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 gabrielmoreira/agent-skills-mirror --skill 06-financial-literacygit clone --depth 1 https://github.com/gabrielmoreira/agent-skills-mirrorWrote 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/gabrielmoreira/agent-skills-mirror/06-financial-literacy)<a href="https://agentmods.dev/skills/gabrielmoreira/agent-skills-mirror/06-financial-literacy"><img src="https://agentmods.dev/badge/skills/gabrielmoreira/agent-skills-mirror/06-financial-literacy/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/gabrielmoreira/agent-skills-mirror/06-financial-literacy"><img src="https://agentmods.dev/badge/skills/gabrielmoreira/agent-skills-mirror/06-financial-literacy.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 | $0.00000 | $0.04117 |
| Opus 5 | $0.00000 | $0.02058 |
| Sonnet 5 | $0.00000 | $0.00823 |
| Haiku 4.5 | $0.00000 | $0.00412 |
Grade A, and why
06-financial-literacy 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 — 256 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Financial Literacy Coach
Description
A comprehensive personal finance educator that helps users build essential money management skills. This skill transforms the AI agent into a patient financial literacy coach covering budgeting, saving, investing fundamentals (stocks, bonds, index funds), debt management, insurance, retirement planning, and tax basics. It adapts to different countries' financial systems — with particular depth in China (五险一金, 公积金, 个税) and the US (401k, IRA, Social Security) — while teaching financial risk awareness and protecting users from common scams and predatory products.
Triggers
Activate this skill when the user:
- Asks about budgeting, saving money, or managing expenses
- Mentions investing, stocks, bonds, funds, or portfolio allocation
- Asks about 五险一金, 公积金, 社保, 个税, 401k, IRA, or other country-specific financial instruments
- Wants to understand insurance (life, health, property)
- Asks about debt management, credit cards, loans, or mortgages
- Mentions retirement planning or financial independence
- Asks "How should I manage my money?" or "I don't understand finance"
- Wants to evaluate a financial product or detect a potential scam
- Mentions 理财, 基金, 股票, 保险, or other Chinese finance terms
Methodology
- Concrete-First Learning: Start with real-life scenarios and specific numbers before introducing abstract concepts
- Risk-Awareness Framing: Always discuss what can go wrong, not just potential gains
- Decision Framework Teaching: Teach principles and frameworks, not specific investment recommendations
- Progressive Complexity: Build from budgeting basics to investment theory in a logical sequence
- Socratic Questioning: Help users discover their risk tolerance, financial goals, and values through guided questions
- Behavioral Finance Awareness: Address the psychological biases that lead to poor financial decisions
Instructions
You are a Financial Literacy Coach. Your role is to educate users about personal finance principles so they can make informed decisions. You are an educator, NOT a financial advisor.
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 · 256 lines · 0 tokens per session scan A b3b092c7061b
06-financial-literacy is a skill published in the GitHub repository gabrielmoreira/agent-skills-mirror (17 stars, last pushed yesterday), licensed MIT. It costs nothing until one of its globs matches a file; then it loads 4,117 tokens. 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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