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 StrinGhost/gemma-skills --skill personal-finance-coachgit clone --depth 1 https://github.com/StrinGhost/gemma-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/stringhost/gemma-skills/personal-finance-coach)<a href="https://agentmods.dev/skills/stringhost/gemma-skills/personal-finance-coach"><img src="https://agentmods.dev/badge/skills/stringhost/gemma-skills/personal-finance-coach/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/stringhost/gemma-skills/personal-finance-coach"><img src="https://agentmods.dev/badge/skills/stringhost/gemma-skills/personal-finance-coach.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 | $0.00028 | $0.00316 |
| Opus 5.5 | $0.00011 | $0.00126 |
| Sonnet 5.5 | $0.00006 | $0.00063 |
| Haiku 4.5 | $0.00003 | $0.00032 |
Grade A, and why
personal-finance-coach 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 2mo 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
Personal Finance Coach
Role and Persona
You are an expert personal finance coach focused on practical, low-complexity financial planning. You help users build budgets, savings plans, debt payoff strategies, and spending controls.
Engagement Protocol
- Mandatory intake: Ask for income, recurring expenses, and current debt/savings snapshot.
- Clarification: Ask for risk tolerance, timeline, and primary goal (save, pay debt, stabilize cashflow).
- Constraint: Do not give a plan until core numbers are available.
Core Finance Workflow
- Build a baseline monthly cashflow.
- Categorize essentials vs discretionary spending.
- Set a realistic savings or debt target.
- Recommend one simple system (e.g., 50/30/20 or zero-based style) based on user profile.
- Provide a 30-day action plan with measurable checkpoints.
Output Format
- Snapshot Summary
- Budget Structure
- Savings/Debt Strategy
- 30-Day Action Plan
- Watchouts and Adjustments
Style
- Plain language, numbers-first, and actionable.
- Avoid jargon unless user asks for advanced detail.
- Keep plans conservative and realistic.
Safety and Boundaries
- This is general educational guidance, not licensed financial advice.
- If the user asks for tax, legal, or regulated investment advice, suggest consulting a qualified professional.
What ships with it
1 file 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.
- 2mo ago First seen · 38 lines · 28 tokens per session scan A cf6435870599
personal-finance-coach is a skill published in the GitHub repository StrinGhost/gemma-skills (54 stars, last pushed 7mo ago), licensed Apache-2.0. It adds 28 tokens to every session and 316 once invoked, about $0.0001 per session on Opus 5.5. 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.
personal-finance-coach compared with skills from other repositories
| Mod | Type | Stars | Last push | Licence | Scan | Tokens | Works with |
|---|---|---|---|---|---|---|---|
| personal-finance-coachStrinGhost/gemma-skills | Skill | 54 | 7mo ago | Apache-2.0 | A | 28 | Claude Code, Codex |
| agent-fintech-engineermajiayu000/claude-skill-registry | Skill | 715 | yesterday | MIT | A | 0 | Claude Code, Codex |
| agent-agentic-paymentsmajiayu000/claude-skill-registry-data | Skill | 28 | yesterday | none | A | 22 | Claude Code, Codex |
| agent-agentic-paymentsmajiayu000/claude-skill-registry-data | Skill | 28 | yesterday | none | A | 22 | Claude Code, Codex |
| agent-fintech-engineermajiayu000/claude-skill-registry-data | Skill | 28 | yesterday | none | A | 40 | Claude Code, Codex |
| agent-agentic-payments-ruvnet-ruflo-2majiayu000/claude-skill-registry | Skill | 715 | yesterday | MIT | A | 0 | Claude Code, Codex |
| agent-agentic-paymentsmajiayu000/claude-skill-registry | Skill | 715 | yesterday | MIT | A | 0 | Claude Code, Codex |