Personal Cfo
When you want to model personal financial scenarios, house purchase + rental income...
Install
npx skills add coreyhaines31/makerskills --skill personal-cfo -g -a claude-code -y- Repository
- coreyhaines31/makerskills880
- Category
- Writing
- Updated
- 9d ago
- License
- MIT
- Context cost
- Mediumabout 2,110 tokens
- Runs scripts
- No, instructions only
What it does
When you want to model personal financial scenarios, house purchase + rental income (ADU, bedroom rentals, house-hacking), renovation budgets, monthly cash flow, big-purchase decisions, savings/investment what-ifs for a household. Ships with a house scenario template; other scenarios (refi, car, education, retirement, side income) slot in as templates. Outputs markdown scenario comparison tables. Saves scenarios to ~/Documents/personal-cfo/ with an index in ~/.config/makerskills/personal-cfo/archive/. Not for company books or monthly reporting (that's company-cfo). Composes with decide, deep-research (rental comps, rates), business-brainstorm, second-brain. Triggers on \"/personal-cfo,\" \"model this scenario,\" \"house math,\" \"rental forecast,\" \"monthly cash flow,\" \"what if I rent out the ADU,\" \"compare these housing scenarios,\" \"should we buy this house,\" \"house-hack math,\" \"renovation budget.\
/personal-cfo, Personal financial scenario modeling
This skill is for a household (you + partner): housing decisions, monthly cash flow, big purchases, scenario what-ifs. Pair it with a business-books CFO skill if you also run one for a company, the DNA is the same, the domain is different.
Step 1, Pick the scenario type
| Invocation | Type | What it models |
|---|---|---|
/personal-cfo house (default for now) | house | Buy a house + rental income scenarios (ADU / bedrooms / combinations) + renovations + monthly cash flow |
/personal-cfo refi | refi | Refinancing scenarios |
/personal-cfo cash-flow | cash-flow | Generic monthly cash flow (income, expenses, savings rate) |
/personal-cfo big-purchase | big-purchase | Should we buy X (car, education, equipment), cash vs finance vs lease comparisons |
/personal-cfo side-income | side-income | Adding a side income stream, break-even, tax implications |
/personal-cfo savings-what-if | savings-what-if | What if we put $X into Y for N years, index funds, real estate, etc. |
For v0.1, only the house template is fleshed out. Others are sketched in references/templates/ as stubs.
Step 2, Gather inputs
Ask in a structured batch. For house mode, see references/templates/house.md for the full input questionnaire. Core fields:
Property
- Purchase price
- Down payment (% or $)
- Mortgage rate + term (years)
- Property taxes (annual)
- HOA (monthly, if any)
- Homeowner's insurance (monthly)
- Closing costs (estimate)
Renovations / repairs
- Day-1 renovations (line items with estimates, kitchen, bath, ADU buildout, etc.)
- Year-1 expected repairs
- Annual maintenance budget (rule of thumb: 1% of purchase price)
