Agent skill

Hourly Rate Time Value

by kangarooking in kangarooking/cangjie-skill

Helps decide whether a chore is worth doing or outsourcing by setting a deliberately high personal hourly rate, based on Naval Ravikant's ideas on time and retirement.

MITAuto-check passedProductivity & Automation

SKILL.md written in Chinese; this summary is our English description.

Install Hourly Rate Time Value

skills CLI
$ npx skills add kangarooking/cangjie-skill --skill hourly-rate-time -a claude-code

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

GitHub CLI
$ gh skill install kangarooking/cangjie-skill hourly-rate-time --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/kangarooking/cangjie-skill.git skills-src && mkdir -p .claude/skills && cp -r skills-src/books/naval-almanack-skill/hourly-rate-time .claude/skills/hourly-rate-time && 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
hourly-rate-time
GitHub stars
11k
Token cost
~677 tokens
SKILL.md length
165 words
Files
3
Skills in repo
22
Repo updated
First seen
Licence
MIT

At a glance

Helps decide whether a chore is worth doing or outsourcing by setting a deliberately high personal hourly rate, based on Naval Ravikant's ideas on time and retirement.

  • Works in 4 steps: 纠结琐事:「这 2 小时排队省 50 元值吗」「要不要自己修/自己跑」 → 时间失控:「每天都很忙但没产出」 → 外包决策:「要不要请人/雇助理」 → …
  • Deciding whether an errand or chore is worth your time or worth paying for
  • SKILL.md covers R — 原文 (Reading), I — 方法论骨架 (Interpretation), A1 — 书中的应用 (Past Application) and A2 — 触发场景 (Future Trigger) ★, plus 4 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

This skill turns a chapter on wealth from the Naval Almanack into a decision routine about time. The agent helps you set a personal hourly rate that feels absurdly high, then uses it as a filter: tasks worth less than that rate are outsourced or dropped, and the rest you do yourself. It also reframes retirement as not sacrificing today for an imagined tomorrow, and warns against raising your spending as your income rises.

The steps are to write down a rate and raise it if it feels comfortable, list the week's activities with their opportunity cost, outsource or remove at least three items that fall below the rate, check for lifestyle inflation, and recompute progress toward financial freedom as passive income against spending. It does not apply to rest, family time or deliberate relaxation, and it notes that outsourcing advice assumes spare cash flow, so you should budget first. Test prompts and test results ship with it.

When your agent uses it

  • Deciding whether an errand or chore is worth your time or worth paying for
  • Working out whether to hire an assistant or outsource a recurring task
  • Feeling busy all day with little to show for it
  • Estimating how far you are from financial freedom

Example prompts

  • “Is it worth waiting two hours in a queue to save 50 yuan?”
  • “Should I hire a part-time assistant to handle my admin work?”
  • “I am busy every day but produce little. Help me audit how I spend my week.”

Workflow steps

4 steps, taken from the first numbered list in SKILL.md.

  1. 纠结琐事:「这 2 小时排队省 50 元值吗」「要不要自己修/自己跑」
  2. 时间失控:「每天都很忙但没产出」
  3. 外包决策:「要不要请人/雇助理」
  4. 财务自由规划:「我离退休/自由还差什么」

What it can do on your machine

Read from SKILL.md and the folder at commit a28de55. 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

Hourly Rate Time Value loads about 677 tokens when it runs. Until then it costs about 54 tokens; SKILL.md has 165 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~54
When it runs · the whole SKILL.md, loaded when a task matches
~677

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 kangarooking/cangjie-skill at commit a28de55, republished under its MIT licence (© kangarooking). 165 words, ~677 tokens.

Download SKILL.mdSave it as .claude/skills/hourly-rate-time/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.
name
hourly-rate-time
description
当用户纠结时间分配、问「这个琐事/外包值不值」「怎么安排时间」「离财务自由还差什么」时调用。 核心理念: 给时间定一个高得离谱的时薪, 低于时薪的事外包或不做; 退休=不为想象中的明天牺牲今天; 不随收入升级生活方式。 不适用于: 需要享受慢节奏的时刻(休息/家庭时间按定义不是浪费)。 Triggers: 时薪/时间管理/外包/琐事/排队/财务自由/退休/hourly rate/delegate
source_book
《纳瓦尔宝典:财富与幸福指南》 纳瓦尔·拉维坎特
source_chapter
第一章·财富 / 第一节 创造财富 / 优先级和重点
tags
time, delegation, freedom, productivity

时薪与时间资产

R — 原文 (Reading)

为自己设定一个非常高的时薪期望值,并坚持下去。它应该看起来和感觉上都是高得离谱的。……退休就是不用再为想象中的明天而牺牲今天。当今天完成了,本身就完成了,你就退休了。

— 纳瓦尔·拉维坎特, 《纳瓦尔宝典》 第一章·财富

I — 方法论骨架 (Interpretation)

把「时间」当作人生唯一不可再生的资产来定价: ① 设定个人时薪——高得离谱(作者没钱时也按 5000 美元/小时),它是自我价值声明; ② 用时薪做过滤——低于时薪的琐事外包或不做,高于时薪的事亲自做,每个决定都换算时间成本; ③ 时间即自由——「你永远不会比你设想的价值更高」,珍惜时间不是不能放松,而是不做不想做的事; ④ 退休重新定义——不为想象中的明天牺牲今天,途径有三:被动收入覆盖支出 / 支出归零 / 做热爱之事; ⑤ 不升级生活方式——收入涨消费不涨,被动收入很快覆盖支出,提前自由。

A1 — 书中的应用 (Past Application)

案例 1: 没钱时的 5000 美元时薪
  • 问题: 年轻没钱时如何对待自己的时间
  • 方法论的使用: 自定 5000 美元/小时;雇助理、扔坏音箱不修、外包做饭
  • 结论: 低于时薪的琐事一律外包或放弃
  • 结果: 作者自评实际回报已超过该时薪;「讽刺的是,我认为我实际上已经打败它了」
案例 2: 浪费时间即离场
  • 问题: 聚会/活动浪费大量时间
  • 方法论的使用: 发现浪费时间立刻离开(作者以粗鲁著称)
  • 结论: 「珍惜你的时间。它是你的全部。它比你的金钱更重要。」
  • 结果: 保留时间给想做的事/赚钱/学习

A2 — 触发场景 (Future Trigger) ★

用户会在什么情境下需要这个 skill?
  1. 纠结琐事:「这 2 小时排队省 50 元值吗」「要不要自己修/自己跑」
  2. 时间失控:「每天都很忙但没产出」
  3. 外包决策:「要不要请人/雇助理」
  4. 财务自由规划:「我离退休/自由还差什么」
语言信号
  • "怎么分配我的时间"
  • "这钱该花吗(买时间)"
  • "我该不该外包/请人"
  • "how to value my time / delegate / retire early"
与相邻 skill 的区分
  • 与 wealth-structure 的区别: 时薪解决「怎么用时间」,财富结构解决「怎么建资产」
  • 与 decision-heuristics 的区别: 时薪是量化判据,决策启发式是结构判据

E — 可执行步骤 (Execution)

  1. 设定个人时薪

    • 完成标准: 写下你的时薪数字,确认它「高得离谱、看起来荒谬」;否则上调
    • 判停条件: 若用户感到舒服/合理,说明定低了,上调到荒谬
  2. 扫描本周时间账

    • 完成标准: 列出本周所有活动,标注每项的机会成本(时薪×小时)
  3. 外包/删除低于时薪的活动

    • 完成标准: 至少处理 3 项(外包、删除、或改变方式)
  4. 检查生活方式通胀

    • 完成标准: 确认收入上涨时消费没有同步上涨(储蓄率是否提升)
  5. 重算自由进度

    • 完成标准: 计算被动收入/支出比值,写下距离「不为明天牺牲今天」的差距

B — 边界 (Boundary) ★

不要在以下情况使用此 skill
  • 休息、陪伴家人、无目的放松(作者明确「只要在做想做的事,就不是浪费」)
  • 用户现金流紧张时,外包建议需现实化(先算预算再外包)
作者在书中警告的失败模式
  • 赚到钱就升级生活方式: 「如果你可以保持生活方式不变……你可能走得更远,实际上也已经财务自由了」
  • 用忙碌掩盖低价值: 「你应该忙得没时间去'煮咖啡',同时又要保持日程安排有序」
作者的盲点 / 时代局限
  • 高时薪外包建立在可支配现金流上;对低收入者是奢侈建议
  • 「忙到没时间煮咖啡」的强度适合创业者,不适合所有生活阶段
容易混淆的邻近方法论
  • decision-heuristics: 时薪是量化判据之一,不是唯一决策逻辑

相关 skills (阶段 3 定稿)

  • composes-with: decision-heuristics(时薪作判据)、happiness-skill(自由=幸福前提)
  • contrasts-with: wealth-structure(时间效率 vs 资产结构)

审计信息

  • 验证通过: V1 ✓ / V2 ✓ / V3 ✓ (v04)
  • 测试通过率: 见 test-results.md
  • 蒸馏时间: 2026-08-01

© kangarooking, 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 in books/naval-almanack-skill/hourly-rate-time of kangarooking/cangjie-skill.

  • SKILL.md
  • test-prompts.json
  • test-results.md

Open the folder on GitHubat commit a28de55

Compare with similar skills

Hourly Rate Time Value 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.

Hourly Rate Time Value compared with similar skills
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Hourly Rate Time Value this skillkangarooking/cangjie-skill11k—~677Automated safety check: PassMIT
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Daily BriefingRion-Wu-tech/ai-daily-briefing173—~834Automated safety check: PassMIT
Legal Job Searchzh-xx/legal-assistant-skills173—~1.7kAutomated safety check: PassMIT
Factor Dataminihellboy/factorminer123—~856Automated safety check: PassMIT
Execution Blocker Diagnosisdontbesilent2025/dbskill11k—~981Automated safety check: PassCustom licence

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Questions about Hourly Rate Time Value

What does Hourly Rate Time Value do?

Helps decide whether a chore is worth doing or outsourcing by setting a deliberately high personal hourly rate, based on Naval Ravikant's ideas on time and retirement. This skill turns a chapter on wealth from the Naval Almanack into a decision routine about time. The agent helps you set a personal hourly rate that feels absurdly high, then uses it as a filter: tasks worth less than that rate are outsourced or dropped, and the rest you do yourself.

When should I use Hourly Rate Time Value?

Hourly Rate Time Value fits situations like: deciding whether an errand or chore is worth your time or worth paying for; working out whether to hire an assistant or outsource a recurring task; feeling busy all day with little to show for it; estimating how far you are from financial freedom.

How do I install Hourly Rate Time Value in Claude Code?

Run `npx skills add kangarooking/cangjie-skill --skill hourly-rate-time -a claude-code`. Or copy the skill folder (books/naval-almanack-skill/hourly-rate-time in kangarooking/cangjie-skill) into .claude/skills/hourly-rate-time in your project. Claude Code loads it when a task matches its description.

How do I install Hourly Rate Time Value in Codex?

Run `npx skills add kangarooking/cangjie-skill --skill hourly-rate-time -a codex`. Or copy the skill folder (books/naval-almanack-skill/hourly-rate-time in kangarooking/cangjie-skill) into .agents/skills/hourly-rate-time in your project. Codex loads it when a task matches its description.

Can I use Hourly Rate Time Value 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 kangarooking/cangjie-skill --skill hourly-rate-time -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/hourly-rate-time, .gemini/skills/hourly-rate-time, .github/skills/hourly-rate-time and .opencode/skills/hourly-rate-time in your project.

What does Hourly Rate Time Value need to run?

SKILL.md names no scripts, command-line tools or credentials: Hourly Rate Time Value is instructions for the agent only.

Does Hourly Rate Time Value 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 Hourly Rate Time Value 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 Hourly Rate Time Value use?

Hourly Rate Time Value 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 Hourly Rate Time Value use?

About 677 tokens (SKILL.md is roughly 2.7k 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 Hourly Rate Time Value?

Skills that share tags, products or a category with Hourly Rate Time Value: Career-Ops Gmail Lead Plugin (career-ops-hq/career-ops, 74k stars), Daily Briefing (Rion-Wu-tech/ai-daily-briefing, 173 stars), Legal Job Search (zh-xx/legal-assistant-skills, 173 stars) and Factor Data (minihellboy/factorminer, 123 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Hourly Rate Time Value?

kangarooking (a GitHub user) maintains it in kangarooking/cangjie-skill, which has 11,071 GitHub stars. The repository holds 22 skills in this directory. The repository was last updated on October 2, 2026.

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