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 R2h1/my-book-skills --skill v07-vsgit clone --depth 1 https://github.com/R2h1/my-book-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/r2h1/my-book-skills/v07-vs)<a href="https://agentmods.dev/skills/r2h1/my-book-skills/v07-vs"><img src="https://agentmods.dev/badge/skills/r2h1/my-book-skills/v07-vs/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/r2h1/my-book-skills/v07-vs"><img src="https://agentmods.dev/badge/skills/r2h1/my-book-skills/v07-vs.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 | $0.00115 | $0.01397 |
| Opus 5 | $0.00057 | $0.00698 |
| Sonnet 5 | $0.00023 | $0.00279 |
| Haiku 4.5 | $0.00012 | $0.00140 |
Grade A, and why
v07-良债vs劣债 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.
What it actually says
良债 vs 劣债：负债本身不分善恶，看你怎么用
R — 原文 (Reading)
从自己的腰包里把钱掏走的债务是劣债，给自己带来金钱的债务是良债；自己无法掌控的负债是劣债，在自己控制范围内运转的负债是良债。
— 金胜镐, 《良债，劣债》
I — 方法论骨架 (Interpretation)
债务不是绝对的恶，关键在于性质——由你"怎么用"决定，而非天生善恶。把负债变成良友的三个条件（缺一即劣债）：
- 不用于消费：绝不借债用于吃喝、旅行、日常开销或"以贷还贷"。
- 有固定收入兜底：你必须有稳定现金流能持续覆盖利息，否则债务"切断活路"。
- ROE > 利息：借来的钱投入的生意/资产回报率，必须高于贷款利率（如3%的贷款买6%收益的楼，还剩3%）。
同时警惕反面：作者年轻时以卡养卡欠债，被银行催款吓得患圆形脱发——劣债（消费、失控）的代价是真实且惨痛的。负债仍然可怕，就像刀具：会用能做出美味，不会用会割到自己。作者自己也承认"无债过度"对经营者是一种失衡，但结论是先用好良债，绝不碰劣债。
A1 — 书中的应用
- 作者年轻时以卡养卡、信用卡逾期被催款，落下心理阴影，此后20年不向银行借一分钱（极端零负债）；后来他反思出良债/劣债之分，承认"该去使用刀具的时候了"。
- 作者用数字论证良债：用年利率3%的贷款购买年利率6%的建筑物，偿还利息后还能剩余3%收益；公司贷款5%建生产线，产品利润30%，剩余25%——这就是良债。
- 作者指出"绝对不能借债"的论调源于不理解负债功能；大企业靠负债（发行公司债）扩张是常态。
A2 — 触发场景 ★
场景：你在考虑贷款买房/买车/创业/装修；你在评估现有债务是否健康；有人推销"借钱生钱"的杠杆玩法；你听说"有钱人都负债"想搞明白该不该效仿。
语言信号：
- "我该贷款买房吗？"
- "负债到底好不好？"
- "信用卡分期/消费贷/网贷能碰吗？"
- "别人都说要加杠杆，我该借吗？"
相邻区分：与"复利双刃剑"（v04）配合——劣债的机制就是债务复利；与"攒钱机制"（v08）配合——剪信用卡是阻断劣债的第一步；本 skill 回答"该不该借、借来干什么"，不替代具体还债规划。
E — 执行步骤
-
对每一笔债打标签：列出你所有负债（房贷/车贷/消费贷/信用卡/网贷），逐笔标注：用途是消费还是投资？利率多少？你能掌控吗？
-
三条件审查：对每笔债跑良债三条件（不消费/现金流覆盖/ROE>利息）。任一不满足 → 标记为劣债，列入"优先清除"清单。
-
先清劣债：按利率从高到低，用 v08 攒钱机制优先还清劣债（高息消费贷/卡债），别用"借新还旧"。
-
决策新债务：再想借新债时，先想清楚它用于什么（只能用于能产生收益的资产）、能否覆盖利息、是否在掌控内——不满足就"不行就算了"（见 v13 的纪律）。
B — 边界 ★
- "良债"不等于"随便借"：前提是现金流能兜底，现金流不稳时再好的机会也是劣债。
- 作者的"零负债"与"良债"两种主张看似矛盾——他只是先远离劣债、成熟后才敢用良债；初学者优先"不背债"更安全。
- 利率/资产回报是动态的：今天算良债，市场变化后可能变劣债，要定期重审。
- 本 skill 不构成金融建议；大额贷款（房贷/创业贷）还应考虑家庭共同决策与风险承受。
审计信息
V1 ✓ / V2 ✓ / V3 ✓
What ships with it
2 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
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 · 67 lines · 115 tokens per session scan A d326d9c94478
v07-良债vs劣债 is a skill published in the GitHub repository R2h1/my-book-skills (2 stars, last pushed 27d ago), licensed MIT. It adds 115 tokens to every session and 1,397 once invoked, about $0.0006 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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