User Story Writer
deanpeters/Product-Manager-Skills
Writes user stories in Mike Cohn's format with Gherkin acceptance criteria, turning user needs into development-ready work with testable conditions.
Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs.
Install Financial Independence Roadmap
$ npx skills add mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills financial-independence-roadmap --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/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/financial-independence-roadmap .claude/skills/financial-independence-roadmap && 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 "financial-independence-roadmap" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmap into .claude/skills/financial-independence-roadmap/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-independence-roadmap", 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/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmapType 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 mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills financial-independence-roadmap --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/financial-independence-roadmap .agents/skills/financial-independence-roadmap && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "financial-independence-roadmap" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmap into .agents/skills/financial-independence-roadmap/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-independence-roadmap", 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 mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills financial-independence-roadmap --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/financial-independence-roadmap .cursor/skills/financial-independence-roadmap && 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 "financial-independence-roadmap" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmap into .cursor/skills/financial-independence-roadmap/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-independence-roadmap", 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/mohitagw15856/pm-claude-skills.git --path skills/financial-independence-roadmap--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 mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills financial-independence-roadmap --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/financial-independence-roadmap .gemini/skills/financial-independence-roadmap && 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 "financial-independence-roadmap" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmap into .gemini/skills/financial-independence-roadmap/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-independence-roadmap", 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 mohitagw15856/pm-claude-skills financial-independence-roadmapInstalls 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 mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/financial-independence-roadmap .github/skills/financial-independence-roadmap && 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 "financial-independence-roadmap" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmap into .github/skills/financial-independence-roadmap/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-independence-roadmap", 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 mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills financial-independence-roadmap --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/financial-independence-roadmap .opencode/skills/financial-independence-roadmap && 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 "financial-independence-roadmap" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/financial-independence-roadmap into .opencode/skills/financial-independence-roadmap/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-independence-roadmap", 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
financial-independence-roadmap- GitHub stars
- 1.4k
- Token cost
- ~1.2k tokens
- SKILL.md length
- 614 words
- Files
- 1
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs.
- Works in 6 steps: Estimate the number. Use a common rule… → Reveal the savings-rate math. Show how a… → Make the timeline concrete. Rough… → …
- Asked how do I reach financial independence
- SKILL.md covers What This Skill Produces, Required Inputs, Framework: The Number, The… and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Financial Independence Roadmap is an agent skill from mohitagw15856/pm-claude-skills. Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs. Use when asked how do I reach financial independence, explain FIRE, what's my FI number, or plan for financial freedom. Produces an educational read on your rough FI number (and why the savings rate matters more than income), the timeline math at different savings rates, the levers and lifestyle tradeoffs, the different flavors (lean/coast/full), and…
Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
It sits in Product & Project Management. 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 how do I reach financial independence
- Whats my FI number
- Plan for financial freedom
Example prompts
- “d actually need, your savings rate”
- “/financial-independence-roadmap”
Workflow steps
6 steps, taken from the first numbered list in SKILL.md.
- Estimate the number. Use a common rule of thumb (a multiple of annual spending) to get a rough target — clearly flagged as illustrative…
- Reveal the savings-rate math. Show how a higher savings rate dramatically shortens the timeline — it's the single biggest lever, far more…
- Make the timeline concrete. Rough years-to-FI at a few savings rates, so the person sees the tradeoff between saving intensity and time.
- Offer the flavors. Full FI is one option; coast FI (enough that it grows to FI without more contributions), lean, and partial FI are…
- Name the tradeoffs honestly. Saving hard has a real cost in present living; help find a balance that isn't miserable now for a someday…
- Flag the traps. Lifestyle inflation, over-optimistic withdrawal/return assumptions, and treating the number as the point rather than the…
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
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
Financial Independence Roadmap loads about 1.2k tokens when it runs. Until then it costs about 160 tokens; SKILL.md has 614 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 mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 614 words, ~1,232 tokens.
Download SKILL.mdSave it as
.claude/skills/financial-independence-roadmap/SKILL.md (or your agent's skills folder).- name
- financial-independence-roadmap
- description
- Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs. Use when asked how do I reach financial independence, explain FIRE, what's my FI number, or plan for financial freedom. Produces an educational read on your rough FI number (and why the savings rate matters more than income), the timeline math at different savings rates, the levers and lifestyle tradeoffs, the different flavors (lean/coast/full), and the traps — turning a vague dream of freedom into a directional plan. Not financial advice.
Financial-Independence Roadmap
Financial independence — having enough that work becomes optional — sounds like a fantasy until you see the math: it's driven far more by your savings rate than your income, because a high savings rate both builds the pot faster and shrinks the pot you need. This gives an educational roadmap: your rough number, how savings rate bends the timeline, the flavors of FI, and the honest tradeoffs. Not financial advice.
What This Skill Produces
- Your rough FI number — an educational estimate of the pot that could sustain your spending (based on common rules of thumb, flagged as illustrative)
- The savings-rate revelation — how your savings rate, more than income, determines the timeline (and why)
- Timeline math — a rough sense of the years to FI at different savings rates, so the tradeoff is concrete
- The flavors — lean FI, coast FI, barista/partial FI, full FI — so it's not all-or-nothing
- Levers & tradeoffs — the honest tension between saving hard now and living now, and how to find your balance
- The traps — lifestyle inflation, an over-optimistic withdrawal assumption, and forgetting that FI is a means, not the point
Required Inputs
Ask for these if not provided:
- Your numbers — income, spending, current savings/investments
- Your spending target — what annual spending you'd want in independence
- Your why — full early retirement, or just optionality/security
- Region — for the (educational) caveats around tax and safe-withdrawal norms
Framework: The Number, The Rate, The Tradeoffs
- Estimate the number. Use a common rule of thumb (a multiple of annual spending) to get a rough target — clearly flagged as illustrative, not a guarantee.
- Reveal the savings-rate math. Show how a higher savings rate dramatically shortens the timeline — it's the single biggest lever, far more than a bigger income spent as fast as it grows.
- Make the timeline concrete. Rough years-to-FI at a few savings rates, so the person sees the tradeoff between saving intensity and time.
- Offer the flavors. Full FI is one option; coast FI (enough that it grows to FI without more contributions), lean, and partial FI are others — it's a spectrum, not a cliff.
- Name the tradeoffs honestly. Saving hard has a real cost in present living; help find a balance that isn't miserable now for a someday that may not come.
- Flag the traps. Lifestyle inflation, over-optimistic withdrawal/return assumptions, and treating the number as the point rather than the freedom it buys.
Show full SKILL.md (217 more words)Show less
Output Format
FI roadmap: spending target [x] · from [current savings]
Rough FI number: ~[illustrative multiple of spending] — a target, not a guarantee. The big lever — savings rate: [how it bends the timeline more than income]. Years to FI (rough): at [rate A] ~[years] · at [rate B] ~[years]. Flavors: lean / coast / partial / full — [which might fit you]. The honest tradeoff: [saving hard now vs living now — finding balance]. Traps: lifestyle inflation · over-optimistic assumptions · number-as-the-point.
Educational, not financial advice. Numbers are illustrative rules of thumb; real returns, tax, and safe-withdrawal rates vary by situation and country.
Quality Checks
- Gives a rough, clearly-illustrative FI number
- Reveals that savings rate drives the timeline more than income
- Makes the timeline concrete at a few savings rates
- Presents the flavors (lean/coast/partial/full), not all-or-nothing
- Names the save-now-vs-live-now tradeoff honestly
- Flags the traps; states not financial advice
Anti-Patterns
- Presenting the FI number as precise or guaranteed.
- Focusing on income while ignoring savings rate.
- All-or-nothing full-FIRE framing with no flavors.
- Ignoring the present-living cost of extreme saving.
- Financial advice rather than education.
Example Trigger Phrases
- "How do I reach financial independence? Explain the path."
- "What's my FI number and how long would it take?"
- "Explain FIRE and whether it's realistic for me."
- "Plan a roadmap to financial freedom."
- "Is early retirement actually achievable on my income?"
© 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
Just SKILL.md in skills/financial-independence-roadmap of mohitagw15856/pm-claude-skills.
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Financial Independence Roadmap 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 |
|---|---|---|---|---|---|---|
| Financial Independence Roadmap this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.2k | Automated safety check: Pass | MIT | |
| User Story Writerdeanpeters/Product-Manager-Skills | 7.2k | 2 repos | ~2.9k | Automated safety check: Pass | Custom licence | |
| Game Changing FeaturesopenstatusHQ/data-table-filters | 2.3k | 3 repos | ~2.1k | Automated safety check: Pass | MIT | |
| CCPM Project Managementautomazeio/ccpm | 8.4k | — | ~1.1k | Automated safety check: Pass | MIT | |
| Convex Create Componentspokvulcan/poker-planning | 115 | 8 repos | ~2.6k | Automated safety check: Pass | MIT | |
| Self Improving Agentfarm-fe/farm | 5.6k | 2 repos | ~3.3k | Automated safety check: Notes | MIT |
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Categories
Questions about Financial Independence Roadmap
What does Financial Independence Roadmap do?
Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs. Financial Independence Roadmap is an agent skill from mohitagw15856/pm-claude-skills. Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs.
When should I use Financial Independence Roadmap?
Financial Independence Roadmap fits situations like: asked how do I reach financial independence; whats my FI number; plan for financial freedom.
How do I install Financial Independence Roadmap in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a claude-code`. Or copy the skill folder (skills/financial-independence-roadmap in mohitagw15856/pm-claude-skills) into .claude/skills/financial-independence-roadmap in your project. Claude Code loads it when a task matches its description.
How do I install Financial Independence Roadmap in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill financial-independence-roadmap -a codex`. Or copy the skill folder (skills/financial-independence-roadmap in mohitagw15856/pm-claude-skills) into .agents/skills/financial-independence-roadmap in your project. Codex loads it when a task matches its description.
Can I use Financial Independence Roadmap 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 financial-independence-roadmap -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/financial-independence-roadmap, .gemini/skills/financial-independence-roadmap, .github/skills/financial-independence-roadmap and .opencode/skills/financial-independence-roadmap in your project.
What does Financial Independence Roadmap need to run?
SKILL.md names no scripts, command-line tools or credentials: Financial Independence Roadmap is instructions for the agent only.
Does Financial Independence Roadmap 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 Financial Independence Roadmap 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 Financial Independence Roadmap use?
Financial Independence Roadmap 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 Financial Independence Roadmap use?
About 1.2k tokens (SKILL.md is roughly 4.9k 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 Financial Independence Roadmap?
Skills that share tags, products or a category with Financial Independence Roadmap: User Story Writer (deanpeters/Product-Manager-Skills, 7.2k stars), Game Changing Features (openstatusHQ/data-table-filters, 2.3k stars), CCPM Project Management (automazeio/ccpm, 8.4k stars) and Convex Create Component (spokvulcan/poker-planning, 115 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Financial Independence Roadmap?
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.