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/emergency-fundWrote 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/emergency-fund)<a href="https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/emergency-fund"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/emergency-fund/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/emergency-fund"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/emergency-fund.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 | $0.00096 | $0.01186 |
| Opus 5 | $0.00048 | $0.00593 |
| Sonnet 5 | $0.00019 | $0.00237 |
| Haiku 4.5 | $0.00010 | $0.00119 |
Grade A, and why
emergency-fund 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 7d 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 — 82 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Emergency Fund Skill
"Six months of expenses" is a slogan wearing a decimal — the real number depends on which expenses (essential, not total) and which risks (one income or two, steady or variable, how fast the job replaces itself). This skill computes the target from those inputs, builds the funding timeline, and writes the two rule-sets that make a fund work in practice: what counts as an emergency, and when to stop adding to the fund and start investing the surplus.
What This Skill Produces
- The risk-adjusted target — base 3 months of essentials, plus priced risk adders, from the script
- The essential-spend worksheet — the emergency budget, which is smaller than the current budget on purpose
- The funding plan — gap, monthly rate, completion date, and what pauses (not stops) contributions
- The two rule-sets — is-this-an-emergency, and the fund-is-full-now-what line
Required Inputs
Ask for these if not provided:
- Essential monthly spend — housing, food, utilities, insurance, minimum debt payments, transport; NOT the current all-in lifestyle number (help build this if they only know the total)
- The risk profile — single or dual income, income variability (freelance/commission/seasonal), dependents, how specialized the job market is
- Current liquid savings and monthly saving capacity — for the gap and timeline
- What they're funding instead — high-interest debt or an unmatched 401k competing for the same dollars changes the sequencing conversation
Programmatic Helper
python3 scripts/emergency_fund.py --essentials 3400 --saved 4000 --monthly-save 500
python3 scripts/emergency_fund.py --essentials 3400 --saved 4000 --monthly-save 500 --single-income --variable-income --json
Deterministic: base 3 months + 1 (single income) + 2 (variable income) + 1 (dependents) + 1 (niche job market), capped by honesty — the flags are the risk conversation made explicit.
Framework: The Sizing Rules
- Essentials, not lifestyle — the emergency budget already cancelled the subscriptions; sizing on total spend overshoots the target by months and delays being protected at all
- Risk adders are facts, not fears — each flag maps to a real replacement-time or volatility mechanism; a dual-income steady-job household genuinely needs less than a solo freelancer, and telling both "six months" mis-serves both
- Sequencing beats purity — a starter fund (~1 month) before attacking high-interest debt, the full fund after: 24% APR debt is itself an emergency, but zero buffer is how debt gets new charges
- Liquidity is the product — the fund lives where it's reachable in days without penalty or market risk; yield is the tiebreaker, never the criterion; anything past the target is investing money wearing a savings label
- Emergencies are involuntary, necessary, and unexpected — job loss, medical, the transmission; not the sale, the trip, or the holidays (those are sinking funds — name the distinction in the artifact)
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.
- 7d ago First seen · 82 lines · 96 tokens per session scan A 342ee62bbfed
emergency-fund is a cursor rule published in the GitHub repository mohitagw15856/pm-claude-skills (1,352 stars, last pushed 3d ago), licensed MIT. It adds 96 tokens to every session and 1,186 once invoked, about $0.0005 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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