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 muyuhill/100books-to-skills --skill psychology-of-moneygit clone --depth 1 https://github.com/muyuhill/100books-to-skillsWrote 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/muyuhill/100books-to-skills/psychology-of-money)<a href="https://agentmods.dev/skills/muyuhill/100books-to-skills/psychology-of-money"><img src="https://agentmods.dev/badge/skills/muyuhill/100books-to-skills/psychology-of-money/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/muyuhill/100books-to-skills/psychology-of-money"><img src="https://agentmods.dev/badge/skills/muyuhill/100books-to-skills/psychology-of-money.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 | $0.00061 | $0.02178 |
| Opus 5 | $0.00030 | $0.01089 |
| Sonnet 5 | $0.00012 | $0.00436 |
| Haiku 4.5 | $0.00006 | $0.00218 |
Grade A, and why
psychology-of-money 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 — 194 lines — stays where its author put it; the contents beside it link to each section on GitHub.
The Psychology of Money — 金钱心理学 20 个核心洞察
理财成功与否不是智商的函数，是行为的函数。软技能比技术面更重要。
Morgan Housel 用 20 个故事讲透了人和钱的关系。核心发现：你对金钱的行为方式比你对金钱的知识更重要。
1. 没人疯了（No One's Crazy）
每个人对金钱的决策，都是他们独特人生经历的投影。
一个在大萧条中长大的人和一个在牛市中长大的人，对风险的定义完全不同。你在嘲笑别人"月供占收入 80% 买房"时，他可能从小看着房价翻 50 倍。先理解经历，再评判决策。
2. 运气与风险（Luck & Risk）
任何结果都是个体努力 + 外部力量的总和。而你只看到前者。
比尔·盖茨的成功 = 天才 + 恰好进了一所全美少数有计算机的中学。承认运气的存在不是否定努力，是变得更清醒。关注大样本的模式，而非个例。
3. 永不知足（Never Enough）
最难的理财技能是让目标杆停住。
赚了 100 万想要 500 万，赚了 500 万想要 1000 万——目标杆一直在移动。当你已经赢了的时候还冒险，是最愚蠢的事。没有理由为你不需要的东西冒险失去你已有的东西。
4. 复利的魔力（Confounding Compounding）
巴菲特 845 亿美元净资产中，815 亿是 65 岁以后赚的。
这不是因为他晚年更聪明——是因为他从 10 岁开始。复利的威力不是回报率，是时间。年化 8% 保持 50 年 > 年化 20% 保持 3 年。好的投资不是最高回报的，是你能坚持最久的。
5. 变富 vs 守富（Getting Wealthy vs Staying Wealthy）
变富需要冒险，守富需要谦卑。这是两种完全不同的技能。
变富 = 集中押注 + 乐观 + 执行力。守富 = 分散风险 + 恐惧 + 保守。大多数破产案例不是赚不到钱，是赚到之后守不住。生存是第一要务。
6. 长尾法则（Tails, You Win）
少数几次成功会主导全部结果。
你买的 10 只股票里有 8 只平平、1 只亏光、1 只翻 10 倍——后者让你整体赚钱。风险投资、创业、甚至你的职业生涯都遵循这个规律。接受大多数尝试会失败——你需要的是那一次巨大的成功。
7. 自由（Freedom）
金钱的最高形式是：掌控自己的时间。
比大房子、跑车更重要的是：能随时辞掉讨厌的工作、能睡到自然醒、能说不。用钱买到的最大奢侈品不是东西，是"我不需要"。
8. 豪车悖论（Man in the Car Paradox）
你看到有人开法拉利，你羡慕的不是那个人——你羡慕的是"如果我能开法拉利"。
你以为开豪车别人会高看你，其实别人想的是"我开这车会怎样"。没人像你想象中那样关注你。真正的尊重来自品格和成就，不是东西。
9. 真正的财富看不见（Wealth is What You Don't See）
财富是你没有花掉的钱。富人和看起来有钱的人不是同一种人。
开宝马的人可能月供占了收入一半。开丰田的人可能账户里有 200 万。你在社交媒体上看到的是消费，不是财富。真正的财富是那些没有买的东西——存在银行里、投资在市场里的钱。
10. 存钱（Save Money）
你不用有一个具体的目标才存钱。存钱本身就是意义。
收入不高也能存钱——存钱率比收入更重要。一个赚 5 万存 2 万的人比赚 20 万花光的人更富。存钱 = 给你未来的自己选择权。
11. 合理 > 理性（Reasonable > Rational）
你不是 Excel 表格。情绪舒适比数学最优更重要。
从数学角度，最优策略是永远不卖股票。但从睡眠角度，保持 60% 现金让你每晚睡得着——后者才是对的。一个好的决定必须是你能坚持的决定。
12. 意外（Surprise!）
历史是研究变化的学问——这就是为什么用历史预测未来很讽刺。
从未发生过的事一直在发生。2008 年金融危机、2020 年疫情——历史没有教你怎么应对这些。投资不是因为你知道未来会怎样，而是因为你不知道。留足犯错空间。
13. 容错空间（Room for Error）
预测未来是一回事，为预测错误留余地是另一回事。
你不会在高速公路上开到没油才找加油站。同样，别把投资押注到"刚好够"——留 30% 的容错空间。悲观计划，乐观生活。
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 · 194 lines · 61 tokens per session scan A 14e9b04dfc24
psychology-of-money is a skill published in the GitHub repository muyuhill/100books-to-skills (12 stars, last pushed 2mo ago), licensed MIT. It adds 61 tokens to every session and 2,178 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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