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 | $0.00014 | $0.00158 |
| Sonnet 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 11d 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.
- 11d 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 5mo ago), licensed Apache-2.0. It adds 28 tokens to every session and 316 once invoked, about $0.0001 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.
Other skills, from other repositories
agent-fintech-engineer
Expert fintech engineer specializing in financial systems, regulatory compliance, and secure transaction processing. Masters banking integrations, payment systems, and building scalable financial technology that meets stringent regulatory requirements.
agent-agentic-payments
Agent skill for agentic-payments - invoke with $agent-agentic-payments.
agent-agentic-payments
Agent skill for agentic-payments - invoke with $agent-agentic-payments.
deep-financial-research
Comprehensive financial research using MCP servers (Exa + Financial Datasets). Includes integrated DCF valuation. Use for deep company analysis, due diligence, valuation, competitive landscape, and investment research workflows.
dcf-valuation
Performs discounted cash flow (DCF) valuation to estimate intrinsic value per share. Uses Financial Datasets MCP for fundamentals. Triggers when user asks for fair value, intrinsic value, DCF, valuation, "what is X worth", undervalued/overvalued, or price target analysis.
grocery-prices
A skill to calculate grocery prices with country-specific taxes.