v07-收入分配法(50-40-10)

v07-收入分配法(50-40-10) is a skill for Claude Code, Codex from R2h1/my-book-skills. It costs 51 tokens per session (759 once invoked), scanned A, original, MIT.

A budgeting rule that divides income into 50% for long-term savings or investing, 40% for named goals, and 10% for everyday treats.

In plain words
What is it for?
Use it after receiving a salary, bonus, or other income, especially when you want to save but do not know how to divide the money.
Why use it?
It removes repeated spending decisions by giving each part of your income a fixed purpose before you start spending.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one.

Good fit Use it after receiving a salary, bonus, or other income, especially when you want to save but do not know how to divide the money.

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Install with agentmods
npx agentmods add skills/r2h1/my-book-skills/v07-50-40-10
Install

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.

Any agent
npx skills add R2h1/my-book-skills --skill v07-50-40-10
Clone the repo
git clone --depth 1 https://github.com/R2h1/my-book-skills

Made for: Claude Code, Codex.

Wrote 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.

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README.md
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Per session 51 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 759 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

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.

ModelPer sessionOnce invoked
Fable 5.1 $0.00051 $0.00759
Opus 5 $0.00026 $0.00380
Sonnet 5 $0.00010 $0.00152
Haiku 4.5 $0.00005 $0.00076

Measured 12d ago against content hash 1878544a3e6c, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

v07-收入分配法(50-40-10) 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.

小狗钱钱/v07-收入分配法(50-40-10)/SKILL.md · 51 lines

What it actually says

收入分配法(50/40/10)

R(核心引文)

"如果你总是把十分之一的钱变成鹅,那么你一定会变得富有。但如果你想有一天真的很有钱的话,你存的比例可能得再高一些。我养成了一个习惯,总是把我收入的二分之一变成我的鹅。"

"我已经想好怎么分配我的钱了,我也要把二分之一的收入变成我的鹅。40% 放入我的梦想储蓄罐,剩下的 10%用来花。"

I(底层原理)

强制分配比随意管理更有效。人的意志力是有限资源,每次消费都需要决策会消耗大量意志力。固定比例分配法将决策自动化:50%养鹅保障未来,40%梦想激励当下,10%零花满足即时需求。这个结构兼顾了长期、中期和短期目标。

A1(过去应用)

吉娅从金先生那里学到这个方法后严格执行。即使只有74马克,她也按50%(37马克)存鹅、40%(29.6马克)放入梦想罐、10%(7.4马克)零花。随着收入增长到每月1080马克,她仍坚持同一比例,鹅迅速长大。

A2(未来触发场景)

  • 每月发工资时(先分配再消费)
  • 收到任何额外收入时(奖金、红包、副业收入)
  • 觉得"钱不够花"但又不知道钱去哪了时
  • 想开始储蓄但不知道怎么分配时

E(执行步骤)

  1. 发工资/收入到账时立即执行分配(先分配再消费)
  2. 50%转入鹅账户(储蓄/投资账户,绝对不动)
  3. 40%转入梦想账户(可设多个子目标)
  4. 10%留作零花钱(可以毫无愧疚地花掉)
  5. 比例可调整但必须坚持储蓄:最低10%起,建议50%

B(边界与局限)

极端情况下(如收入过低无法覆盖基本生活),50%储蓄率可能不现实。此时先以10%起步,把重点放在提高收入上。分配法针对可支配收入而非总收入——如果收入连基本吃住都不够,先解决生存再谈分配。

相关技能

Changes

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.

  1. 12d ago First seen · 51 lines · 51 tokens per session scan A 1878544a3e6c

Subscribe to this mod's changes

v07-收入分配法(50-40-10) is a skill published in the GitHub repository R2h1/my-book-skills (2 stars, last pushed 27d ago), licensed MIT. It adds 51 tokens to every session and 759 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 2026-08-31.