Longbridge Research
helsome/folio
Institution ratings, consensus price targets, EPS/revenue forecasts, finance calendar, shareholder data, fund holders, insider trades (SEC Form 4), short interest, industry rankings, peer group…
Personal finance planning — 5-pillar framework (cash flow, net worth, debt, emergency fund, investing), tax optimization, insurance review, retirement planning (FIRE, 4% rule, Mega Backdoor Roth)…
$ npx skills add EliasOulkadi/shokunin --skill finance -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install EliasOulkadi/shokunin finance --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/EliasOulkadi/shokunin.git skills-src && mkdir -p .claude/skills && cp -r skills-src/.pack/skills/finance .claude/skills/finance && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "finance" agent skill from https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/finance into .claude/skills/finance/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/financeType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add EliasOulkadi/shokunin --skill finance -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install EliasOulkadi/shokunin finance --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/EliasOulkadi/shokunin.git skills-src && mkdir -p .agents/skills && cp -r skills-src/.pack/skills/finance .agents/skills/finance && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "finance" agent skill from https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/finance into .agents/skills/finance/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add EliasOulkadi/shokunin --skill finance -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install EliasOulkadi/shokunin finance --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/EliasOulkadi/shokunin.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/.pack/skills/finance .cursor/skills/finance && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "finance" agent skill from https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/finance into .cursor/skills/finance/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/EliasOulkadi/shokunin.git --path .pack/skills/finance--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add EliasOulkadi/shokunin --skill finance -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install EliasOulkadi/shokunin finance --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/EliasOulkadi/shokunin.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/.pack/skills/finance .gemini/skills/finance && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "finance" agent skill from https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/finance into .gemini/skills/finance/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install EliasOulkadi/shokunin financeInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add EliasOulkadi/shokunin --skill finance -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/EliasOulkadi/shokunin.git skills-src && mkdir -p .github/skills && cp -r skills-src/.pack/skills/finance .github/skills/finance && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "finance" agent skill from https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/finance into .github/skills/finance/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add EliasOulkadi/shokunin --skill finance -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install EliasOulkadi/shokunin finance --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/EliasOulkadi/shokunin.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/.pack/skills/finance .opencode/skills/finance && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "finance" agent skill from https://github.com/EliasOulkadi/shokunin/tree/master/.pack/skills/finance into .opencode/skills/finance/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
financePersonal finance planning — 5-pillar framework (cash flow, net worth, debt, emergency fund, investing), tax optimization, insurance review, retirement planning (FIRE, 4% rule, Mega Backdoor Roth)…
Finance is an agent skill from EliasOulkadi/shokunin. Personal finance planning — 5-pillar framework (cash flow, net worth, debt, emergency fund, investing), tax optimization, insurance review, retirement planning (FIRE, 4% rule, Mega Backdoor Roth), and document retention.
Its SKILL.md is about 2.5k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts. Compatibility notes: opencode
It sits in Business, Finance & HR, covering Budgeting and forecasting. The repository describes itself as: 職人 Shokunin 62 AI agent skills for OpenCode, Claude Code, Cursor, Windsurf. ChromaDB memory, MCP servers, declarative self-updates. Multi-model, open source, zero cost. The licence is MIT.
5 steps, taken from the step headings in SKILL.md.
Read from SKILL.md and the folder at commit 4c68e5b. It shows what the files ask for, not the result of running them.
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
opencode
From compatibility in the SKILL.md frontmatter.
Finance loads about 2.5k tokens when it runs. Until then it costs about 57 tokens; SKILL.md has 1,067 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
The full file from EliasOulkadi/shokunin at commit 4c68e5b, republished under its MIT licence (© EliasOulkadi). 1,067 words, ~2,474 tokens.
.claude/skills/finance/SKILL.md (or your agent's skills folder).Disclaimer: Educational financial planning information. Not professional financial advice.
Follow in order. Skip pillars already covered.
1. Cash Flow → Income - Expenses = Surplus
2. Net Worth → Assets - Liabilities = Net Worth
3. Debt → Avalanche or Snowball
4. Emergency → 3-6 months essential expenses in HYSA
5. Invest → Tax-advantaged accounts first| Category | % | Includes |
|---|---|---|
| Needs | 50% | Housing, utilities, groceries, insurance, minimum debt, transport |
| Wants | 30% | Dining, entertainment, subscriptions, travel, shopping |
| Savings | 20% | Emergency fund, retirement, investments, extra debt |
| Method | Best for |
|---|---|
| 50/30/20 | Beginners |
| Zero-based | Detail-oriented |
| Envelope | Overspenders |
| Pay-yourself-first | Savers |
| Strategy | Approach | Best for |
|---|---|---|
| Avalanche | Extra to highest interest rate | Mathematically optimal |
| Snowball | Extra to smallest balance | Psychological wins |
Debt is emergency if: total > 6 months income OR interest rate > 10%
| Phase | Amount | When |
|---|---|---|
| Starter | $1,000 or 1 month | While paying off debt |
| Full | 3-6 months essential expenses | After debt free |
| Conservative | 6-12 months | Irregular income, self-employed |
Where: High-yield savings account (HYSA). Never invested.
| Account | Limit |
|---|---|
| 401(k) elective deferral | $23,500 ($31,000 with catch-up 50+) |
| IRA | $7,000 ($8,000 catch-up 50+) |
| HSA (individual) | $4,300 |
| HSA (family) | $8,550 |
| HSA catch-up (55+) | $1,000 |
| Mega Backdoor Roth (after-tax 401k) | $69,000 total (incl. employer) |
- US total market (VTI / FSKAX): 60-70%
- International (VXUS): 20-30%
- US bonds (BND / FXNAX): 10-20% (age - 20 = bond %)Target expense ratio: 0.03-0.07%. Rebalance annually.
| Age | 30 | 35 | 40 | 45 | 50 | 55 | 60 | 65 |
|---|---|---|---|---|---|---|---|---|
| 1x salary | 2x | 3x | 4x | 5x | 6x | 7x | 10x |
Pro-rata rule does NOT apply to 401(k) after-tax → Roth conversions
Pro-rata rule: if you have other Traditional IRA balances, conversion is partially taxable Fix: roll Trad IRA into 401(k) before converting
| Strategy | Impact |
|---|---|
| Max HSA ($4,300 / $8,550) | Triple tax-free |
| Max Trad IRA deduction | Reduces AGI |
| Tax-loss harvesting | Offset gains + $3,000/yr income |
| Mega Backdoor Roth | After-tax → Roth, up to $69,000 |
| Health insurance (self-employed) | Above-the-line deduction |
Itemize only if deductions exceed standard.
| Type | What to check |
|---|---|
| Health | Deductible, OOP max, HSA eligibility |
| Auto/Home | Liability ≥ $300K, umbrella if NW > $500K |
| Life | Term only (never whole/universal). 10-12x income, 20-30yr term |
| Disability | Own-occupation, covers 60% income |
| Document | Keep |
|---|---|
| Tax returns + supporting docs | 7 years |
| W-2s | Until Social Security claimed |
| Bank/credit card statements | 1 year (unless tax-related) |
| Investment statements | Until sold |
| Real estate closing | Until sold + 7 years |
| Estate docs (will, trust) | Permanent |
| Loan documents | Until paid + 7 years |
| Scenario | Cause | Mitigation |
|---|---|---|
| Negative cash flow | Budget > income | Cut wants first, then needs; increase income |
| Emergency fund not growing | No budget surplus | Revisit 50/30/20; automate transfers on payday |
| Debt increasing despite payments | Interest outpaces principal | Avalanche to highest rate; consider consolidation |
| Investment losses panic | Market volatility | Rebalance annually, not on news; stay the course |
| Backdoor Roth pro-rata tax | Traditional IRA balance exists | Roll Trad IRA into 401(k) before converting |
| HSA ineligible | HDHP not satisfied | Verify HDHP minimums; switch plans at open enrollment |
| Tax bill surprise | Underwithheld | Adjust W-4; make estimated quarterly payments |
| Anti-pattern | Fix |
|---|---|
| Budgeting every dollar without buffer | Leave 5-10% buffer for variable expenses |
| Investing before emergency fund | 3-6 months in HYSA first |
| Whole life insurance | Term life only. Invest the difference. |
| Timing the market | Time in market beats timing the market |
| No tax diversification | Mix of pre-tax, Roth, and taxable accounts |
| Credit card debt as normal | Pay in full every month |
| No will / estate plan | Everyone needs will + healthcare directive + POA |
| Chasing returns / stock picking | 3-fund index portfolio, rebalance annually |
| Over-insuring (multiple whole life, annuities) | Term life + umbrella only |
| Keeping too much cash (outside emergency fund) | Invest surplus beyond 6-12 months expenses |
© EliasOulkadi, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Just SKILL.md in .pack/skills/finance of EliasOulkadi/shokunin.
Open the folder on GitHubat commit 4c68e5b
Finance next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Finance this skillEliasOulkadi/shokunin | 114 | — | ~2.5k | Automated safety check: Pass | MIT | |
| Longbridge Researchhelsome/folio | 271 | 3 repos | ~2.1k | Automated safety check: Pass | MIT | |
| Bet SizingJoelLewis/finance_skills | 206 | — | ~2.5k | Automated safety check: Pass | MIT | |
| Cre Asset Managementahacker-1/cre-agent-skills | 113 | — | ~1.8k | Automated safety check: Pass | Apache-2.0 | |
| Dd LogsDataDog/pup | 1k | — | ~1.3k | Automated safety check: Pass | Apache-2.0 | |
| Cash Flow ForecastWellApp-ai/Well | 345 | — | ~567 | Automated safety check: Pass | MIT |
helsome/folio
Institution ratings, consensus price targets, EPS/revenue forecasts, finance calendar, shareholder data, fund holders, insider trades (SEC Form 4), short interest, industry rankings, peer group…
JoelLewis/finance_skills
Determine how much capital to allocate to individual positions within a portfolio.
ahacker-1/cre-agent-skills
CRE Asset Management analysis suite — 9 specialist skills for post-acquisition multifamily operations including annual budgeting, monthly variance analysis, rent collection, renewal decisions…
DataDog/pup
Log management - search, pipelines, archives, and cost control.
WellApp-ai/Well
Forecast cash flow and runway for a Well workspace from booked invoices and collected bank transactions.
sandbaseai/sandbase-skills
Create a 30/60/90-day cash-flow forecast from AR, AP, opening cash, payment timing, and fixed-cost data.
EliasOulkadi/shokunin
Design CI/CD pipelines for GitHub Actions, GitLab CI, and CircleCI with matrix builds, test sharding, caching, Docker layer caching, OIDC auth, deployment strategies (rolling, blue-green, canary)…
EliasOulkadi/shokunin
Build production-grade components for React, Vue 3, and Svelte 5 with all states (loading, empty, error, success, idle), TypeScript strict, WCAG 2.2 accessibility, server components (RSC), and…
EliasOulkadi/shokunin
PostgreSQL database administration — backup/restore (pgdump, PITR, WAL archiving), health monitoring (connections, bloat, cache hit ratio, dead tuples), connection pooling (PgBouncer), replication…
EliasOulkadi/shokunin
Design database schemas with Prisma/Drizzle, PostgreSQL index strategy (B-tree, GIN, GiST, BRIN, Hash), query optimization (EXPLAIN ANALYZE), migration safety (expand/contract, zero-downtime), and…
EliasOulkadi/shokunin
Optimize Docker images with multi-stage builds, distroless bases, BuildKit cache mounts, multi-arch builds, compose watch, security hardening (non-root, seccomp, capabilities drop), and…
EliasOulkadi/shokunin
Design error handling, structured logging, and observability with OpenTelemetry (traces, metrics, logs), error classification, recovery patterns (retry with jitter, circuit breaker, bulkhead…
Categories
Personal finance planning — 5-pillar framework (cash flow, net worth, debt, emergency fund, investing), tax optimization, insurance review, retirement planning (FIRE, 4% rule, Mega Backdoor Roth)…. Finance is an agent skill from EliasOulkadi/shokunin. Personal finance planning — 5-pillar framework (cash flow, net worth, debt, emergency fund, investing), tax optimization, insurance review, retirement planning (FIRE, 4% rule, Mega Backdoor Roth), and document retention.
Finance fits situations like: tasks that involve Budgeting and forecasting.
Run `npx skills add EliasOulkadi/shokunin --skill finance -a claude-code`. Or copy the skill folder (.pack/skills/finance in EliasOulkadi/shokunin) into .claude/skills/finance in your project. Claude Code loads it when a task matches its description.
Run `npx skills add EliasOulkadi/shokunin --skill finance -a codex`. Or copy the skill folder (.pack/skills/finance in EliasOulkadi/shokunin) into .agents/skills/finance in your project. Codex loads it when a task matches its description.
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add EliasOulkadi/shokunin --skill finance -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/finance, .gemini/skills/finance, .github/skills/finance and .opencode/skills/finance in your project.
SKILL.md names no scripts, command-line tools or credentials: Finance is instructions for the agent only. Compatibility (from SKILL.md): opencode.
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
Finance is published under the MIT licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.
About 2.5k tokens (SKILL.md is roughly 9.9k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
Skills that share tags, products or a category with Finance: Longbridge Research (helsome/folio, 271 stars), Bet Sizing (JoelLewis/finance_skills, 206 stars), Cre Asset Management (ahacker-1/cre-agent-skills, 113 stars) and Dd Logs (DataDog/pup, 1k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
EliasOulkadi (a GitHub user) maintains it in EliasOulkadi/shokunin, which has 114 GitHub stars. The repository holds 49 skills in this directory. The repository was last updated on October 5, 2026.
Source: EliasOulkadi/shokunin on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.