Agent skill

Windfall Plan

by mohitagw15856 in mohitagw15856/pm-claude-skills

Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle.

MITAuto-check passed

Install Windfall Plan

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill windfall-plan -a claude-code

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

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

At a glance

Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle.

  • Works in 6 steps: Pause before anything big. Park it… → Check tax and obligations. Some… → Shore up the foundation. Emergency fund… → …
  • Asked what should I do with a windfall
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Pause, Settle… and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Windfall Plan is an agent skill from mohitagw15856/pm-claude-skills. Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle. Use when asked what should I do with a windfall, I came into some money, how to use a bonus/inheritance/tax refund, or don't want to waste this money. Produces a cool-off-first plan, a tax/obligations check, an allocation across foundation-building, goals, and a guilt-free fun slice, and cautions against the classic windfall traps and the vultures that appear…

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.

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 what should I do with a windfall
  • I came into some money
  • How to use a bonus/inheritance/tax refund
  • Dont want to waste this money

Example prompts

  • “/windfall-plan”

Workflow steps

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

  1. Pause before anything big. Park it somewhere safe and boring for a defined cool-off period — most windfall regret comes from fast…
  2. Check tax and obligations. Some windfalls are taxable (or partly) — set aside what's owed before spending, and clear pressing…
  3. Shore up the foundation. Emergency fund and high-interest debt first — this is what turns a windfall into lasting security rather than a…
  4. Allocate to goals and future. Split the rest deliberately across specific goals and long-term investing, tied to what you actually want.
  5. Keep a guilt-free slice. Earmark a defined, modest portion for something you'll enjoy — a plan you can stick to includes joy, not just…
  6. Watch for vultures. Lifestyle creep, risky pitches, and lending to all comers drain windfalls fast; for large sums, a fee-only…

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

Windfall Plan loads about 1.2k tokens when it runs. Until then it costs about 142 tokens; SKILL.md has 580 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~142
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). 580 words, ~1,173 tokens.

Download SKILL.mdSave it as .claude/skills/windfall-plan/SKILL.md (or your agent's skills folder).
name
windfall-plan
description
Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle. Use when asked what should I do with a windfall, I came into some money, how to use a bonus/inheritance/tax refund, or don't want to waste this money. Produces a cool-off-first plan, a tax/obligations check, an allocation across foundation-building, goals, and a guilt-free fun slice, and cautions against the classic windfall traps and the vultures that appear. Educational — not financial advice.

Windfall Plan

Windfalls tend to disappear — not through one big mistake but through a dozen small ones, plus lifestyle creep and the "advisors" who suddenly appear. A little structure changes the outcome entirely. This gives you a plan: pause before big moves, check what you owe (tax and debts), then allocate deliberately across your foundation, your goals, and a genuinely guilt-free bit of fun.

What This Skill Produces

  • A cool-off plan — park it safely and make no big irreversible decisions for a set window; windfalls invite rash moves
  • An obligations check — tax owed on it (some windfalls are taxable), and any debts or commitments to clear first
  • An allocation — a deliberate split across emergency fund/high-interest debt (foundation), specific goals, longer-term investing, and a defined fun slice
  • Trap avoidance — lifestyle inflation, risky "opportunities," lending to everyone, and the salespeople who circle a windfall
  • A "get help if it's big" flag — when the amount warrants a fee-only professional

Required Inputs

Ask for these if not provided:

  • The windfall — source (bonus, inheritance, refund, settlement, sale) and rough amount
  • Tax status — is it likely taxable, and has tax been withheld
  • Your financial base — emergency fund, high-interest debt, retirement, current stability
  • Your goals — what you'd genuinely want this to enable (near and long term)
  • Pressures — anyone expecting a cut, or a "hot opportunity" being pitched

Framework: Pause, Settle Obligations, Then Allocate

  1. Pause before anything big. Park it somewhere safe and boring for a defined cool-off period — most windfall regret comes from fast, emotional decisions.
  2. Check tax and obligations. Some windfalls are taxable (or partly) — set aside what's owed before spending, and clear pressing high-interest debt.
  3. Shore up the foundation. Emergency fund and high-interest debt first — this is what turns a windfall into lasting security rather than a good month.
  4. Allocate to goals and future. Split the rest deliberately across specific goals and long-term investing, tied to what you actually want.
  5. Keep a guilt-free slice. Earmark a defined, modest portion for something you'll enjoy — a plan you can stick to includes joy, not just discipline.
  6. Watch for vultures. Lifestyle creep, risky pitches, and lending to all comers drain windfalls fast; for large sums, a fee-only professional beats a commissioned "advisor."
Show full SKILL.md (210 more words)Show less

Output Format

Windfall plan: [source] · ~[amount]

First: park it safely, no big moves for [cool-off window]. Owe check: set aside [tax if taxable] · clear [pressing high-interest debt]. Allocation (of what's left)

  • Foundation (emergency fund / high-interest debt): [%/amount].
  • Goals: [specific goals].
  • Long-term / investing: [%].
  • Guilt-free fun: [defined slice].

Avoid: lifestyle creep · risky "opportunities" · lending to everyone.

Educational, not financial advice. For a large windfall, consider a fee-only (not commission-based) professional.

Quality Checks

  • Advises a cool-off period before big decisions
  • Checks tax owed and obligations before allocating
  • Prioritizes foundation (emergency fund/high-interest debt) first
  • Allocates deliberately across goals and long-term investing
  • Includes a defined guilt-free fun slice
  • Warns about traps/vultures and flags fee-only help for large sums

Anti-Patterns

  • Spending fast on impulse or lifestyle upgrades.
  • Forgetting tax and getting a nasty bill later.
  • Chasing a risky "opportunity" with the whole sum.
  • All discipline, no joy — a plan too joyless to keep.
  • Trusting a commissioned salesperson circling the windfall.

Example Trigger Phrases

  • "I got a big work bonus — what should I do with it?"
  • "I inherited some money and don't want to waste it."
  • "Smart things to do with a tax refund?"
  • "I'm coming into a settlement — how should I plan for it?"
  • "Sold my car/house and have a lump sum — where should it go?"

© 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/windfall-plan of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Windfall 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.

Windfall Plan compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Windfall Plan this skillmohitagw15856/pm-claude-skills1.4k—~1.2kAutomated safety check: PassMIT
Tax Registersickn33/agentic-awesome-skills47k1 repos~4.1kAutomated safety check: PassMIT
Taxcbrock84/headcount2k—~974Automated safety check: PassMIT
Smart Contract Formal Verificationsickn33/agentic-awesome-skills47k1 repos~1.4kAutomated safety check: PassMIT
Smart Contract Upgrade Governancesickn33/agentic-awesome-skills47k1 repos~1.4kAutomated safety check: PassMIT
Agent Automation Smart Agentruvnet/ruflo74k2 repos~1.4kAutomated safety check: PassMIT

Similar skills

  • Tax Register

    sickn33/agentic-awesome-skills

    Tax register: sales and purchase tax, withholding deducted and received, net payable, filing due date and days remaining.

    47k GitHub starsUsed in 1 repo~4.1k tokens
    Business, Finance & HRAuto-check passed
  • Tax

    cbrock84/headcount

    Structures the tax questions a growing business faces — corporate income, sales and use, payroll, nexus, and the obligations created by hiring or selling somewhere new.

    2k GitHub stars~974 tokensUpdated 21 days ago
    Business, Finance & HRAuto-check passed
  • Smart Contract Formal Verification

    sickn33/agentic-awesome-skills

    Foundry and Soroban formal invariant verification register: state transition rules, boundary invariant properties, and symbolic execution checks.

    47k GitHub starsUsed in 1 repo~1.4k tokens
    Backend & APIsAuto-check passed
  • Smart Contract Upgrade Governance

    sickn33/agentic-awesome-skills

    Soroban WASM upgrade governance register: executable bytecode hash, timelocked migration delays, and multi-sig authorization quorum.

    47k GitHub starsUsed in 1 repo~1.4k tokens
    Backend & APIsAuto-check passed
  • Agent skill for automation-smart-agent - invoke with $agent-automation-smart-agent

    74k GitHub starsUsed in 2 repos~1.4k tokens
    Data & AnalyticsAuto-check passed
  • Smart Accounts Kit

    internet-court/internet-court-skill

    Build dApps with MetaMask Smart Accounts Kit — ERC-4337 smart accounts, delegations, and Advanced Permissions (ERC-7715)

    6.5k GitHub starsUsed in 1 repo~1.3k tokens
    Backend & APIsAuto-check passed

More from mohitagw15856/pm-claude-skills

All 1,348 skills in this repo
  • Car Tco

    mohitagw15856/pm-claude-skills

    Compare the total cost of car ownership across buy-new, buy-used, lease, and keep-your-current-car — depreciation, insurance, maintenance ramp, and fuel over a real horizon, not just the monthly…

    1.4k GitHub stars~1.1k tokensUpdated today
    Auto-check passed
  • Cs Health Scorecard

    mohitagw15856/pm-claude-skills

    Build a customer health scorecard for a specific account. An agent skill from mohitagw15856/pm-claude-skills.

    1.4k GitHub stars~2.4k tokensUpdated today
    Auto-check passed
  • Exit Waterfall

    mohitagw15856/pm-claude-skills

    Compute who gets what at each exit price from a cap table — liquidation preferences, conversion points, and where the founders' share collapses.

    1.4k GitHub stars~1.1k tokensUpdated today
    Auto-check passed
  • Feature Prioritisation

    mohitagw15856/pm-claude-skills

    Apply prioritisation frameworks (RICE, MoSCoW, Kano, ICE, Opportunity Scoring) to rank features and backlog items.

    1.4k GitHub stars~2k tokensUpdated today
    Auto-check passed
  • Fire Number

    mohitagw15856/pm-claude-skills

    Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer.

    1.4k GitHub stars~1.1k tokensUpdated today
    Auto-check passed
  • Freelance Rate

    mohitagw15856/pm-claude-skills

    Derive a freelance day/hourly rate backwards from target income, honest billable utilization, overhead, and the self-employment tax premium — the arithmetic that proves a rate is not salary÷2000.

    1.4k GitHub stars~1.2k tokensUpdated today
    Auto-check passed

Questions about Windfall Plan

What does Windfall Plan do?

Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle. Windfall Plan is an agent skill from mohitagw15856/pm-claude-skills. Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle.

When should I use Windfall Plan?

Windfall Plan fits situations like: asked what should I do with a windfall; I came into some money; how to use a bonus/inheritance/tax refund; dont want to waste this money.

How do I install Windfall Plan in Claude Code?

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

How do I install Windfall Plan in Codex?

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

Can I use Windfall 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 windfall-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/windfall-plan, .gemini/skills/windfall-plan, .github/skills/windfall-plan and .opencode/skills/windfall-plan in your project.

What does Windfall Plan need to run?

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

Does Windfall 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 Windfall 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 Windfall Plan use?

Windfall 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 Windfall Plan use?

About 1.2k tokens (SKILL.md is roughly 4.7k 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 Windfall Plan?

Skills that share tags, products or a category with Windfall Plan: Tax Register (sickn33/agentic-awesome-skills, 47k stars), Tax (cbrock84/headcount, 2k stars), Smart Contract Formal Verification (sickn33/agentic-awesome-skills, 47k stars) and Smart Contract Upgrade Governance (sickn33/agentic-awesome-skills, 47k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Windfall Plan?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,433 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 8, 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.