PM Skills is a collection of plain-Markdown instructions that teach AI assistants structured methods for handling professional, personal, and life-admin tasks. People use it with Claude, ChatGPT, Gemini, Cursor, Codex, and other supported agents for work such as writing product requirements, reviewing documents, or planning difficult situations.
Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skillsnpx agentmods add rules/mohitagw15856/pm-claude-skills/daycare-vs-stay-homeWrote 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/rules/mohitagw15856/pm-claude-skills/daycare-vs-stay-home)<a href="https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/daycare-vs-stay-home"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/daycare-vs-stay-home/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/rules/mohitagw15856/pm-claude-skills/daycare-vs-stay-home"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/daycare-vs-stay-home.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 | $0.00111 | $0.01263 |
| Opus 5 | $0.00056 | $0.00632 |
| Sonnet 5 | $0.00022 | $0.00253 |
| Haiku 4.5 | $0.00011 | $0.00126 |
Grade A, and why
daycare-vs-stay-home 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 9d 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 — 81 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Daycare vs Stay-Home Skill
"Daycare eats my whole salary" is usually computed wrong twice: it compares childcare against gross pay (marginal taxes were eating part of that anyway), and it prices exactly one year of a decision whose costs live in the following decade — the raises not compounded, the re-entry discount, the retirement match not collected. This skill runs both sides honestly: what working nets this year, and what stepping out costs over the horizon. Then it hands the decision back, because the spreadsheet gets a vote, not a veto.
What This Skill Produces
- This year's ledger — second income minus marginal tax, childcare, and work costs, plus the match: the real net, from the script
- The horizon view — earnings forgone over the years out, and the re-entry salary vs. the never-left trajectory
- The middle options — part-time, one-parent-flex, cheaper-care mixes — sketched against the same ledger
- The decision sheet — money on both sides plus the non-financials, with their explicit permission to win
Required Inputs
Ask for these if not provided:
- The second earner's income — and which parent's leaving is actually on the table (the framing "second income" is doing work; make it explicit)
- Childcare cost — per child per month, the real local quote; number of kids and their ages (the cost cliff at school age is the model's built-in expiry date)
- The marginal tax rate — marginal, not average; flag it as verify-yours, and note childcare tax credits/subsidies are jurisdiction-specific and often large
- Career shape — expected raises, how re-entry works in their field (the default penalty is a placeholder; fields differ wildly), and the years-out being considered
Programmatic Helper
python3 scripts/daycare_vs_stay_home.py --income 62000 --daycare 1600
python3 scripts/daycare_vs_stay_home.py --income 62000 --daycare 1600 --kids 2 --marginal-tax 28 --years-out 4 --json
Deterministic. The re-entry penalty default (10%) is a labeled placeholder — research varies widely; set it to the field's reality or treat it as a sensitivity axis.
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.
- 9d ago First seen · 81 lines · 111 tokens per session scan A 5de8eccfc3bd
daycare-vs-stay-home is a cursor rule published in the GitHub repository mohitagw15856/pm-claude-skills (1,357 stars, last pushed yesterday), licensed MIT. It adds 111 tokens to every session and 1,263 once invoked, about $0.0006 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 2026-09-03.
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