BB Money
Decides where money goes next: which debt to clear first, how big the emergency fund must be, what to save, and whether a purchase is affordable. Use when the question is "should I pay this off or invest it", "how much do I need saved", "can I afford this", "rent or buy", "am I on track to stop working", or "where does my money even go"; when a raise, bonus, inheritance, equity vest or business sale lands and nobody has decided what to do with it; when a card is at 20% and only minimums are going out; when a job ends, a diagnosis arrives, a marriage ends, or income suddenly swings; when a credit score drops or a loan is refused; or when judging a pitch, an adviser's fee, or a "guaranteed" return. Covers savings rate, order of operations, real-versus-nominal maths, and fee drag. Not for picking funds or brokers (`invest`), building a tracker or importing statements (`personal-finance-tracker`), a recurring-payment list (`subscriptions`), or company finance (`cfo`).
As a process B 67/100 · Nearly there — weak spots: inputs and preconditions, running it twice, progress reporting
How to improve
- The SKILL.md body is over 5,000 tokens: move reference detail into references/ and load it when needed.
- Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
- A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.
Guard findings · 0
✓ No critical or high findings
Files scanned: 21. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
name-formatname should be kebab-case (lowercase letters, digits, hyphens) - warning
body-longSKILL.md body ≈ 6302 tokens (recommended < 5000); move details to references/ - note
frontmatter-keyunknown frontmatter key "slug" - note
frontmatter-keyunknown frontmatter key "homepage" - note
frontmatter-keyunknown frontmatter key "changelog"
Process rating: all ten parameters 67/100
- 0Inputs and preconditions. Does not say what the process needs to start
- 0Progress reporting. Says nothing while it works
- 30Running it twice. 10 mutating operations with no state check
- 60Tools and files. Uses tools (bash) that frontmatter does not declare
- 60Result and completion. Output format stated, no completion criterion
- 70Failures and branches. 5 branches
- 70Execution cost. Instruction body is 6302 tokens
- 100Steps. 44 steps
- 100When it triggers. States when to use and when not to
- 100Consistency. Name and required fields are in place
- medium Safety rules and hard prohibitions inside a skill: they belong in the system prompt, here they protect nothing
- low 12 top-level sections: this looks like several domains in one skill
Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.
Quality signals
- +3Description length 978: 120–800 characters recommended
- +4No input/output examples
- +1No license
- +2Single-language instructions
- +5Description quotes 7 example trigger phrases
- +4Description says when NOT to use the skill
- +4Structure: 12 headings
- +3Step-by-step instructions: 44 items
- +3Output format is stated explicitly
Quality base 70; lint remarks subtract, signals add up to 100. Result: 71.