Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add auzroz/ynab-mcp --skill ynab-first-budget-setupgit clone --depth 1 https://github.com/auzroz/ynab-mcpWrote 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/skills/auzroz/ynab-mcp/ynab-first-budget-setup)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-first-budget-setup"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-first-budget-setup/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/skills/auzroz/ynab-mcp/ynab-first-budget-setup"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-first-budget-setup.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 | $0.00090 | $0.00881 |
| Opus 5.5 | $0.00036 | $0.00352 |
| Sonnet 5.5 | $0.00018 | $0.00176 |
| Haiku 4.5 | $0.00009 | $0.00088 |
Grade A, and why
ynab-first-budget-setup 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 2mo 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 — 94 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB First Budget Setup
What this does
Walks a brand-new user through structuring their very first budget: picking a category-group pattern that fits how they think, choosing the right level of detail to start with, and avoiding the most common beginner traps (too many categories, trying to run all Four Rules on day one).
When to use this skill
- "I just signed up for YNAB, where do I start?"
- "How should I set up categories?"
- "How many categories should I have?"
- "Should I track every subscription separately?"
- "I'm overwhelmed setting up my budget"
Should NOT trigger on: allocating money into an existing, mature category
structure (use ynab-assign-money), or explaining the underlying philosophy
first (use ynab-budgeting-foundations if the person doesn't yet buy into
budgeting at all).
Workflow
Step 1: Pick a category-group pattern
Walk through YNAB's three beginner patterns and let the person choose whichever fits how they naturally think about money — there's no single correct answer:
- Mandatory & Optional — split every category into "must-pay" vs. "nice-to-have" groups.
- Themed Budget — group by life area (Home, Auto, Kids, Fun).
- Pin It to the Paycheck — group by which paycheck/pay period covers it.
Step 2: Set the right level of detail
Recommend starting around 15-25 categories, not more. Explain that new categories should "earn their way in" as real spending reveals a genuine gap — not be pre-built for every hypothetical expense. Over-detailed budgets are a top reason new users quit within the first month.
Step 3: Sequence the rules
Explicitly recommend NOT trying to apply all Four Rules simultaneously in month one. Start with Give Every Dollar a Job only; layer in True Expenses, Roll With the Punches, and Age of Money as the budget matures over the following months.
Step 4 (if MCP-connected): Build the chosen structure
If the ynab-mcp server is connected, offer to build it directly:
Call MCP tool: ynab_list_categories — to see what already exists
Call MCP tool: ynab_create_category_group and ynab_create_category — to build the chosen structure, one group at a time, with confirmation before each write
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.
- 2mo ago First seen · 94 lines · 90 tokens per session scan A e6a3fd007536
ynab-first-budget-setup is a skill published in the GitHub repository auzroz/ynab-mcp (4 stars, last pushed today), licensed MIT. It adds 90 tokens to every session and 881 once invoked, about $0.0004 per session on Opus 5.5. 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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