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 EliasOulkadi/shokunin --skill financegit clone --depth 1 https://github.com/EliasOulkadi/shokuninWrote 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/eliasoulkadi/shokunin/finance)<a href="https://agentmods.dev/skills/eliasoulkadi/shokunin/finance"><img src="https://agentmods.dev/badge/skills/eliasoulkadi/shokunin/finance/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/eliasoulkadi/shokunin/finance"><img src="https://agentmods.dev/badge/skills/eliasoulkadi/shokunin/finance.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
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 | $0.00051 | $0.02653 |
| Opus 5 | $0.00026 | $0.01326 |
| Sonnet 5 | $0.00010 | $0.00531 |
| Haiku 4.5 | $0.00005 | $0.00265 |
Grade A, and why
finance 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 — 310 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Disclaimer: Educational financial planning information. Not professional financial advice.
Workflow
Follow in order. Skip pillars already covered.
1. Assess Cash Flow
- Calculate real monthly income (take-home after taxes, insurance, retirement)
- Track expenses for 30 days
- Classify into Needs (50%), Wants (30%), Savings (20%)
- Identify surplus or deficit
2. Calculate Net Worth
- List all assets (cash, investments, property, retirement accounts)
- List all liabilities (credit cards, loans, mortgage, student debt)
- Net Worth = Total Assets - Total Liabilities
- Track monthly — direction matters more than the number
3. Eliminate High-Interest Debt
- List all debts with balance, rate, minimum payment
- Choose avalanche (highest rate first) or snowball (smallest balance first)
- Attack with surplus from cash flow
- Debt is emergency if total > 6 months income OR rate > 10%
4. Build Emergency Fund
- Phase 1: $1,000 or 1 month (starter)
- Phase 2: 3-6 months of essential expenses (full)
- Phase 3: 6-12 months (conservative / irregular income)
- Keep in HYSA only. Never invest it.
5. Invest for Retirement
- 401(k) up to employer match → free money
- HSA (if eligible) → triple tax-advantaged
- IRA (Roth or Traditional) → $7,000/yr ($8,000 if 50+)
- 401(k) up to max ($23,500)
- Taxable brokerage → no limits
5-Pillar Framework
1. Cash Flow → Income - Expenses = Surplus
2. Net Worth → Assets - Liabilities = Net Worth
3. Debt → Avalanche or Snowball
4. Emergency → 3-6 months essential expenses in HYSA
5. Invest → Tax-advantaged accounts first
Pillar 1: Budgeting
50/30/20 Rule
| Category | % | Includes |
|---|---|---|
| Needs | 50% | Housing, utilities, groceries, insurance, minimum debt, transport |
| Wants | 30% | Dining, entertainment, subscriptions, travel, shopping |
| Savings | 20% | Emergency fund, retirement, investments, extra debt |
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 · 310 lines · 51 tokens per session scan A d54e4659a3ab
finance is a skill published in the GitHub repository EliasOulkadi/shokunin (113 stars, last pushed 1mo ago), licensed MIT. It adds 51 tokens to every session and 2,653 once invoked, about $0.0003 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 2026-08-30.
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