Money Ops Skills
Sheet 01 · Overviewv1.3.1 · MIT · Oct 2026

Money ops skillsfor AI agents

Open-source skills for everyday household money decisions: where your next dollar should go between retirement, debt, an emergency fund, and the goals that matter to you. Built for households earning under $200K a year. For Claude Code, the Claude app, Codex, Cursor, and any agent that reads skills.

money-ops-skills — zsh
$ npx skills add CharleneTStrain/money-ops-skills
✓ resolved 4 skills · claude code, codex, cursor
✓ money-ops-context installed first · read by every other skill
<$200KHousehold income
.xlsxWorkbook you keep
1Shared context file
MITFree to use and fork
Sheet 02 · How it worksClick any skill to open it

One context file. Every money question.

Run money-ops-context once. It writes down your household, income and pay schedule, expenses, debts, accounts, employer benefits, and goals. Every other skill reads that file first, so it only asks you for what's specific to the question. It never stores account numbers, Social Security numbers, or passwords.

money-ops-context.agents/money-ops-context.md · read first by every skill
Sheet 03 · RulesBuilt into every skill

What every skill holds to

The same four rules run through the whole library, so the plan you get is built on your numbers and this year's rules.

Rule 1

Your numbers, not averages.

Every answer is built from your own pay, bills, and debts. Rough is fine; made up is not.

Rule 2

This year's limits, looked up.

Contribution limits, credits, and loan rules change. Skills check them and cite the source.

Rule 3

Education, not advice.

No fund, stock, or provider picks. Skills lay out the choices. You decide.

Rule 4

No judgment.

Skills say where you are and the next step. Never that you're behind.

Sheet 04 · Library

All skills

Sheet 05 · InstallPick one

Install in one line