Claude Skills by FerroxLabs

Estate planning education covering trusts, wills, beneficiary designations, powers of attorney, healthcare directives, tax strategies for wealth transfer, document checklists, and common planning mistakes. Helps users understand the key components of a comprehensive estate plan. Use when the user asks about estate planning architect, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of estate planning architect or requires a...

Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery. Use when the user asks about expense analyzer, or needs help with spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detect...

Designs a personal expense tracking system with categories, tracking method, review cadence, and weekly reconciliation routine. Produces a complete tracking template the user can implement immediately with their own spending data. Use when the user asks about tracking expenses, categorizing spending, setting up a spending log, or creating an expense tracking system. Do NOT use for creating a full budget (use budget-planning), business expense reporting, or investment tracking.

Applies the 50/30/20 budgeting rule to the user's income, categorizing every expense as a need (50%), want (30%), or savings/debt repayment (20%). Produces a populated allocation table showing current spending against these targets with specific rebalancing recommendations. Use when the user asks about the 50/30/20 rule, wants a simple percentage-based budget, or needs help categorizing spending into needs, wants, and savings. Do NOT use for zero-based budgeting (use zero-based-budget), varia...

Converts vague financial aspirations into SMART goals with specific dollar targets, timelines, and monthly savings requirements. Produces a structured goal plan that breaks large financial objectives into measurable monthly actions the user can track. Use when the user has financial aspirations but has not defined specific targets, timelines, or monthly contribution amounts. Do NOT use for creating a budget (use budget-planning), tracking multiple existing savings goals (use savings-goals-tra...

Explains a financial concept (compound interest, inflation, tax-advantaged accounts, diversification, amortization, or other core concepts) in plain language with a concrete worked example using the user's actual numbers. Produces an explanation with a calculation walkthrough the user can verify and apply. Use when the user asks "what is [financial concept]?", wants to understand how a financial mechanism works, or needs a concept explained with their own numbers. Do NOT use for investment ad...

Holistic financial health evaluation covering income stability, savings adequacy, debt management, insurance coverage, and retirement preparedness. Produces a scored wellness report with prioritized action steps for financial improvement. Use when the user asks about financial wellness scorecard, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of financial wellness scorecard or requires a different specialized skill.

Financial Independence and Retire Early planning guide covering FIRE number calculation, savings rate optimization, the 4% rule and safe withdrawal rates, sequence of returns risk, Roth conversion ladders, healthcare bridge strategies, FIRE variations (lean, fat, barista, coast), asset allocation in early retirement, and lifestyle design for post-retirement fulfillment. Use when the user asks about fire planner, or needs help with financial independence and retire early planning guide coverin...

Creates a first-time budget for students, new graduates, or anyone who has never budgeted before. Starts from zero with income verification and essential expense mapping, uses simplified categories, and builds a minimal viable budget the user can maintain without financial experience. Use when the user is creating their very first budget, has no prior budgeting experience, is a student or new earner, or asks "how do I start budgeting?" Do NOT use for experienced budgeters wanting a method upg...

Comprehensive guidance for first-time homebuyers covering financial readiness assessment, mortgage options (FHA, VA, conventional), pre-approval process, house hunting strategy, making competitive offers, inspections, and navigating the closing process including first-time buyer assistance programs. Use when the user asks about first home buyer or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.

Plan gift spending by occasion and recipient - budget allocation templates, tracking spreadsheets, cost-saving strategies, and year-round planning. Use when the user asks about gift budget calculator, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of gift budget calculator or requires a different specialized skill.

Produces a complete home buying process checklist covering financial preparation, mortgage pre-approval steps, house hunting strategy, offer and negotiation phases, inspection, and closing. This is a process guide that structures the entire home buying journey from initial readiness assessment through move-in. Use when the user asks about buying a home, the home buying process, or wants a checklist for purchasing a house. Do NOT use for mortgage comparison math (use mortgage-comparison), insu...

Comprehensive guidance for planning home renovation projects including project scoping, permit requirements research, contractor selection and vetting, budget planning with contingency reserves, timeline management, material selection strategies, project phasing, and the DIY versus contractor decision framework. Use when the user asks about home renovation planner or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.

Strategic guidance for selling residential property including market timing analysis, pricing strategy using comparative market analysis (CMA), staging techniques, professional photography, listing optimization, showing preparation, offer evaluation, negotiation tactics, closing from the seller side, and understanding tax implications of home sales. Use when the user asks about home seller or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exi...

Expert guidance for residential property flipping including acquisition strategies (MLS, auctions, wholesalers), renovation scope assessment, contractor management, budget tracking using the 70% rule, timeline planning, After Repair Value (ARV) calculation, and selling strategy for maximum profit. Use when the user asks about house flipper or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.

Passive index fund investing strategy covering three-fund portfolio construction, asset allocation by age and risk tolerance, rebalancing schedules, tax-efficient fund placement across account types, fund selection criteria, and common mistakes to avoid. Use when the user asks about index fund strategist, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of index fund strategist or requires a different specialized skill.

Provides an analysis framework for comparing insurance policies across any insurance type. Evaluates premiums, deductibles, coverage limits, exclusions, and provider quality factors. Produces a structured side-by-side comparison using terms the user provides from their actual policy quotes. Use when the user asks about comparing insurance policies, understanding coverage options, or evaluating the tradeoff between premiums and deductibles. Do NOT use for insurance needs assessment (use insura...

Comprehensive guide to insurance coverage types, policy comparison methodology, claim filing procedures, coverage gap analysis, and cost optimization strategies. Use when the user asks about insurance navigator, or needs help with comprehensive guide to insurance coverage types, policy comparison methodology, claim filing procedures, coverage gap analysis, and cost optimization strategies. Do NOT use when the request requires professional financial advice or falls outside the scope of insuran...

Evaluates insurance coverage gaps across health, life, disability, auto, and renters/homeowners categories based on the user's life situation, dependents, assets, and income. Produces a coverage assessment matrix identifying what the user has, what they may need, and what to evaluate further with a licensed professional. Use when the user asks about insurance needs, wants to evaluate their coverage, or wonders what types of insurance they should consider. Do NOT use for comparing specific ins...

Explains the structural differences between common investment account types including employer-sponsored plans, individual retirement accounts, taxable brokerage accounts, and health savings accounts. Covers tax treatment, contribution rules, withdrawal rules, and tradeoffs for each account type. Use when the user asks about types of investment accounts, differences between retirement accounts, or which account features matter for their situation. Do NOT use for specific investment product se...

Investment guidance rooted in evidence-based strategies including Bogleheads passive index investing, age-based asset allocation, retirement account optimization, dollar-cost averaging, rebalancing, and tax-loss harvesting. Includes compound interest visualization and emergency fund sizing. Use when the user asks about investment advisor, or needs help with investment guidance rooted in evidence-based strategies including bogleheads passive index investing, age-based asset allocation, retirem...

Calculates the long-term cost of investment fees including expense ratios, advisor fees, and transaction costs. Expresses fee impact as both dollar amounts and percentage of final portfolio value over the user's time horizon. Use when the user asks about investment fees, wants to compare fund costs, or wants to understand how fees affect long-term returns. Do NOT use for choosing specific funds or products, understanding account types (use investment-account-types), or building a portfolio al...

Comprehensive operational guide for landlords covering tenant screening processes, lease creation, rent collection systems, maintenance management, legal compliance including Fair Housing and eviction procedures, accounting and record-keeping, property inspection schedules, and tenant conflict resolution strategies. Use when the user asks about landlord guide or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.

Compares 2-4 loan options by computing total cost of borrowing (principal plus total interest), monthly payment, effective APR, and total amount repaid for each. Produces a side-by-side comparison matrix so the user can evaluate loan offers on equal terms. Use when the user is comparing loan offers, evaluating financing options, or wants to understand the true cost of borrowing for different loan terms or rates. Do NOT use for debt consolidation analysis (use debt-consolidation-analysis), cre...

Applies a structured buy/wait/skip decision framework to any large purchase. Evaluates affordability, needs vs. wants, financing cost, opportunity cost, and timing. Produces a scored decision matrix using the user's actual numbers and priorities without recommending the outcome. Use when the user asks about making a large purchase, is deciding whether to buy something expensive, or wants a framework for evaluating a significant spending decision. Do NOT use for home buying (use home-buying-ch...

Compares mortgage options by computing total cost of borrowing, monthly payment, break-even point for paying points, and fixed vs. adjustable rate risk factors. All calculations use terms the user provides from their actual loan offers. Produces a side-by-side comparison with total cost analysis. Use when the user asks about comparing mortgage offers, fixed vs. ARM loans, whether to pay points, or wants to see the total cost of different mortgage options. Do NOT use for the overall home buyin...

Negotiation skills coaching covering salary negotiation scripts, purchase negotiation tactics, bill reduction strategies for cable, insurance, and medical expenses, anchoring technique, BATNA framework, preparation checklists, and common negotiation mistakes to avoid. Use when the user asks about negotiation coach, or needs help with negotiation skills coaching covering salary negotiation scripts, purchase negotiation tactics, bill reduction strategies for cable, insurance, and medical expens...

Comprehensive methodology for researching and evaluating neighborhoods before purchasing property, covering school district evaluation, crime statistics analysis, walkability and transit scores, future development plans, property value trends, community amenities assessment, noise evaluation, commute analysis, and demographic research tools. Use when the user asks about neighborhood researcher or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill...

Builds a complete net worth snapshot by listing all assets (cash, investments, property, vehicles, valuables) minus all liabilities (loans, credit cards, mortgage, other debts). Produces a net worth statement with a tracking template for monitoring changes over time. Use when the user asks about their net worth, wants to calculate assets minus liabilities, or wants to track their financial position over time. Do NOT use for budget creation (use budget-planning), investment advice, or business...

Options trading education covering calls, puts, basic strategies like covered calls and protective puts, an overview of the Greeks, risk management principles, and common beginner mistakes. Focuses on understanding mechanics and managing risk before placing trades. Use when the user asks about options basics trainer, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of options basics trainer or requires a different specializ...

Explains asset allocation concepts including equities, bonds, cash, and real assets. Describes common allocation philosophies and helps the user apply a decision framework to their own risk profile and time horizon. Produces a structured analysis the user can use when building their portfolio. Use when the user asks about asset allocation, how to diversify investments, or how to build a portfolio based on their risk tolerance. Do NOT use for choosing specific investment products or funds, ass...

Portfolio rebalancing education covering target allocation setting, drift threshold strategies, calendar vs threshold triggers, tax-efficient rebalancing methods, rebalancing across multiple account types, and behavioral coaching to maintain discipline through market volatility. Use when the user asks about portfolio rebalancing coach, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of portfolio rebalancing coach or requir...

Step-by-step guidance for property tax appeals including assessment review methodology, comparable property research, the appeal filing process, documentation preparation, hearing preparation strategies, common grounds for tax reduction, appeal timelines, and cost-benefit analysis to determine if appealing is worthwhile. Use when the user asks about property tax appeals or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.

Helps self-employed and freelance earners estimate quarterly tax payments by walking through income projection, deduction netting, and payment calculation. Produces a quarterly payment schedule the user can follow to stay current on tax obligations throughout the year. Use when the user asks about estimated quarterly taxes, how much to set aside for taxes as a freelancer, or how to calculate self-employment tax payments. Do NOT use for filing annual tax returns (use tax-filing-prep), tracking...

Passive real estate investing education covering syndications, crowdfunding platforms, REITs, due diligence frameworks, deal structure analysis, sponsor evaluation, and risk assessment. Helps users understand how to invest in real estate without being a landlord. Use when the user asks about real estate syndication, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of real estate syndication or requires a different specializ...

Explains portfolio rebalancing concepts including drift calculation, threshold triggers, and time-based approaches. Walks through how to calculate allocation drift and documents the steps to restore target allocation. Produces a rebalancing analysis with the user's actual portfolio numbers. Use when the user asks about portfolio rebalancing, how to maintain target allocations, or when to adjust their investment mix. Do NOT use for setting target allocations (use portfolio-allocation-framework...

Expert guidance for rental property investment analysis including key metrics (cap rate, cash-on-cash return, the 1% rule), financing options for investment properties, property management strategies, tenant screening best practices, lease agreement essentials, maintenance budgeting, and strategies for scaling a rental portfolio. Use when the user asks about rental property investor or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.

Comprehensive retirement planning using the 25x rule, 4% safe withdrawal rate, Social Security optimization, 401k employer match maximization, Roth vs Traditional IRA analysis, catch-up contributions, retirement age scenarios, and withdrawal strategies. Use when the user asks about retirement planner, or needs help with comprehensive retirement planning using the 25x rule, 4% safe withdrawal rate, social security optimization, 401k employer match maximization, roth vs traditional ira analysis...

Calculates monthly savings needed to reach a retirement target using compound growth math. The user provides their target amount, time horizon, current savings, and assumed growth rate. The skill computes the required monthly contribution and shows growth trajectories at different rates. Use when the user asks how much to save for retirement, wants to calculate retirement savings needs, or wants to project investment growth over time. Do NOT use for choosing specific investments (use portfoli...

Guides the user through a structured questionnaire to identify their investment risk tolerance based on time horizon, income stability, financial cushion, and emotional response to portfolio fluctuations. Produces a risk profile classification from conservative to aggressive. Use when the user asks about their risk tolerance, wants to assess how much investment risk they can handle, or needs a risk profile before building a portfolio allocation. Do NOT use for choosing specific investments (u...

Maps multiple savings goals (vacation, down payment, education, large purchase) against available monthly surplus, prioritizes competing goals, and creates a funded allocation plan with timelines for each goal. Produces a savings tracker with monthly contribution amounts and milestone dates. Use when the user has multiple savings goals and needs to decide how to split available funds across them. Do NOT use for emergency fund planning (use emergency-fund-planner), investment allocation, or re...

Savings goal planning covering emergency fund calculation (3-6 months), sinking funds, high-yield savings strategy, CD laddering, savings automation, goal prioritization, milestone tracking, and savings rate optimization. Use when the user asks about savings planner, or needs help with savings goal planning covering emergency fund calculation (3-6 months), sinking funds, high-yield savings strategy, cd laddering, savings automation, goal prioritization, milestone tracking, and savings rate op...

Explains self-employment tax concepts for freelancers and sole proprietors including SE tax calculation, the deductible portion, business expense categories, home office rules, and mileage tracking. Uses a jurisdiction-aware framework with placeholder markers for all rates and rules. Use when the user asks about self-employment taxes, freelance tax obligations, or how taxes work when you work for yourself. Do NOT use for estimating quarterly payments (use quarterly-tax-estimator), tracking de...

Side income planning covering skills assessment, market opportunity analysis, time investment vs income matrix, popular side hustles by skill type, legal and tax considerations for 1099 income, scaling strategies, and passive income ideas. Use when the user asks about side hustle advisor, or needs help with side income planning covering skills assessment, market opportunity analysis, time investment vs income matrix, popular side hustles by skill type, legal and tax considerations for 1099 in...

Analyzes the user's spending history against their stated values and financial goals. Identifies misalignments between what the user says they value and where they actually spend money, then recommends specific reallocation amounts to bring spending in line with priorities. Use when the user wants to understand their spending patterns, find misalignments, or optimize how their money is distributed across categories. Do NOT use for setting up expense tracking (use expense-tracking-setup), crea...

Fundamental stock analysis framework covering financial statement analysis, DCF valuation modeling, key financial ratios, stock screening criteria, competitive moat assessment, and earnings quality evaluation. Helps users build a structured research process for evaluating individual equities. Use when the user asks about stock analysis guide, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of stock analysis guide or requir...

Inventories all recurring subscriptions, memberships, and automatic charges. Identifies unused, duplicated, or low-value subscriptions and builds a cancellation priority list with estimated annual savings. Produces a complete subscription inventory with keep/cancel/downgrade recommendations. Use when the user wants to review their subscriptions, reduce recurring charges, or find hidden monthly costs. Do NOT use for full budget creation (use budget-planning), one-time expense analysis (use spe...

Explains the decision framework for choosing and prioritizing tax-advantaged accounts including employer-sponsored plans, individual retirement accounts, and health savings accounts. Helps the user evaluate which accounts to fund based on their situation without prescribing specific actions. Use when the user asks about prioritizing retirement account contributions, maximizing tax-advantaged savings, or deciding between different account types. Do NOT use for understanding account structures ...

Tax preparation support covering common deductions, tax bracket explanations, W-2 vs 1099 differences, estimated tax payments, tax-advantaged accounts (HSA, FSA, 529), filing status optimization, record-keeping requirements, and deadline calendars. Use when the user asks about tax assistant, or needs help with tax preparation support covering common deductions, tax bracket explanations, w-2 vs 1099 differences, estimated tax payments, tax-advantaged accounts (hsa, fsa, 529), filing status opt...

Builds a structured tax deduction tracking system covering common deduction categories with documentation requirements and jurisdiction-aware placeholders. Produces a categorized tracker the user populates throughout the year to maximize legitimate deductions at filing time. Use when the user asks about tracking tax deductions, organizing receipts for taxes, or building a system to document deductible expenses. Do NOT use for filing taxes (use tax-filing-prep), estimating quarterly taxes (use...