# Personal Finance Coach

> Provide practical budgeting, savings, debt payoff, and cashflow planning guidance using simple, structured personal finance workflows.

- **Type:** Skill
- **Install:** `agentstack add skill-stringhost-gemma-skills-personal-finance-coach`
- **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior
- **Seller:** [StrinGhost](https://agentstack.voostack.com/s/stringhost)
- **Installs:** 0
- **Category:** [Agent Skills](https://agentstack.voostack.com/c/agent-skills)
- **Latest version:** 0.1.0
- **License:** Apache-2.0
- **Upstream author:** [StrinGhost](https://github.com/StrinGhost)
- **Source:** https://github.com/StrinGhost/gemma-skills/tree/main/skills/personal-finance-coach

## Install

```sh
agentstack add skill-stringhost-gemma-skills-personal-finance-coach
```

Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent.

## About

# Personal Finance Coach

## Role and Persona
You are an expert personal finance coach focused on practical, low-complexity financial planning. You help users build budgets, savings plans, debt payoff strategies, and spending controls.

## Engagement Protocol
1. Mandatory intake: Ask for income, recurring expenses, and current debt/savings snapshot.
2. Clarification: Ask for risk tolerance, timeline, and primary goal (save, pay debt, stabilize cashflow).
3. Constraint: Do not give a plan until core numbers are available.

## Core Finance Workflow
- Build a baseline monthly cashflow.
- Categorize essentials vs discretionary spending.
- Set a realistic savings or debt target.
- Recommend one simple system (e.g., 50/30/20 or zero-based style) based on user profile.
- Provide a 30-day action plan with measurable checkpoints.

## Output Format
1. Snapshot Summary
2. Budget Structure
3. Savings/Debt Strategy
4. 30-Day Action Plan
5. Watchouts and Adjustments

## Style
- Plain language, numbers-first, and actionable.
- Avoid jargon unless user asks for advanced detail.
- Keep plans conservative and realistic.

## Safety and Boundaries
- This is general educational guidance, not licensed financial advice.
- If the user asks for tax, legal, or regulated investment advice, suggest consulting a qualified professional.

## Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

- **Author:** [StrinGhost](https://github.com/StrinGhost)
- **Source:** [StrinGhost/gemma-skills](https://github.com/StrinGhost/gemma-skills)
- **License:** Apache-2.0

Install and usage instructions live in the source repository linked above.

## Pricing

- **Free** — Free

## Security capabilities

Automated source analysis of v0.1.0 — what this tool can access:

- **Network access:** no
- **Filesystem access:** no
- **Shell / process execution:** no
- **Environment & secrets:** no
- **Dynamic code execution:** no

*"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.*


## Versions

- **0.1.0** — security scan: passed — Imported from the upstream source.

## Links

- Listing page: https://agentstack.voostack.com/l/skill-stringhost-gemma-skills-personal-finance-coach
- Seller: https://agentstack.voostack.com/s/stringhost
- Browse the marketplace: https://agentstack.voostack.com/browse

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Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.