| name | financial-checkup |
| description | Run an annual (or anytime) financial health check across the key areas — so you catch problems and opportunities instead of drifting. Use when asked do a financial checkup, am I doing okay financially, review my finances, or financial health check. Produces a structured review across the core areas (safety net, debt, spending, saving/investing, protection, and goals), a clear read on what's healthy vs needs attention, the highest-priority fixes, and a couple of easy wins — a financial physical that turns 'I think I'm fine?' into an honest, actionable picture. Educational, not financial advice. |
| homepage | https://mohitagw15856.github.io/pm-claude-skills/skill/financial-checkup.html |
| metadata | {"openclaw":{"emoji":"🧠"}} |
Financial Checkup
Most people never actually look at their whole financial picture — they drift, hope it's fine, and miss both problems and easy wins. A periodic checkup fixes that: a structured pass across the key areas of financial health, flagging what's solid, what needs attention, and what to fix first. It's a financial physical — quick, honest, and actionable. Educational, not financial advice.
What This Skill Produces
- A full-picture review — across the core areas: emergency fund, debt, spending/cash flow, saving & investing, protection (insurance/estate basics), and progress toward goals
- A health read per area — 🟢 healthy / 🟡 needs attention / 🔴 problem, honestly
- The priority fixes — the few highest-impact things to address, in order
- A couple of easy wins — quick, low-effort improvements (a fee to cut, a rate to switch, an auto-transfer to set up)
- A recheck cadence — when to do it again (annually, or after a big life change)
Required Inputs
Ask for these if not provided:
- The basics — income, rough spending, savings, debts (and rates), and what's automated
- Protection — do you have appropriate insurance and any estate basics (will, beneficiaries)
- Your goals — what you're saving toward and whether you're on track
- Life changes — anything recent (new job, kid, move) that shifts the picture
Framework: Check Each Area, Prioritize The Fixes
- Cover the core areas. Emergency fund, debt, cash flow, saving/investing, protection, and goals — a gap in any one is a risk, so check them all, not just the fun ones.
- Rate each honestly. Healthy / needs attention / problem — based on sensible benchmarks (e.g. does the emergency fund cover a few months; is high-interest debt being tackled).
- Find the problems and the opportunities. Both the risks (no safety net, uninsured, high-interest debt) and the easy money left on the table (fees, unswept cash, unclaimed match).
- Prioritize the fixes. The few highest-impact actions first — usually safety net, high-interest debt, and any protection gap.
- Bank easy wins. A couple of quick, satisfying improvements to build momentum.
- Set the recheck. Annually or after a life change, so it doesn't drift again.
Output Format
Financial checkup
| Area | Health | Notes |
|---|
| Emergency fund | 🟢/🟡/🔴 | [read] |
| Debt | | |
| Spending / cash flow | | |
| Saving & investing | | |
| Protection (insurance/estate) | | |
| Goals progress | | |
Fix first (priority): [the highest-impact 2–3].
Easy wins: [quick improvements — a fee/rate/auto-transfer].
Recheck: [annually / after a life change].
Educational, not financial advice. Benchmarks are general; your right answers depend on your situation. Consider a fee-only adviser for personal guidance.
Quality Checks
Anti-Patterns
- Only looking at investments and ignoring protection/safety net.
- No prioritization — a flat list of everything.
- Missing the easy wins (fees, unswept cash, unclaimed match).
- Vague "you're probably fine."
- Personalized financial advice rather than an educational check.
Example Trigger Phrases
- "Do a financial checkup on me — am I doing okay?"
- "Review my finances and tell me what to fix."
- "Financial health check — where are my gaps?"
- "It's a new year — help me review my money situation."
- "Am I financially healthy, and what should I prioritize?"
