Personal Finance Mastery
v1.0.0Complete personal finance system — budgeting, debt payoff, investing, tax optimization, net worth tracking, and financial independence planning. Use when man...
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by@1kalin
MIT-0
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LicenseMIT-0 · Free to use, modify, and redistribute. No attribution required.
Security Scan
OpenClaw
Benign
high confidencePurpose & Capability
Name, description, README and SKILL.md all describe budgeting, net worth tracking, debt payoff, investing, tax optimization and related guidance; there are no environment variables, binaries, or install actions that would be unexpected for a purely instructional finance toolkit.
Instruction Scope
The SKILL.md contains templates, checklists, scoring and workflow steps and appears to be guidance-only. It mentions 'Agent automation — daily transaction categorization, weekly summaries, monthly reviews, quarterly rebalancing' but provides no connectors, credentials, or instructions to access bank accounts or external services. That language is potentially ambiguous: the skill itself does not request account access, but an agent using it might be expected to do automation if the user later supplies connectors or credentials.
Install Mechanism
No install specification and no code files are present (instruction-only). This is the lowest-risk install footprint — nothing will be written to disk or downloaded by the skill itself.
Credentials
The skill declares no required environment variables, no credentials, and no config paths. That is proportionate for a methodology/education-style finance skill.
Persistence & Privilege
always is false and the skill can be invoked normally by the agent. While the README references automation, the skill does not request persistent presence or privileged system configuration.
Assessment
This skill is a collection of finance frameworks and templates, not a connector to your bank or broker. It does not request credentials or install code, so it's internally consistent with its stated purpose. Before using it: (1) Do not paste API keys, passwords, or exported transaction files into the skill unless you trust the agent and destination; the skill won't store or transmit anything itself but an agent or other skill might. (2) If you want 'automation' (transaction categorization, scheduled reviews), expect to need separate connectors/credentials — review any additional integration steps carefully and only grant account access to trusted connectors. (3) Verify the remainder of the SKILL.md (the file was truncated in the manifest) for any steps that might ask for data exports or external endpoints. (4) If you plan to let an autonomous agent perform recurring financial actions, consider restricting autonomous invocation and review logs/outputs for sensitive data before sharing.Like a lobster shell, security has layers — review code before you run it.
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License
MIT-0
Free to use, modify, and redistribute. No attribution required.