Agent skill

First 100k Plan

by mohitagw15856 in mohitagw15856/pm-claude-skills

Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time.

MITAuto-check passedProduct & Project Management

Install First 100k Plan

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill first-100k-plan -a claude-code

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

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills first-100k-plan --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/first-100k-plan .claude/skills/first-100k-plan && 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
first-100k-plan
GitHub stars
1.4k
Token cost
~1.2k tokens
SKILL.md length
590 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time.

  • Works in 6 steps: Assess the three levers honestly.… → Find the biggest lever. For most, income… → Sequence it right. Small safety net →… → …
  • Asked how do I save my first 100k
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Three Levers,… and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

First 100k Plan is an agent skill from mohitagw15856/pm-claude-skills. Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time. Use when asked how do I save my first 100k, plan to build wealth, reach a savings milestone, or how do I actually get ahead financially. Produces an honest read on your three levers (earn more, spend less, invest consistently), which one has the most room for you, a milestone timeline based on real numbers, the compounding effect once…

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, covering 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 save my first 100k
  • Plan to build wealth
  • Reach a savings milestone
  • How do I actually get ahead financially

Example prompts

  • “/first-100k-plan”

Workflow steps

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

  1. Assess the three levers honestly. Income, savings rate, and investment consistency are the only real drivers — measure where each stands…
  2. Find the biggest lever. For most, income growth has more headroom than penny-pinching; for some, an out-of-control budget is the fix…
  3. Sequence it right. Small safety net → clear high-interest debt → invest consistently → keep growing income — the order that compounds.
  4. Automate the savings rate. The reliable path is automatic, consistent investing of a meaningful savings rate — willpower doesn't scale…
  5. Show the compounding turn. Illustrate (educationally) how growth starts carrying more of the load as the balance grows — motivation to…
  6. Dodge the stalls. Lifestyle inflation eating raises, cash sitting uninvested, and high-interest debt are the classic milestone-killers.

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

First 100k Plan loads about 1.2k tokens when it runs. Until then it costs about 154 tokens; SKILL.md has 590 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~154
When it runs · the whole SKILL.md, loaded when a task matches
~1.2k

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). 590 words, ~1,209 tokens.

Download SKILL.mdSave it as .claude/skills/first-100k-plan/SKILL.md (or your agent's skills folder).
name
first-100k-plan
description
Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time. Use when asked how do I save my first 100k, plan to build wealth, reach a savings milestone, or how do I actually get ahead financially. Produces an honest read on your three levers (earn more, spend less, invest consistently), which one has the most room for you, a milestone timeline based on real numbers, the compounding effect once you're rolling, and the traps that stall people — educational, not financial advice.

First 100k Plan

"The first hundred grand is a bitch," as the saying goes — because early on you're doing all the work and compounding hasn't kicked in yet. The plan isn't magic; it's three levers — earn more, save more, invest consistently — applied relentlessly. This works out which lever has the most room for you, sets a real timeline, and shows where compounding starts carrying the load. Education, not financial advice.

What This Skill Produces

  • The three levers, assessed — income, savings rate, and consistent investing, with an honest read on which has the most room for you right now
  • Your highest-leverage move — where to focus (for many, raising income beats extreme frugality; for others, a bloated budget is the win)
  • A milestone timeline — a realistic estimate to the goal based on your actual numbers, not fantasy
  • The compounding turn — where investment growth starts contributing meaningfully, so the grind pays off
  • The stall traps — lifestyle inflation, sitting in cash, high-interest debt, and no automation
  • The order of operations — the sequence (safety net → debt → invest → grow) that gets you there

Required Inputs

Ask for these if not provided:

  • Your numbers — income, rough expenses, current savings, and any high-interest debt
  • Your goal — the milestone and rough timeframe you're hoping for
  • Your levers — is there room to earn more, cut spending, or both
  • Your setup — are you already investing/automating, or starting cold

Framework: Three Levers, Applied Relentlessly

  1. Assess the three levers honestly. Income, savings rate, and investment consistency are the only real drivers — measure where each stands for this person.
  2. Find the biggest lever. For most, income growth has more headroom than penny-pinching; for some, an out-of-control budget is the fix. Focus where the room is.
  3. Sequence it right. Small safety net → clear high-interest debt → invest consistently → keep growing income — the order that compounds.
  4. Automate the savings rate. The reliable path is automatic, consistent investing of a meaningful savings rate — willpower doesn't scale, automation does.
  5. Show the compounding turn. Illustrate (educationally) how growth starts carrying more of the load as the balance grows — motivation to push through the slow early part.
  6. Dodge the stalls. Lifestyle inflation eating raises, cash sitting uninvested, and high-interest debt are the classic milestone-killers.
Show full SKILL.md (221 more words)Show less

Output Format

First-milestone plan: goal [x] · from [current savings]

Your three levers: income [room?] · savings rate [room?] · investing [consistent?]. Biggest lever for you: [where the most room is → focus here]. Order of operations: safety net → high-interest debt → automate investing → grow income. Realistic timeline: ~[estimate from your numbers] — honest, not fantasy. The compounding turn: [where growth starts carrying the load]. Avoid the stalls: lifestyle inflation · cash sitting idle · high-interest debt.

Educational, not financial advice. The math depends on your real numbers, markets, and country. Consider a fee-only adviser for personal guidance.

Quality Checks

  • Assesses all three levers (income, savings rate, investing)
  • Identifies the highest-leverage move for this person
  • Gives a realistic timeline from actual numbers
  • Sequences safety net → debt → invest → grow
  • Emphasizes automation over willpower
  • Names the stall traps; states not financial advice

Anti-Patterns

  • Only preaching frugality when income growth has more room (or vice versa).
  • Fantasy timelines not grounded in the numbers.
  • Ignoring automation and relying on willpower.
  • Skipping the debt/safety-net sequence.
  • Presenting as personalized financial advice.

Example Trigger Phrases

  • "How do I save my first 100k?"
  • "Give me a realistic plan to build wealth from where I am."
  • "How do I actually get ahead financially, not just tread water?"
  • "What's the fastest realistic path to my savings goal?"
  • "I keep not making progress on savings — what should I focus on?"

© 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/first-100k-plan of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

First 100k Plan 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.

First 100k Plan compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
First 100k Plan this skillmohitagw15856/pm-claude-skills1.4k—~1.2kAutomated safety check: PassMIT
CCPM Project Managementautomazeio/ccpm8.4k—~1.1kAutomated safety check: PassMIT
Uvastral-sh/claude-code-plugins3132 repos~980Automated safety check: PassApache-2.0
Project Managementkunchenguid/firstmate7.8k—~2.1kAutomated safety check: PassMIT
Hivemind Goalsactiveloopai/hivemind1.6k—~1.7kAutomated safety check: NotesApache-2.0
Ichartjswanghetommy/ichartjs352—~4.3kAutomated safety check: PassApache-2.0

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Questions about First 100k Plan

What does First 100k Plan do?

Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time. First 100k Plan is an agent skill from mohitagw15856/pm-claude-skills. Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time.

When should I use First 100k Plan?

First 100k Plan fits situations like: asked how do I save my first 100k; plan to build wealth; reach a savings milestone; how do I actually get ahead financially.

How do I install First 100k Plan in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill first-100k-plan -a claude-code`. Or copy the skill folder (skills/first-100k-plan in mohitagw15856/pm-claude-skills) into .claude/skills/first-100k-plan in your project. Claude Code loads it when a task matches its description.

How do I install First 100k Plan in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill first-100k-plan -a codex`. Or copy the skill folder (skills/first-100k-plan in mohitagw15856/pm-claude-skills) into .agents/skills/first-100k-plan in your project. Codex loads it when a task matches its description.

Can I use First 100k Plan 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 first-100k-plan -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/first-100k-plan, .gemini/skills/first-100k-plan, .github/skills/first-100k-plan and .opencode/skills/first-100k-plan in your project.

What does First 100k Plan need to run?

SKILL.md names no scripts, command-line tools or credentials: First 100k Plan is instructions for the agent only.

Does First 100k Plan 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 First 100k Plan 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 First 100k Plan use?

First 100k Plan 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 First 100k Plan use?

About 1.2k tokens (SKILL.md is roughly 4.8k 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 First 100k Plan?

Skills that share tags, products or a category with First 100k Plan: CCPM Project Management (automazeio/ccpm, 8.4k stars), Uv (astral-sh/claude-code-plugins, 313 stars), Project Management (kunchenguid/firstmate, 7.8k stars) and Hivemind Goals (activeloopai/hivemind, 1.6k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains First 100k Plan?

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.