Agent skill

Wealth Structure

by kangarooking in kangarooking/cangjie-skill

Helps you assess how you earn and where a job or business sits on a ladder of ownership, multipliers and risk, based on Naval Ravikant's almanack.

MITAuto-check passedBusiness, Finance & HR

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

Install Wealth Structure

skills CLI
$ npx skills add kangarooking/cangjie-skill --skill wealth-structure -a claude-code

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

GitHub CLI
$ gh skill install kangarooking/cangjie-skill wealth-structure --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/wealth-structure .claude/skills/wealth-structure && 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
wealth-structure
GitHub stars
11k
Token cost
~720 tokens
SKILL.md length
168 words
Files
3
Skills in repo
22
Repo updated
First seen
Licence
MIT

At a glance

Helps you assess how you earn and where a job or business sits on a ladder of ownership, multipliers and risk, based on Naval Ravikant's almanack.

  • Works in 4 steps: 思考收入结构:「我怎么才能不靠出卖时间赚钱」 → 谈 offer/期权:「高薪 vs 股权怎么选」「该不该要这家公司期权」 → 评估生意/副业:「这个副业有杠杆吗?能规模吗?」 → …
  • Working out how to earn without selling hours
  • 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

The skill argues that wealth comes from changing the structure of income, not from working harder or renting out time. It builds on four parts: accountability, ownership such as equity or intellectual property, multipliers (capital, people, and products like code and media that cost almost nothing to copy), and avoiding being knocked out through illegality, ruin or all-in bets. A worked example climbs a real-estate ladder from repair worker to platform company. The skill text is written in Chinese.

Four steps: diagnose your income (is it paid by time, is there ownership, how many multipliers), move up one level with a concrete action such as asking for equity, making a product, writing content or taking a stake, write red lines against illegality, betting everything and neglecting health, and review each quarter whether assets earn while you sleep. It does not recommend specific investments or stocks, defers cash-flow emergencies, and flags the author's Silicon Valley venture background as a limit.

When your agent uses it

  • Working out how to earn without selling hours
  • Weighing a higher salary against equity or stock options
  • Judging whether a side business has ownership and room to scale
  • Deciding how much risk to take with savings in a venture

Example prompts

  • “A small startup offered me options instead of a raise. How should I weigh them?”
  • “Diagnose my income structure: I bill hourly as a freelance developer.”
  • “Does my newsletter side project have any ownership or scaling built in?”

Workflow steps

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

  1. 思考收入结构:「我怎么才能不靠出卖时间赚钱」
  2. 谈 offer/期权:「高薪 vs 股权怎么选」「该不该要这家公司期权」
  3. 评估生意/副业:「这个副业有杠杆吗?能规模吗?」
  4. 风险决策:「要不要 All in / 借钱创业」

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

Wealth Structure loads about 720 tokens when it runs. Until then it costs about 54 tokens; SKILL.md has 168 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
~720

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). 168 words, ~720 tokens.

Download SKILL.mdSave it as .claude/skills/wealth-structure/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.
name
wealth-structure
description
当用户问「怎么赚钱/如何致富/该不该要期权/如何判断一个生意的结构」时调用。 核心理念: 财富=睡觉时仍在赚钱的资产; 靠「责任(押上声誉)→产权(股权/知识产权)→杠杆(无需许可的代码媒体)→避免出局」构建, 无法靠出租时间致富。 不适用于: 具体投资标的分析、理财产品的选股建议。 Triggers: 致富/赚钱/股权/期权/杠杆/被动收入/ownership/leverage/equity
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 / 认识如何创造财富
tags
wealth, leverage, ownership, equity, risk

财富结构:责任 + 产权 + 杠杆 + 避免出局

R — 原文 (Reading)

你无法通过廉价出租自己的时间而致富。你必须拥有产权——生意的一部分(如股权)——获得个人的财务自由。……商业杠杆主要有资本、人力、复制成本极低的产品(代码和媒体)。

— 纳瓦尔·拉维坎特, 《纳瓦尔宝典》 第一章·财富

I — 方法论骨架 (Interpretation)

致富不是靠工作更努力,而是靠改变收入的结构: ① 不卖时间——工资是「为别人承担风险的人打工」拿的最低报酬,退休即断; ② 要产权——股权、知识产权、品牌才能让睡觉时也有收入,实现非线性赚钱; ③ 加杠杆——人力/资本需要许可,代码和媒体无需许可且最民主; ④ 避免出局——不违法、不伤身、不孤注一掷,保住复利的游戏资格; ⑤ 责任感换回报——敢把名字押上去、公开承担失败风险的人,社会以产权和杠杆回报他。 判断任何职业/生意,先诊断它用了几种杠杆、有没有产权、下行风险多大。

A1 — 书中的应用 (Past Application)

案例 1: 房地产五级杠杆阶梯
  • 问题: 同样的房地产行业,报酬从时薪 15 美元到数十亿美元量级
  • 方法论的使用: 修房工人(无杠杆)→总承包商(人力杠杆)→开发商(资本+责任)→基金管理人(资本杠杆)→平台公司(代码+资本+团队)
  • 结论: 每上一级=更多责任+更多杠杆+更多特殊知识
  • 结果: 顶端公司创造数十亿美元价值,收入与投入完全脱钩
案例 2: 医生为什么能致富
  • 问题: 为什么高薪打工者退休后没有收入
  • 方法论的使用: 真有钱的医生开了私人诊所(品牌/知识产权),而非只领工资
  • 结论: 产权是财富与工资的分界线
  • 结果: 「他们不会给你足够的报酬——最低限度的报酬可能是很高的工资,但它仍然不是真正的财富」

A2 — 触发场景 (Future Trigger) ★

用户会在什么情境下需要这个 skill?
  1. 思考收入结构:「我怎么才能不靠出卖时间赚钱」
  2. 谈 offer/期权:「高薪 vs 股权怎么选」「该不该要这家公司期权」
  3. 评估生意/副业:「这个副业有杠杆吗?能规模吗?」
  4. 风险决策:「要不要 All in / 借钱创业」
语言信号
  • "怎么致富/怎么财富自由"
  • "工资之外怎么创造被动收入"
  • "要不要期权/股权/合伙"
  • "how to get rich / build assets / passive income"
与相邻 skill 的区分
  • 与 productize-yourself 的区别: 前者是「你是谁」的定位,本 skill 是「价值如何变成资产结构」
  • 与 principal-agent 的区别: 委托代理解决组织内的激励归属;本 skill 解决个人财富的资产结构

E — 可执行步骤 (Execution)

  1. 诊断当前收入结构

    • 完成标准: 回答三个问题——收入是否按时间计?有无产权(股权/知识产权/品牌)?有几层杠杆?
  2. 向上迁移一层

    • 完成标准: 找到一个可以增加责任/产权/杠杆的具体动作(要期权、做产品、写内容、入股)
    • 判停条件: 若下一步涉及孤注一掷(All in 全部积蓄/违法),跳过该动作并回到步骤 2
  3. 加一道防出局护栏

    • 完成标准: 明确写下「绝不违法、绝不押上全部资本、保持健康」三条红线
  4. 用复利视角重跑

    • 完成标准: 每季度检查资产是否在睡觉时产生收入,持续向产权+杠杆方向迁移

B — 边界 (Boundary) ★

不要在以下情况使用此 skill
  • 用户要具体投资标的/选股/理财建议(本书不提供标的推荐)
  • 用户处于生存线上、需要先解决现金流(先谈工作/技能,再谈结构)
作者在书中警告的失败模式
  • 孤注一掷与破产: 「远离那些事会导致你失去所有资本和所有积蓄的事情」
  • 只为他人打工: 雇主付「让你工作的最低报酬」,退休即断粮
作者的盲点 / 时代局限
  • 2008–2019 硅谷/风投背景: 「代码和媒体杠杆」叙事低估平台规则变化与流量通胀
  • 特殊知识+杠杆对无资本起点的人门槛高;作者默认有试错安全网
容易混淆的邻近方法论
  • hourly-rate-time: 时薪是时间效率工具,本 skill 是资产结构框架;两者互补不冲突

相关 skills (阶段 3 定稿)

  • composes-with: productize-yourself、long-term-compounding、principal-agent
  • depends-on: judgment-training(先有判断力再上杠杆)

审计信息

  • 验证通过: V1 ✓ / V2 ✓ / V3 ✓ (v02)
  • 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/wealth-structure of kangarooking/cangjie-skill.

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

Open the folder on GitHubat commit a28de55

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Questions about Wealth Structure

What does Wealth Structure do?

Helps you assess how you earn and where a job or business sits on a ladder of ownership, multipliers and risk, based on Naval Ravikant's almanack. The skill argues that wealth comes from changing the structure of income, not from working harder or renting out time. It builds on four parts: accountability, ownership such as equity or intellectual property, multipliers (capital, people, and products like code and media that cost almost nothing to copy), and avoiding being knocked out through illegality, ruin or all-in bets.

When should I use Wealth Structure?

Wealth Structure fits situations like: working out how to earn without selling hours; weighing a higher salary against equity or stock options; judging whether a side business has ownership and room to scale; deciding how much risk to take with savings in a venture.

How do I install Wealth Structure in Claude Code?

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

How do I install Wealth Structure in Codex?

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

Can I use Wealth Structure 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 wealth-structure -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/wealth-structure, .gemini/skills/wealth-structure, .github/skills/wealth-structure and .opencode/skills/wealth-structure in your project.

What does Wealth Structure need to run?

SKILL.md names no scripts, command-line tools or credentials: Wealth Structure is instructions for the agent only.

Does Wealth Structure 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 Wealth Structure 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 Wealth Structure use?

Wealth Structure 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 Wealth Structure use?

About 720 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.

What are the alternatives to Wealth Structure?

Skills that share tags, products or a category with Wealth Structure: Startup Pressure Test (Kappaemme-git/codex-startup-pressure-test-skill, 991 stars), Zhang Yiming Perspective (alchaincyf/zhang-yiming-skill, 172 stars), PESTEL Macro Analysis (deanpeters/Product-Manager-Skills, 7.2k stars) and Korean Government Grant Search (djfksjd/ir-search, 392 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Wealth Structure?

kangarooking (a GitHub user) maintains it in kangarooking/cangjie-skill, which has 10,988 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.