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Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment.
Install Student Money Four Buckets
$ npx skills add FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install FAIRY123456789/human-edge-agent-skills student-money-four-buckets --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/FAIRY123456789/human-edge-agent-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/student-money-four-buckets .claude/skills/student-money-four-buckets && 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 "student-money-four-buckets" agent skill from https://github.com/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-buckets into .claude/skills/student-money-four-buckets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-money-four-buckets", 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/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-bucketsType 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 FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install FAIRY123456789/human-edge-agent-skills student-money-four-buckets --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FAIRY123456789/human-edge-agent-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/student-money-four-buckets .agents/skills/student-money-four-buckets && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "student-money-four-buckets" agent skill from https://github.com/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-buckets into .agents/skills/student-money-four-buckets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-money-four-buckets", 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 FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install FAIRY123456789/human-edge-agent-skills student-money-four-buckets --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FAIRY123456789/human-edge-agent-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/student-money-four-buckets .cursor/skills/student-money-four-buckets && 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 "student-money-four-buckets" agent skill from https://github.com/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-buckets into .cursor/skills/student-money-four-buckets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-money-four-buckets", 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/FAIRY123456789/human-edge-agent-skills.git --path skills/student-money-four-buckets--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 FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install FAIRY123456789/human-edge-agent-skills student-money-four-buckets --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FAIRY123456789/human-edge-agent-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/student-money-four-buckets .gemini/skills/student-money-four-buckets && 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 "student-money-four-buckets" agent skill from https://github.com/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-buckets into .gemini/skills/student-money-four-buckets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-money-four-buckets", 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 FAIRY123456789/human-edge-agent-skills student-money-four-bucketsInstalls 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 FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/FAIRY123456789/human-edge-agent-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/student-money-four-buckets .github/skills/student-money-four-buckets && 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 "student-money-four-buckets" agent skill from https://github.com/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-buckets into .github/skills/student-money-four-buckets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-money-four-buckets", 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 FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install FAIRY123456789/human-edge-agent-skills student-money-four-buckets --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FAIRY123456789/human-edge-agent-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/student-money-four-buckets .opencode/skills/student-money-four-buckets && 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 "student-money-four-buckets" agent skill from https://github.com/FAIRY123456789/human-edge-agent-skills/tree/main/skills/student-money-four-buckets into .opencode/skills/student-money-four-buckets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-money-four-buckets", 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.
Facts
- Skill name
student-money-four-buckets- GitHub stars
- 103
- Token cost
- ~716 tokens
- SKILL.md length
- 308 words
- Files
- 3 (incl. references)
- Skills in repo
- 18
- Repo updated
- First seen
- Licence
- MIT
At a glance
Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment.
- Works in 4 steps: Essentials — 50%: meals, basic… → Uncertainty buffer — 15%: irregular but… → Reserve and future growth — 25%:… → …
- Overspending diagnosis
- SKILL.md covers Important note, Four layers, Workflow and Output
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Student Money Four Buckets is an agent skill from FAIRY123456789/human-edge-agent-skills. Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment. Use for budgeting, overspending diagnosis, monthly allowance planning, saving goals, or deciding how much can be safely spent on entertainment without pretending student life should contain zero fun. Do not use it for personalized investment selection.
Its SKILL.md is about 720 tokens, which your agent loads only when the skill is triggered. The skill folder holds 3 other files, including reference files (for example `README.md` and `references/adaptive-ratios.md`).
It sits in Business, Finance & HR, covering Budgeting and forecasting. The repository describes itself as: 18 portable Agent Skills for voice-native AI, human judgment, microbets, social tact, writing, life systems, and safe deployment. The licence is MIT.
When your agent uses it
- Overspending diagnosis
- Monthly allowance planning
- Deciding how much can be safely spent on entertainment without pretending student life should contain zero fun
- Personalized investment selection
Example prompts
- “/student-money-four-buckets”
Workflow steps
4 steps, taken from the first numbered list in SKILL.md.
- Essentials — 50%: meals, basic transport, phone and data, basic study needs, ordinary daily necessities.
- Uncertainty buffer — 15%: irregular but plausible costs such as medical copays, repairs, travel changes, replacement items, social…
- Reserve and future growth — 25%: emergency reserve, future tuition, exam, or travel plans, skill development, and long-term saving. Avoid…
- Non-essential enjoyment — 10%: entertainment, small treats, hobbies, optional social spending, and low-stakes experiences.
What it can do on your machine
Read from SKILL.md and the folder at commit 31a0a16. It shows what the files ask for, not the result of running them.
Tool permissions
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.
Runs code
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.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Student Money Four Buckets loads about 716 tokens when it runs, and up to ~979 if it reads all its reference files. Until then it costs about 119 tokens; SKILL.md has 308 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.
Safety
Auto-check passed
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.
SKILL.md
The full file from FAIRY123456789/human-edge-agent-skills at commit 31a0a16, republished under its MIT licence (© FAIRY123456789). 308 words, ~716 tokens.
Download SKILL.mdSave it as
.claude/skills/student-money-four-buckets/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.- name
- student-money-four-buckets
- description
- Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment. Use for budgeting, overspending diagnosis, monthly allowance planning, saving goals, or deciding how much can be safely spent on entertainment without pretending student life should contain zero fun. Do not use it for personalized investment selection.
- license
- MIT
- metadata.author
- Joy T <101039451+FAIRY123456789@users.noreply.github.com>
- metadata.tags
- budgeting, students, financial-literacy
Student Money Four Buckets
Budgeting should make student life more stable, not joyless.
Important note
The public Skill uses adaptive bands, not a claimed universal ratio. The author's earlier exact personal percentages were not reliably recoverable, so this version does not fabricate them.
Four layers
Use the default public starting point only when the user has no better historical data:
- Essentials — 50%: meals, basic transport, phone and data, basic study needs, ordinary daily necessities.
- Uncertainty buffer — 15%: irregular but plausible costs such as medical copays, repairs, travel changes, replacement items, social obligations, or temporary price spikes.
- Reserve and future growth — 25%: emergency reserve, future tuition, exam, or travel plans, skill development, and long-term saving. Avoid leverage and borrowed-money investing.
- Non-essential enjoyment — 10%: entertainment, small treats, hobbies, optional social spending, and low-stakes experiences.
Treat these as a starting model. Read references/adaptive-ratios.md before finalizing a plan.
Workflow
- Ask for monthly income or allowance and whether housing is already covered.
- Separate fixed essentials from optional spending using the last 1–3 months when available.
- Protect essentials first.
- Build a buffer before increasing discretionary spending.
- Preserve a deliberate fun layer unless the user is in a genuine short-term cash emergency.
- Move unused fun or buffer money into reserve at month end instead of forcing spending.
- If the user repeatedly overspends one category, change the system: weekly caps, separate accounts, friction before payment, or fewer high-cost occasions.
- Do not recommend day trading, leverage, borrowing to invest, or speculative concentration to a student with limited cash reserves.
- If the user asks about specific investments, clearly separate budgeting from investment selection and account for local regulation, fees, liquidity, risk tolerance, and time horizon.
Output
Return a simple monthly allocation table, a weekly discretionary number, one overspending control rule, and one month-end review question.
© FAIRY123456789, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 2 other files (references) in skills/student-money-four-buckets of FAIRY123456789/human-edge-agent-skills.
- SKILL.md
- README.md
- references/adaptive-ratios.md
Open the folder on GitHubat commit 31a0a16
Compare with similar skills
Student Money Four Buckets 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 |
|---|---|---|---|---|---|---|
| Student Money Four Buckets this skillFAIRY123456789/human-edge-agent-skills | 103 | — | ~716 | 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 |
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Related
Categories
Questions about Student Money Four Buckets
What does Student Money Four Buckets do?
Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment. Student Money Four Buckets is an agent skill from FAIRY123456789/human-edge-agent-skills. Help university students allocate a common monthly living allowance into four practical layers: essentials, uncertainty buffer, long-term reserve and growth, and deliberate non-essential enjoyment.
When should I use Student Money Four Buckets?
Student Money Four Buckets fits situations like: overspending diagnosis; monthly allowance planning; deciding how much can be safely spent on entertainment without pretending student life should contain zero fun; personalized investment selection.
How do I install Student Money Four Buckets in Claude Code?
Run `npx skills add FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a claude-code`. Or copy the skill folder (skills/student-money-four-buckets in FAIRY123456789/human-edge-agent-skills) into .claude/skills/student-money-four-buckets in your project. Claude Code loads it when a task matches its description.
How do I install Student Money Four Buckets in Codex?
Run `npx skills add FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a codex`. Or copy the skill folder (skills/student-money-four-buckets in FAIRY123456789/human-edge-agent-skills) into .agents/skills/student-money-four-buckets in your project. Codex loads it when a task matches its description.
Can I use Student Money Four Buckets in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add FAIRY123456789/human-edge-agent-skills --skill student-money-four-buckets -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/student-money-four-buckets, .gemini/skills/student-money-four-buckets, .github/skills/student-money-four-buckets and .opencode/skills/student-money-four-buckets in your project.
What does Student Money Four Buckets need to run?
SKILL.md names no scripts, command-line tools or credentials: Student Money Four Buckets is instructions for the agent only.
Does Student Money Four Buckets access the network?
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.
Is Student Money Four Buckets safe to install?
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.
What licence does Student Money Four Buckets use?
Student Money Four Buckets is published under the MIT licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Student Money Four Buckets use?
About 716 tokens (SKILL.md is roughly 2.9k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 263 tokens, read only when the agent opens those files.
What are the alternatives to Student Money Four Buckets?
Skills that share tags, products or a category with Student Money Four Buckets: 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.
Who maintains Student Money Four Buckets?
FAIRY123456789 (a GitHub user) maintains it in FAIRY123456789/human-edge-agent-skills, which has 103 GitHub stars. The repository holds 18 skills in this directory. The repository was last updated on October 10, 2026.
Source: FAIRY123456789/human-edge-agent-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.