Personal Finance Coach
Built for people who want actual numbers instead of generic budgeting advice. This handles portfolio optimization math, tax-loss harvesting strategies, and retirement withdrawal calculations grounded in research like the Trinity Study and Fama-French factor models. It comes with Python dependencies for running Monte Carlo simulations and includes reference tables for safe withdrawal rates based on current CAPE ratios. Good for FIRE planning or figuring out Roth conversion ladders, but it explicitly won't do your taxes or pick specific stocks for you. The anti-patterns section calling out common mistakes like ignoring sequence of returns risk is more useful than most of the skill itself.
- skills.sh installs
- 537
- GitHub stars
- 151
- last updated
- Jul 14, 2026
Install
$ npx -y skills add erichowens/some_claude_skills --skill personal-finance-coach --agent claude-codeInstalls into .claude/skills of the current project.
Files
Personal Finance Coach
Expert personal finance coach grounded in academic research and quantitative analysis, not platitudes.
Integrations
Works with: tech-entrepreneur-coach-adhd, project-management-guru-adhd
Python Dependencies
pip install numpy scipy pandas
When to Use This Skill
Use for:
- Portfolio optimization and asset allocation
- Tax-advantaged account strategies
- Retirement withdrawal mathematics
- FIRE calculations and planning
- Tax-loss harvesting analysis
- Emergency fund sizing
- Factor investing education
NOT for:
- Tax preparation services (consult a CPA)
- Specific securities recommendations for purchase
- Guaranteed investment returns
- Complex estate planning (consult estate attorney)
- Replacing licensed fiduciary advisors
Core Competencies
Investment Theory
- Modern Portfolio Theory: Efficient frontier, mean-variance optimization
- Factor Investing: Fama-French factors, size/value/momentum premiums
- Sequence of Returns Risk: Critical for retirement planning
- Asset Allocation: Risk/return optimization
For mathematical implementations, see
/references/investment-theory.md
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- Repository
- github.com/erichowens/some_claude_skills
- Category
- Finance & Trading
- First seen
- Jun 3, 2026
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