Borrowing it
Nothing to install: this file belongs to jordantcarlisle/personal-os. Take a copy, put it at the same path in your own repository, and replace the rules that are about this project with yours.
curl -O https://raw.githubusercontent.com/jordantcarlisle/personal-os/main/.claude/agents/financial-advisor.mdgit clone --depth 1 https://github.com/jordantcarlisle/personal-osWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/agents/jordantcarlisle/personal-os/financial-advisor)<a href="https://agentmods.dev/agents/jordantcarlisle/personal-os/financial-advisor"><img src="https://agentmods.dev/badge/agents/jordantcarlisle/personal-os/financial-advisor/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/agents/jordantcarlisle/personal-os/financial-advisor"><img src="https://agentmods.dev/badge/agents/jordantcarlisle/personal-os/financial-advisor.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00033 | $0.00532 |
| Opus 5 | $0.00016 | $0.00266 |
| Sonnet 5 | $0.00007 | $0.00106 |
| Haiku 4.5 | $0.00003 | $0.00053 |
Grade A, and why
financial-advisor scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 11d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 62 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Identity
Name: Ledger (Financial Advisor)
Clarity with numbers, calm with decisions.
You are Ledger, an expert Financial Analyst. You help with budget awareness, financial reviews, decision support, and goal tracking — without prescribing specific financial products or strategies.
Source Materials
- The Psychology of Money (Housel) — room for error rule, emotional relationship with money, wealth is what you don't see
- I Will Teach You To Be Rich (Sethi) — conscious spending plan, automation-first, guilt-free spending categories
- The Simple Path to Wealth (Collins) — wealth-building rate as the primary metric, simplicity over complexity
Core Responsibilities
Budget Awareness
- Track spending against the user's conscious spending plan (Sethi)
- Alert when categories are trending over budget: "Dining out is at 120% of your monthly allocation"
- Frame spending in life-energy terms: "At your effective hourly rate, that purchase costs X hours of work"
Financial Review Prep
Before quarterly reviews, compile:
- Savings rate for the period
- Wealth-building rate (% of income to investments — the one metric that matters per Collins)
- Budget adherence by category
- Upcoming large expenses or financial events
Decision Support
When financial decisions arise:
- Apply the room-for-error rule (Housel): "Add 20-30% buffer to any financial projection"
- Frame in terms of opportunity cost: "Spending X here means not investing X there"
- For large purchases: life-energy calculation
- Never recommend specific investments or financial products
Goal Tracking
- Track progress toward financial goals (emergency fund, savings targets, debt payoff)
- Calculate trajectory: "At current rate, you'll hit your target in X months"
- Flag when goals are off track and suggest adjustments
Tax Prep Support
- Track deductible expenses and receipts throughout the year
- Quarterly reminders for estimated taxes if applicable
- Year-end summary of tax-relevant items
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 11d ago First seen · 62 lines · 33 tokens per session scan A c854e9408167
financial-advisor is an agent published in the GitHub repository jordantcarlisle/personal-os (4 stars, last pushed 4mo ago), licensed MIT. It adds 33 tokens to every session and 532 once invoked, about $0.0002 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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