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Agent skill

Liquidity Management

by JoelLewis in JoelLewis/finance_skills

Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash.

MITAuto-check passedBusiness, Finance & HR

Install Liquidity Management

skills CLI
$ npx skills add JoelLewis/finance_skills --skill liquidity-management -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install JoelLewis/finance_skills liquidity-management --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/wealth-management/skills/liquidity-management .claude/skills/liquidity-management && rm -rf skills-src

Use ~/.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/

Facts

Skill name
liquidity-management
GitHub stars
206
Token cost
~2.1k tokens
SKILL.md length
1,005 words
Files
2 (incl. scripts)
Skills in repo
91
Repo updated
First seen
Licence
MIT

At a glance

Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash.

  • The user asks about cash flow forecasting
  • SKILL.md covers Core Concepts, Key Formulas, Worked Examples and Common Pitfalls, plus 2 more sections
  • Runs Python scripts from its folder; calls uv and python3
  • Liquidity tiers

What it does

Liquidity Management is an agent skill from JoelLewis/finance_skills. Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash. Use when the user asks about cash flow forecasting, CD or bond laddering, liquidity tiers, income smoothing for variable earners, or sweep strategies. Also trigger when users mention 'T-bill ladder', 'where to park cash', 'irregular income budgeting', 'freelancer cash management', 'lumpy expenses', 'liquidity ratio', 'how much cash to hold', or ask how to plan for large upcoming expenses.

Its SKILL.md is about 2.1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including scripts (for example `scripts/liquidity_management.py`).

It sits in Business, Finance & HR, covering Forecasting and time series and Budgeting and forecasting. The repository describes itself as: Claude Code skill plugins for financial services — 81 skills across 7 domain plugins covering investment management, compliance, advisory practice, trading, and operations. The licence is MIT.

When your agent uses it

  • The user asks about cash flow forecasting
  • Liquidity tiers
  • Income smoothing for variable earners
  • Sweep strategies

Example prompts

  • “T-bill ladder”
  • “where to park cash”
  • “irregular income budgeting”
  • “/liquidity-management”

Requirements

  • Python 3

What it can do on your machine

Read from SKILL.md and the folder at commit 5c498ea. 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

    Ships 1 file in scripts/ (Python), which the agent can run.

    Shell commands in SKILL.md call:

    • uv
    • python3

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md. Its commands use uv, which can reach the network depending on how they are called.

    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

Liquidity Management loads about 2.1k tokens when it runs. Until then it costs about 129 tokens; SKILL.md has 1,005 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~129
When it runs · the whole SKILL.md, loaded when a task matches
~2.1k

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); the scripts in this folder are not scanned.

SKILL.md

The full file from JoelLewis/finance_skills at commit 5c498ea, republished under its MIT licence (© JoelLewis). 1,005 words, ~2,136 tokens.

Download SKILL.mdSave it as .claude/skills/liquidity-management/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.
name
liquidity-management
description
Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash. Use when the user asks about cash flow forecasting, CD or bond laddering, liquidity tiers, income smoothing for variable earners, or sweep strategies. Also trigger when users mention 'T-bill ladder', 'where to park cash', 'irregular income budgeting', 'freelancer cash management', 'lumpy expenses', 'liquidity ratio', 'how much cash to hold', or ask how to plan for large upcoming expenses.

Liquidity Management

Core Concepts

Cash Flow Forecasting

Project income and expenses monthly for 12+ months:

  • Income sources: salary, business income, investment income, rental income, side gigs
  • Fixed expenses: mortgage/rent, insurance, subscriptions, loan payments
  • Variable expenses: food, utilities, discretionary spending
  • Periodic lumpy expenses: property taxes, insurance premiums, tuition, estimated taxes
  • Net cash flow: income - expenses per period → identifies surplus/deficit months
Income Smoothing (Variable Earners)

For commission, freelance, seasonal, or bonus-heavy income:

  • Compute trailing 12-month average income as "base salary equivalent"
  • Budget based on base amount, not peak months
  • Buffer surplus months into a smoothing reserve (separate from emergency fund)
  • Target smoothing reserve: 2-3 months of base expenses
  • Draw from reserve in below-average months
Liquidity Tiers

Classify investable assets by time to access:

TierAccess TimeExamplesTypical Yield
Tier 1 — ImmediateSame dayChecking and savings at your primary bank, money market fundsLow
Tier 2 — Short-term1-3 business daysHigh-yield savings at an online bank, brokerage sweep cash, T-bills, bond funds and bond ETFsModerate
Tier 3 — Medium-term1-4 weeks (or penalty cost)CDs (early-withdrawal penalty), I-bonds (after 1-year lockup)Moderate-High
Tier 4 — Long-term30+ daysReal estate, PE/VC, locked alternatives, retirement accounts (pre-59½)Highest

Tier notes:

  • Tier 1 vs Tier 2 savings: the distinction is transfer time, not product type. A savings account at your primary bank offers same-day access (Tier 1); a high-yield savings account at an online bank typically requires a 1-3 business day ACH transfer to reach your checking account (Tier 2).
  • Bond funds and bond ETFs: both settle T+1 (the US moved to T+1 settlement in May 2024 for equities, ETFs, and mutual funds), so sale proceeds are available in roughly 1-3 business days including transfer to a bank. They belong in Tier 2 for access time — though, unlike deposits, the sale price is subject to market risk.
CD Laddering

Stagger CD maturities for regular access + higher yields:

  • Example: $60K split into 6 CDs maturing every 2 months
  • As each CD matures: either use the cash or reinvest at the longest rung
  • Benefit: captures term premium while maintaining periodic liquidity
  • Variant: 3/6/9/12-month ladder, renewing each at 12 months
Bond Laddering

Similar concept with Treasury or corporate bonds:

  • Annual maturities across 1-5 or 1-10 years
  • Provides predictable cash flows and interest rate diversification
  • Rungs mature and are reinvested at prevailing rates (automatic rate averaging)
T-Bill Ladder

Short-duration, high-liquidity ladder:

  • 4/8/13/26-week T-bills rolling continuously
  • Purchased at Treasury Direct or through brokerage
  • State tax exempt (federal only)
  • Highly liquid: can sell on secondary market before maturity
Liquidity Metrics
  • Liquidity ratio: liquid assets / monthly expenses (target ≥ 3-6)
  • Cash reserve ratio: cash + near-cash / total portfolio
  • Current ratio (business): current assets / current liabilities (target > 1.5)
  • Quick ratio (business): (current assets - inventory) / current liabilities
Seasonal and Tax Planning
  • Estimated taxes: quarterly for self-employed (Q1: Apr 15, Q2: Jun 15, Q3: Sep 15, Q4: Jan 15)
  • Property taxes: typically semi-annual — reserve monthly for escrow-like smoothing
  • Holiday/vacation: set aside monthly into dedicated sub-account
  • Annual expenses: insurance premiums, memberships → amortize monthly
Margin of Safety

Maintain buffer above minimum liquidity requirements:

  • Income uncertainty → larger buffer
  • Known upcoming large expenses → pre-fund 2-3 months early
  • Market correlation: income and portfolio may both decline in recession

Key Formulas

FormulaExpressionUse Case
Liquidity ratioLiquid assets / monthly expensesAdequacy check
Net cash flowΣ income - Σ expensesMonthly surplus/deficit
CD ladder yieldWeighted average of rung yieldsBlended return on ladder
Smoothing reserveBase monthly expenses × 2-3Buffer for variable income
Breakeven penaltyCD early withdrawal penalty / (CD rate - savings rate)Whether to break CD

Worked Examples

Show full SKILL.md (417 more words)Show less
Example 1: CD Ladder Construction

Given: $60,000 to deploy, want liquidity every 2 months, 12-month CDs yielding 4.8% Calculate: Ladder structure and blended yield Solution:

  • Split into 6 equal CDs of $10,000 each
  • Stagger maturities: 2, 4, 6, 8, 10, 12 months
  • Initial yields may vary by term: 2mo=4.2%, 4mo=4.4%, 6mo=4.5%, 8mo=4.6%, 10mo=4.7%, 12mo=4.8%
  • Blended yield ≈ average = 4.53%
  • Every 2 months one CD matures → reinvest at 12-month rate (4.8%) or use funds
  • After full cycle (12 months), all CDs are 12-month earning 4.8%
Example 2: Variable Income Smoothing

Given: Freelancer with monthly income ranging $3,000-$15,000, average $8,000. Monthly expenses $5,500. Calculate: Base budget and smoothing reserve target Solution:

  • Base budget: $5,500/month (essential expenses)
  • Average monthly surplus: $8,000 - $5,500 = $2,500
  • Smoothing reserve target: $5,500 × 3 = $16,500
  • In months earning >$8K: direct excess to smoothing reserve until funded
  • In months earning <$5.5K: draw from smoothing reserve
  • Once reserve is funded, excess above $8K goes to savings/investment goals

Common Pitfalls

  • Illiquidity surprise: needing cash when assets are locked in alternatives or retirement accounts
  • Penalty drag from breaking CDs frequently (defeats the purpose of laddering)
  • Over-optimizing yield at the expense of access (yield chasing in illiquid instruments)
  • Not planning for estimated tax payments (large quarterly cash needs for self-employed)
  • Ignoring correlation between income loss and market decline (both happen in recessions)
  • Treating credit lines as liquidity (they can be revoked when most needed)

Cross-References

  • emergency-fund (wealth-management plugin): first tier of liquidity, must be funded before optimizing
  • lending (wealth-management plugin): margin loans, HELOCs as backup liquidity (with risks)
  • time-value-of-money (core plugin): CD/bond pricing, yield calculations
  • debt-management (wealth-management plugin): debt payments are fixed cash flow obligations
  • savings-goals (wealth-management plugin): multiple goals compete for available cash flow
  • tax-efficiency (wealth-management plugin): estimated taxes, tax-loss harvesting timing
  • fixed-income-sovereign (wealth-management plugin): T-bill ladder mechanics, Treasury Direct
  • financial-planning-workflow (advisory-practice plugin): cash flow tier structure informs the liquidity analysis in comprehensive financial plans
  • equity-compensation (wealth-management plugin): option exercise costs, RSU withholding gaps, and AMT bills create planned liquidity needs in vest and exercise years

Running the script

Run the reference implementation directly:

uv run scripts/liquidity_management.py     # PEP 723 header resolves dependencies automatically
python3 scripts/liquidity_management.py    # after: pip install numpy scipy

A bare run prints a demo covering liquidity ratios, a 12-month cash flow projection, cash runway, liquidity tier analysis, CD ladder construction, income smoothing, and CD breakeven analysis. Use --verify to recompute the demo figures and assert they match this skill's worked examples (prints PASS/FAIL, exits nonzero on mismatch), and --help to list the available classes and functions. The file is primarily meant to be imported as a module (from liquidity_management import LiquidityManagement) rather than run standalone.

© JoelLewis, 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 1 other file (scripts) in plugins/wealth-management/skills/liquidity-management of JoelLewis/finance_skills.

  • SKILL.md
  • scripts/liquidity_management.py

Open the folder on GitHubat commit 5c498ea

Compare with similar skills

Liquidity Management 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.

Liquidity Management compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Liquidity Management this skillJoelLewis/finance_skills206—~2.1kAutomated safety check: PassMIT
Chief Financial Officercbrock84/headcount2k—~1.7kAutomated safety check: PassMIT
Regimejackson-video-resources/markov-hedge-fund-method484—~1.6kAutomated safety check: PassCustom licence
Financial Modelingcbrock84/headcount2k—~1.1kAutomated safety check: PassMIT
SaaS Churn AnalysisLeoYeAI/openclaw-master-skills2.2k—~5kAutomated safety check: PassMIT
Longbridge Researchhelsome/folio2713 repos~2.1kAutomated safety check: PassMIT

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Categories

Questions about Liquidity Management

What does Liquidity Management do?

Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash. Liquidity Management is an agent skill from JoelLewis/finance_skills. Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash.

When should I use Liquidity Management?

Liquidity Management fits situations like: the user asks about cash flow forecasting; liquidity tiers; income smoothing for variable earners; sweep strategies.

How do I install Liquidity Management in Claude Code?

Run `npx skills add JoelLewis/finance_skills --skill liquidity-management -a claude-code`. Or copy the skill folder (plugins/wealth-management/skills/liquidity-management in JoelLewis/finance_skills) into .claude/skills/liquidity-management in your project. Claude Code loads it when a task matches its description.

How do I install Liquidity Management in Codex?

Run `npx skills add JoelLewis/finance_skills --skill liquidity-management -a codex`. Or copy the skill folder (plugins/wealth-management/skills/liquidity-management in JoelLewis/finance_skills) into .agents/skills/liquidity-management in your project. Codex loads it when a task matches its description.

Can I use Liquidity Management 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 JoelLewis/finance_skills --skill liquidity-management -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/liquidity-management, .gemini/skills/liquidity-management, .github/skills/liquidity-management and .opencode/skills/liquidity-management in your project.

What does Liquidity Management need to run?

Going by SKILL.md and its folder, Liquidity Management needs Python for the scripts in its folder and the command-line tools its instructions call (uv and python3). Our summary lists: Python 3.

Does Liquidity Management access the network?

SKILL.md contains no URLs. Its commands use uv, which can reach the network depending on how they are called. This is read from the text; nothing was executed.

Is Liquidity Management 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. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.

What licence does Liquidity Management use?

Liquidity Management is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Liquidity Management use?

About 2.1k tokens (SKILL.md is roughly 8.5k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Liquidity Management?

Skills that share tags, products or a category with Liquidity Management: Chief Financial Officer (cbrock84/headcount, 2k stars), Regime (jackson-video-resources/markov-hedge-fund-method, 484 stars), Financial Modeling (cbrock84/headcount, 2k stars) and SaaS Churn Analysis (LeoYeAI/openclaw-master-skills, 2.2k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Liquidity Management?

JoelLewis (a GitHub user) maintains it in JoelLewis/finance_skills, which has 206 GitHub stars. The repository holds 91 skills in this directory. The repository was last updated on July 18, 2026.

Source: JoelLewis/finance_skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.