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Agent skill

Daycare Vs Stay Home

by mohitagw15856 in mohitagw15856/pm-claude-skills

Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons…

MITAuto-check passed

Install Daycare Vs Stay Home

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill daycare-vs-stay-home -a claude-code

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

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills daycare-vs-stay-home --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/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/daycare-vs-stay-home .claude/skills/daycare-vs-stay-home && 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
daycare-vs-stay-home
GitHub stars
1.4k
Token cost
~1.4k tokens
SKILL.md length
727 words
Files
2 (incl. scripts)
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons…

  • Asked does it make sense for me to keep working
  • SKILL.md covers What This Skill Produces, Required Inputs, Programmatic Helper and Framework: The Honest-Ledger…, plus 8 more sections
  • Runs Python scripts from its folder; calls python3
  • Daycare costs my whole salary

What it does

Daycare Vs Stay Home is an agent skill from mohitagw15856/pm-claude-skills. Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons instead of one brutal year. Use when asked does it make sense for me to keep working, daycare costs my whole salary, stay-home vs daycare math, or what does leaving work for 5 years really cost. Produces both sides of the ledger from the script, the horizon comparison, and the decision sheet that lets the…

Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including scripts (for example `scripts/daycare_vs_stay_home.py`).

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked does it make sense for me to keep working
  • Daycare costs my whole salary
  • Stay-home vs daycare math
  • What does leaving work for 5 years really cost

Example prompts

  • “/daycare-vs-stay-home”

Requirements

  • Python 3

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. 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:

    • python3

    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

Daycare Vs Stay Home loads about 1.4k tokens when it runs. Until then it costs about 137 tokens; SKILL.md has 727 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~137
When it runs · the whole SKILL.md, loaded when a task matches
~1.4k

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 mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 727 words, ~1,449 tokens.

Download SKILL.mdSave it as .claude/skills/daycare-vs-stay-home/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.
name
daycare-vs-stay-home
description
Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons instead of one brutal year. Use when asked does it make sense for me to keep working, daycare costs my whole salary, stay-home vs daycare math, or what does leaving work for 5 years really cost. Produces both sides of the ledger from the script, the horizon comparison, and the decision sheet that lets the non-financials vote.

Daycare vs Stay-Home Skill

"Daycare eats my whole salary" is usually computed wrong twice: it compares childcare against gross pay (marginal taxes were eating part of that anyway), and it prices exactly one year of a decision whose costs live in the following decade — the raises not compounded, the re-entry discount, the retirement match not collected. This skill runs both sides honestly: what working nets this year, and what stepping out costs over the horizon. Then it hands the decision back, because the spreadsheet gets a vote, not a veto.

What This Skill Produces

  • This year's ledger — second income minus marginal tax, childcare, and work costs, plus the match: the real net, from the script
  • The horizon view — earnings forgone over the years out, and the re-entry salary vs. the never-left trajectory
  • The middle options — part-time, one-parent-flex, cheaper-care mixes — sketched against the same ledger
  • The decision sheet — money on both sides plus the non-financials, with their explicit permission to win

Required Inputs

Ask for these if not provided:

  • The second earner's income — and which parent's leaving is actually on the table (the framing "second income" is doing work; make it explicit)
  • Childcare cost — per child per month, the real local quote; number of kids and their ages (the cost cliff at school age is the model's built-in expiry date)
  • The marginal tax rate — marginal, not average; flag it as verify-yours, and note childcare tax credits/subsidies are jurisdiction-specific and often large
  • Career shape — expected raises, how re-entry works in their field (the default penalty is a placeholder; fields differ wildly), and the years-out being considered

Programmatic Helper

bash
python3 scripts/daycare_vs_stay_home.py --income 62000 --daycare 1600
python3 scripts/daycare_vs_stay_home.py --income 62000 --daycare 1600 --kids 2 --marginal-tax 28 --years-out 4 --json

Deterministic. The re-entry penalty default (10%) is a labeled placeholder — research varies widely; set it to the field's reality or treat it as a sensitivity axis.

Framework: The Honest-Ledger Rules

  • Marginal, not average, not gross — the second income is taxed at the household's marginal rate, so childcare compares against take-home-at-the-margin; both directions of error are common and both flip decisions
  • Childcare is temporary; trajectory is compounding — the brutal net-$1,200-a-month year ends at kindergarten, but the missed raises and match keep compounding; horizons are the honest unit, and the artifact must show both timescales
  • Work costs count, both ways — commuting, wardrobe, convenience meals are real subtractions; so is what a staying parent's unpaid labor replaces (nanny-share, aftercare, summer camps in the alternative) — the ledger cuts both directions
  • The middle is underrated — part-time, staggered schedules, and family care mixes often dominate both pure options on the ledger; sketch at least one
  • The spreadsheet votes, the family decides — wanting to be home, or wanting to work, is a legitimate deciding input; the skill's job is making sure it decides with the numbers visible, not instead of them
Show full SKILL.md (277 more words)Show less

Output Format

Daycare vs Stay-Home: [household]

This Year's Ledger

[Script output: gross → net after tax/care/costs+match, effective hourly]

The Horizon View

[Script output: forgone earnings, re-entry vs never-left salary, the compounding gap — read against when childcare costs end]

The Middle Options

[1–2 sketched: part-time at X hours → the same ledger recomputed roughly]

Decision Sheet

Money says: [one honest sentence, both timescales] · Not modeled and often decisive: childcare credits/subsidies (check yours — often large), job-tied benefits, and what each parent actually wants — which is allowed to win.

Educational model, not financial or career advice — tax treatment and re-entry realities vary; verify the load-bearing numbers.

Quality Checks

  • The comparison uses marginal tax and net income — never gross vs. daycare
  • Both timescales appear: the temporary childcare years and the compounding trajectory
  • The re-entry penalty is labeled a placeholder and treated as a sensitivity, not a fact
  • Childcare tax credits/subsidies are flagged as jurisdiction-specific and often large
  • At least one middle option is sketched
  • The non-financials get explicit permission to decide

Anti-Patterns

  • Do not run gross-salary-vs-daycare — it's the error this skill exists to correct
  • Do not price only year one — the decision's cost curve is a decade long and mostly later
  • Do not gender the framing — "the second earner" is whoever the household says it is
  • Do not let the model moralize either choice — working and staying home both survive honest math
  • Do not present the re-entry penalty as settled science — it's a field-dependent range wearing a default

Example Trigger Phrases

  • "Does it make sense for me to keep working?"
  • "Daycare costs my whole salary."
  • "Should one of us stay home with the kids?"
  • "What does leaving work for five years really cost?"

© mohitagw15856, 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 skills/daycare-vs-stay-home of mohitagw15856/pm-claude-skills.

  • SKILL.md
  • scripts/daycare_vs_stay_home.py

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Daycare Vs Stay Home 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.

Daycare Vs Stay Home compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Daycare Vs Stay Home this skillmohitagw15856/pm-claude-skills1.4k—~1.4kAutomated safety check: PassMIT
Mathparcadei/Continuous-Claude-v33.9k2 repos~1.6kAutomated safety check: NotesMIT
Leave Managementsickn33/agentic-awesome-skills47k1 repos~3.7kAutomated safety check: PassMIT
Math Computationtradecatlabs/vibe-coding-cn17k—~881Automated safety check: PassMIT
Rigorous Math Prooftradecatlabs/vibe-coding-cn17k—~571Automated safety check: PassMIT
Math Olympiadanthropics/claude-plugins-official38k—~5kAutomated safety check: PassApache-2.0

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Questions about Daycare Vs Stay Home

What does Daycare Vs Stay Home do?

Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons…. Daycare Vs Stay Home is an agent skill from mohitagw15856/pm-claude-skills. Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons instead of one brutal year.

When should I use Daycare Vs Stay Home?

Daycare Vs Stay Home fits situations like: asked does it make sense for me to keep working; daycare costs my whole salary; stay-home vs daycare math; what does leaving work for 5 years really cost.

How do I install Daycare Vs Stay Home in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill daycare-vs-stay-home -a claude-code`. Or copy the skill folder (skills/daycare-vs-stay-home in mohitagw15856/pm-claude-skills) into .claude/skills/daycare-vs-stay-home in your project. Claude Code loads it when a task matches its description.

How do I install Daycare Vs Stay Home in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill daycare-vs-stay-home -a codex`. Or copy the skill folder (skills/daycare-vs-stay-home in mohitagw15856/pm-claude-skills) into .agents/skills/daycare-vs-stay-home in your project. Codex loads it when a task matches its description.

Can I use Daycare Vs Stay Home 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 mohitagw15856/pm-claude-skills --skill daycare-vs-stay-home -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/daycare-vs-stay-home, .gemini/skills/daycare-vs-stay-home, .github/skills/daycare-vs-stay-home and .opencode/skills/daycare-vs-stay-home in your project.

What does Daycare Vs Stay Home need to run?

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

Does Daycare Vs Stay Home 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 Daycare Vs Stay Home 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 Daycare Vs Stay Home use?

Daycare Vs Stay Home 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 Daycare Vs Stay Home use?

About 1.4k tokens (SKILL.md is roughly 5.8k 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 Daycare Vs Stay Home?

Skills that share tags, products or a category with Daycare Vs Stay Home: Math (parcadei/Continuous-Claude-v3, 3.9k stars), Leave Management (sickn33/agentic-awesome-skills, 47k stars), Math Computation (tradecatlabs/vibe-coding-cn, 17k stars) and Rigorous Math Proof (tradecatlabs/vibe-coding-cn, 17k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Daycare Vs Stay Home?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.