It won't give you a generic answer when a specific one is possible.
It refuses to time the market, refuses to recommend individual stocks, and always shows the assumptions behind a number so you can push back. When something needs a licensed pro, it says so.
Best for anyone who wants finance advice without paying for a call — and for creators who want a skill they can pitch to viewers as their finance sidekick.
SKILL.md preview
---
name: Personal Finance Q&A
description: "Ask any personal-finance question and get a plain-English answer tailored to your bracket, timeline, and risk appetite."
version: 1.0.0
category: Finance
author: Robert Benjamin
license: proprietary
tags:
- finance
- personal-finance
- budgeting
- planning
- beginner
---
# Personal Finance Q&A
Ask any personal-finance question and get a plain-English answer tailored to your bracket, timeline, and risk appetite.
## Overview
Personal Finance Q&A is the skill that turns your AI into a friend who happens to be a CFP. It handles the questions you'd normally have to piece together from ten Reddit threads: Roth vs. traditional, when to refinance, how to think about I-bonds versus a HYSA, whether to lump-sum or dollar-cost-average an inheritance.
The answers are specific because the skill asks the right qualifying questions first — bracket, timeline, whether you have an emergency fund, whether the account is retirement or brokerage. It won't give you a generic answer when a specific one is possible.
It refuses to time the market, refuses to recommend individual stocks, and always shows the assumptions behind a number so you can push back. When something needs a licensed pro, it says so.
Best for anyone who wants finance advice without paying for a call — and for creators who want a skill they can pitch to viewers as their finance sidekick.
## How to use
1. Unzip the skill into your agent's skills directory.
2. Reference it by name (`Personal Finance Q&A`) when prompting your agent.
3. The skill loads its instructions, prompt patterns, and any
supporting files automatically — no extra setup.
## Works with
- Claude (Anthropic)
- ChatGPT (OpenAI)
- Cursor
- Codex
- Gemini
- 20+ MCP-compatible agents