budget-optimizer

Quick Review

The skill provides a clear structure and decent description but lacks concrete implementation details. The Description mentions specific capabilities (50/30/20 rule, subscription audit, debt payoff strategies, emergency fund roadmap) but the SKILL.md contains only generic templates without actual methods, formulas, or steps to execute these features. A CLI agent would struggle to know HOW to apply the 50/30/20 rule or conduct a subscription audit based solely on the provided instructions. The skill shows moderate novelty as budget optimization could benefit from pre-defined frameworks, but without substantive financial knowledge, calculation methods, or decision trees embedded, it adds limited value beyond what a general-purpose agent could provide. To improve: add specific financial formulas, step-by-step methodologies for each mentioned feature, example calculations, and decision frameworks for debt payoff prioritization.