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-income-change-prepgit 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-income-change-prep)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-income-change-prep"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-income-change-prep/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-income-change-prep"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-income-change-prep.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 | $0.00829 |
| Opus 5 | $0.00045 | $0.00415 |
| Sonnet 5 | $0.00018 | $0.00166 |
| Haiku 4.5 | $0.00009 | $0.00083 |
Grade A, and why
ynab-income-change-prep 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 12d 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 — 90 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB Income Change Prep
What this does
Helps prepare financially for a known or reasonably anticipated upcoming income change — parental leave, layoff risk, retirement, a return to school — by building a dedicated Income Replacement category ahead of time and practicing on the reduced budget before the change actually happens.
When to use this skill
- "I'm going on parental leave, how do I prepare?"
- "I might get laid off"
- "I'm planning to retire in a year"
- "How do I prepare for a pay cut?"
- "Help me plan for reduced income"
Should NOT trigger on: ongoing month-to-month income variability with no
single anticipated change (use ynab-irregular-income-planner), or a
cushion against unnamed/general risk (use ynab-emergency-fund-builder).
Workflow
Step 1: Quantify the gap
Establish the expected reduced income (or $0, for leave/layoff) and how long the reduced period is expected to last. For job-loss risk specifically, treat the duration as unknown and plan conservatively.
Step 2 (if MCP-connected): Establish the real baseline
Call MCP tool: ynab_income_expense — current income/spending baseline
Call MCP tool: ynab_budget_vs_actuals — category-level detail to distinguish trim-able vs. protect
Step 3: Build a dedicated Income Replacement category
Fund it ahead of time, sized to bridge the anticipated gap. This is distinct from the general emergency fund — it's specifically earmarked for this known change.
Step 4: Categorize trim vs. protect
Go category by category: which spending gets cut during the reduced-income period, and which stays protected (housing, insurance, minimum debt payments). For job-loss risk specifically, flag two commonly-missed costs: COBRA/health coverage and job-search expenses — both tend to appear right when income drops, which is exactly the wrong time to discover them.
Step 5: Practice-run the reduced budget
Recommend running the trimmed budget for a few months before the actual change, if there's lead time — this surfaces problems with the plan while there's still full income to patch them.
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.
- 12d ago First seen · 90 lines · 90 tokens per session scan A 7dccafb8db7a
ynab-income-change-prep is a skill published in the GitHub repository auzroz/ynab-mcp (3 stars, last pushed 2mo ago), licensed MIT. It adds 90 tokens to every session and 829 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 2026-08-31.
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