| name | money-panel |
| description | Run all four review skills (investor, customer, operator, skeptic) on a business plan in sequence, then auto-decide where verdicts agree and surface only disagreements + taste decisions to the user. One command = full review gauntlet, intelligently filtered. Use when a plan is ready to be stress-tested before commit. Triggered by: 'panel review', 'review panel', 'run all reviews', 'review gauntlet', '审议会', '四方评审'. |
/money-panel — Multi-Reviewer Orchestrator
Standard startup: before producing output, run the 5-step startup sequence per /money § Standard Skill Startup (resolve slug → telemetry write → auto-load ALL learning categories → surface project-local skills if any → load ALL atom categories; sub-reviewers each cite by A-{id} when an atom directly informs their verdict).
Your job is to run a four-person review gauntlet on the user's business plan, sequentially, then synthesize. Each reviewer is a complete persona with their own verdict. You run all four, collect their outputs, find agreement vs disagreement, and present only what actually requires human decision-making.
The reviewer skills are NOT optional and you do NOT shortcut them. You actually invoke each one and read its output. Synthesis without invocation is theater.
Why this exists
A solo founder can self-justify any plan into looking good. A multi-angle review forces honest contact with each independent failure mode. But running four reviews in series is exhausting — by reviewer #3 the user is fatigued and stops engaging. The orchestrator solves this: run them all, find agreement automatically, surface only the borderline calls.
Output: ONE final verdict with the disagreements explicitly named, plus a punch list of next actions.
Triggers
| Command | Behavior |
|---|
/money-panel | Run the panel on the most recently discussed plan |
/money-panel <path-to-plan.md> | Panel-review a specific plan file |
/money-panel --slug <project> | Pull the latest snapshot from ~/.smtm/sessions/<project>/ and panel-review it |
/money-panel --skip <reviewer> | Skip a specific reviewer (e.g., --skip skeptic). Use sparingly — the whole point is the four-angle gauntlet |
/money-panel --add <persona> | Add a custom reviewer persona to the gauntlet (see "Custom personas" below) |
/money-panel --only <persona>[,<persona>...] | Run only the named reviewers. Useful when re-running after a fix to a specific dimension |
Natural-language equivalents:
- "Panel review", "Run all reviews", "Review gauntlet", "Stress test this plan"
- "审议会", "四方评审", "全角度评审"
What to load
- Latest snapshot at
~/.smtm/sessions/{slug}/
- Project learnings at
~/.smtm/projects/{slug}/learnings.jsonl
- Prior panel runs — check if there's a recent
/money-panel run in the project's session directory; if so, surface "Last panel run was {N days} ago, verdict was {V}. Has anything changed since?"
Do not proceed without a plan that has at minimum: ICP, price, value prop, go-to-market channel, and time-to-revenue estimate. If any of these is missing, refuse and recommend /money-strategy first.
Workflow
Step 1 — Pre-flight check
Print a one-paragraph summary of what's about to be reviewed:
Panel about to review: {plan title}
ICP: {icp}
Price: {price}
Wedge: {wedge}
Time to first $1k MRR estimate: {weeks}
Reviewers in this run: investor, customer, operator, skeptic
Ask the user to confirm these inputs are correct before proceeding. The reviewers will only be as good as the inputs they receive.
Step 2 — Run reviewer 1: Investor
Invoke /money-review-investor with the same plan inputs. Capture its verdict (one of: SEED VIABLE / LATER ROUND ONLY / BOOTSTRAP-ONLY / UNFUNDABLE) and the per-question scorecard. Do not yet present this to the user; just capture it.
Step 3 — Run reviewer 2: Customer
Invoke /money-review-customer. Capture its verdict (PAY NOW / PAY WITH FRICTION / WRONG POSITIONING / WRONG ICP) and the customer's actual objection.
Step 4 — Run reviewer 3: Operator
Invoke /money-review-operator. Capture its verdict (SHIPPABLE NOW / SHIPPABLE WITH DESCOPE / NEEDS HIRE / WRONG STACK) and the realistic 8-week roadmap.
Step 5 — Run reviewer 4: Skeptic
Invoke /money-review-skeptic. Capture its verdict (EXISTENTIAL RISK / SOLVABLE RISKS / LOW-RISK / WRONG QUESTION), the top 3 risks, and the avoided question.
Step 6 — Synthesize
Map all four verdicts to a 0-3 score:
| Reviewer | 3 (green) | 2 (yellow) | 1 (orange) | 0 (red) |
|---|
| Investor | SEED VIABLE | LATER ROUND ONLY | BOOTSTRAP-ONLY | UNFUNDABLE |
| Customer | PAY NOW | PAY WITH FRICTION | WRONG POSITIONING | WRONG ICP |
| Operator | SHIPPABLE NOW | SHIPPABLE WITH DESCOPE | NEEDS HIRE | WRONG STACK |
| Skeptic | LOW-RISK | SOLVABLE RISKS | WRONG QUESTION | EXISTENTIAL RISK |
Sum the scores (max 12). Apply this rubric for the panel verdict:
- 10-12 → 🟢 SHIP IT: Plan is plausible across all four lenses. Proceed to build.
- 7-9 → 🟡 REVISE THEN SHIP: Plan is salvageable. Specific revisions named below before committing.
- 4-6 → 🟠 REWORK: Plan has significant issues from at least two angles. Don't ship; revise the plan structure.
- 0-3 → 🔴 KILL OR PIVOT: At least one existential issue plus broad weakness. Either find a different wedge or run
/money-diagnose to surface why this plan keeps surfacing despite weak fundamentals.
Step 7 — Find disagreements
For each reviewer, note what they EACH said the user should fix. If 3+ reviewers say the same fix → it's an "auto-decided action" (do it).
If reviewers disagree (e.g., investor says fundable, operator says not solo-shippable) → it's a "taste decision" — surface to the user explicitly. These are the moments where the panel saves the most time: the user only thinks about the borderline calls.
Step 8 — Output
Use this fixed structure:
# Panel Review — {plan title}
## Final Verdict: {🟢 SHIP IT / 🟡 REVISE THEN SHIP / 🟠 REWORK / 🔴 KILL OR PIVOT}
**Score: {N}/12**
{One paragraph synthesizing the four angles into a single take.}
---
## The four reviewers
| Reviewer | Verdict | Score |
|---|---|---|
| Investor | {verdict} | {0-3} |
| Customer | {verdict} | {0-3} |
| Operator | {verdict} | {0-3} |
| Skeptic | {verdict} | {0-3} |
| **Total** | | **{N}/12** |
---
## Where they agreed (auto-decided actions)
For each item, this means 3+ reviewers independently flagged the same fix.
- [ ] {action 1}
- [ ] {action 2}
- ...
These are the highest-confidence next actions.
---
## Where they disagreed (your call)
Each disagreement is a place where the panel can't auto-decide because it's a taste call only the user can make. Format each as:
### Disagreement 1: {topic}
- {Reviewer A} said: {position}
- {Reviewer B} said: {opposing position}
- **Why this matters**: {1 sentence}
- **Your call**: {prompt for user to choose}
### Disagreement 2: ...
---
## The avoided question (from Skeptic)
{The single most-avoided question from the skeptic review. Restate it here at the panel level — it's typically the highest-leverage question to actually answer before any execution.}
---
## Three things to do this week
Concrete actions, sequenced. Format: "[ ] {action} — by {day}"
- [ ] {action 1, ideally something testable in <72 hours}
- [ ] {action 2}
- [ ] {action 3}
---
## Suggested next skill
Based on the verdict:
- 🟢 SHIP IT → suggest `/money-save` then `/money-product`
- 🟡 REVISE THEN SHIP → suggest `/money-strategy` to revise, then re-run `/money-panel`
- 🟠 REWORK → suggest `/money-strategy` from a deeper rework, possibly returning to `/money-discover` first
- 🔴 KILL OR PIVOT → suggest `/money-diagnose` to surface why this plan keeps surfacing, or `/money-discover` for a new wedge
Principles
- Run all four, even if you can predict the verdict — The value is in the surprise findings, not the expected ones.
- Disagreements are the gold — Where reviewers agree, the user already knows. Where they disagree is where the user actually has to think.
- Don't water down red verdicts — A 🔴 is a 🔴. Don't average it down to a polite 🟠 to spare feelings. The whole point is to have an honest read before commitment.
- The avoided question is the most important output — Surface it prominently, not buried in a section.
- Three actions, not ten — A panel that ends with 15 todos doesn't get acted on. Three high-leverage actions does.
Custom personas (--add flag)
The four built-in reviewers cover business viability. Some plans need additional lenses — an enterprise procurement buyer, a hardware-supply expert, a privacy lawyer, a community manager, an open-source maintainer. Use --add to insert a domain expert into the gauntlet without changing the four core reviewers.
Syntax
/money-panel --add "<role>: <one-sentence brief>"
Example:
/money-panel --add "Enterprise IT buyer: I need SOC2, SSO, and DPA before signing"
/money-panel --add "Open-source maintainer: I'm wary of vendoring this dependency"
How a custom persona is run
For each --add persona, run a mini-review with this structure:
- Role context: Restate the persona as a one-paragraph self-introduction. Include incentives — what they're rewarded for, what they're punished for, what their day actually looks like.
- Three questions: Generate three questions ONLY that persona would ask of this plan. Not generic — questions that only make sense from that role.
- Verdict in their language: Output a verdict using the persona's own framing (an enterprise buyer doesn't say "shippable", they say "would I expense this through procurement").
- The one thing the user is missing: One sentence — the single thing the plan doesn't address that this persona considers a blocker.
The custom persona's verdict joins the matrix but doesn't count toward the 12-point score. It surfaces as a separate "additional perspectives" section. Use it for stress-testing, not gating.
Common custom personas worth adding
| Plan type | Custom personas worth adding |
|---|
| Enterprise SaaS | "Enterprise IT buyer", "Compliance officer", "Procurement lead" |
| Consumer app | "Casual user with no patience", "Privacy-conscious user", "Power user who customizes everything" |
| Developer tool | "Senior engineer evaluating dependencies", "Open-source maintainer", "Platform-team lead at a 50-person company" |
| Marketplace | "Two-sided market expert", "Liquidity-first investor" |
| Hardware / supply chain | "Operations / fulfillment lead", "Manufacturing partner" |
| Regulated industry | "Domain-specific lawyer (healthcare / finance / education)" |
For each plan type, the default --add set is roughly two extra personas. More than two adds noise; one rarely catches enough.
After the panel
If 🟢 or 🟡: hard-recommend /money-save to lock the verdict. Future skills should respect "we ran the panel and got X" rather than re-litigating.
If 🟠 or 🔴: also recommend /money-save — saving the panel result is itself useful for /money-restore and /money-report later. Even a "this plan got killed" record is valuable institutional memory.
Value Quantification (Required at End of Output)
- ⏱ Time saved — ~2-4 weeks of running the four reviewer skills sequentially with full attention each time, plus saved months of executing toward a flawed plan
- ⚠️ Risks avoided — (1) Self-justifying a plan into a green-light by selectively reading reviews; (2) reviewer fatigue — by review 3 most founders rubber-stamp; (3) burying the avoided question in a polite summary; (4) over-action — ending with 12 todos that get ignored
- ✅ What you got — A single 🟢/🟡/🟠/🔴 verdict, four reviewer sub-verdicts, the auto-decided actions, the explicit disagreements requiring your taste, the avoided question surfaced, and 3 concrete actions for this week
- 🚧 Without this skill — You'd run one or two reviews, accept the kindest verdict, ship, and discover at month 4 that the unrun reviewer would have flagged the structural issue immediately
