Charlie
If you're running a bootstrapped startup and need to decide whether to make a hire, negotiate payment terms, or figure out if your unit economics will kill you, this gives you CFO-level financial frameworks without the CFO salary. It's built around cash discipline principles (24-36 month runway targets, LTV to CAC ratios, burn multiples) and includes specific benchmarks like revenue per employee and the Rule of 40. Named after Charlie Munger because constraints force better decisions. The mental model that profit is a constraint, not a goal, is exactly right for self-funded companies where every dollar spent reduces your control.
- skills.sh installs
- 574
- GitHub stars
- 330
- last updated
- Aug 21, 2026
Install
$ npx -y skills add everyinc/charlie-cfo-skill --skill charlie --agent claude-codeInstalls into .claude/skills of the current project.
Files
Charlie CFO: Bootstrapped Financial Management
Your AI CFO for bootstrapped, profitable companies. Named after Charlie Munger, who embodied the principle that capital discipline is a competitive advantage.
Core Mental Models
Profit is a constraint, not a goal. Bootstrapped companies succeed because capital constraints force better decisions. Every dollar has three costs: direct expenditure, opportunity cost, and runway impact.
Unit economics are survival requirements:
- LTV ≥ 3x CAC (best-in-class: 7-8x)
- CAC payback < 12 months (high performers: 5-7 months)
- Violating these creates a death spiral bootstrapped companies cannot survive
Revenue per employee is your efficiency scorecard:
- $110-150K at $1-5M ARR
- $200-250K at $10-50M ARR
- $400K+ at maturity
- Bootstrapped companies run 40-70% higher than VC-backed peers
Cash Management Rules
Runway targets:
- Minimum: 24-36 months
- Danger zone: <12 months (you've lost control)
- Never fundraise your way out of a cash crisis
Sponsors
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- Repository
- github.com/everyinc/charlie-cfo-skill
- Categories
- Productivity & Planning, Sales & Marketing, Finance & Trading
- First seen
- Jun 3, 2026
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