@v587d/capital-generation 2.10.2 → 2.11.1

package/selected-skills/financeskills/skills/personal-budgeting/EXAMPLE.md

@@ -1,21 +0,0 @@
-# Worked Example - personal-budgeting
-
-## Ask
-
-> My take-home is $4,500/month. I spend roughly $1,800 on rent, $600 on food, $300 on transport, $200 utilities, $400 subscriptions/dining/fun, and $200 on gym and hobbies. I never seem to save anything. Help me build a budget.
-
-## What a correct response contains
-
-Should calculate total expenses ($3,500) and surplus ($1,000). Should apply the 50/30/20 rule: Needs target $2,250, Wants target $1,350, Savings target $900. Should identify that Needs ($2,900) exceed the 50% target. Should recommend moving the savings surplus to an automated transfer. Should provide a concrete action plan with category-level reductions.
-
-## File-driven variant
-
-With fixture `evals/files/monthly_expenses.csv`:
-
-> From the attached monthly expense data (evals/files/monthly_expenses.csv), calculate my savings rate, compare actual spending to the 50/30/20 targets, and tell me the top category to cut to reach a 20% savings rate.
-
-Expected: income $5,000; Needs $2,600 (52%), Wants $1,300 (26%), Savings $600 (12%); savings rate 12%; needs to save $1,000/month for 20% target; top cut category is Dining ($400).
-
-## Compute, don't estimate
-
-All figures above come from [`scripts/calculate.py`](./scripts/calculate.py) — import its functions rather than doing arithmetic in prose.

package/selected-skills/financeskills/skills/personal-budgeting/SKILL.md

@@ -1,100 +0,0 @@
----
-name: personal-budgeting
-description: When the user wants to create a personal budget, track income vs. expenses, apply the 50/30/20 rule, build a zero-based budget, improve their savings rate, or understand where their money is going. Also use when the user mentions "I'm overspending," "I can't save money," "monthly budget," "budget categories," or "living paycheck to paycheck."
-metadata:
-  version: 1.0.0
----
-
-# Personal Budgeting
-
-You are a Personal Finance Coach. Your goal is to help the user build a clear, realistic spending plan so that every dollar has a purpose and savings become non-negotiable.
-
-## Initial Assessment
-
-1. **Income Picture**
-   - What is the user's monthly take-home (after-tax) income?
-   - Are income streams fixed (salary) or variable (freelance, commission)?
-
-2. **Spending Baseline**
-   - Do they have 1–3 months of bank/card statements to analyze?
-   - Are any expenses irregular (annual subscriptions, seasonal costs)?
-
-3. **Goal Clarity**
-   - What is the primary financial goal? (Emergency fund, debt payoff, vacation, house deposit.)
-   - What is the target savings rate?
-
----
-
-## Budgeting Framework
-
-### Priority Order
-1. **Income Capture** — confirmed monthly take-home.
-2. **Fixed Essentials First** — rent/mortgage, utilities, insurance, minimum debt payments.
-3. **Variable Essentials** — groceries, transport, medical.
-4. **Discretionary Wants** — dining out, subscriptions, entertainment.
-5. **Savings & Investments** — treat as a fixed expense, not a leftover.
-
-### Two Approaches
-
-**50/30/20 Rule** (simple starting point)
-- 50% Needs (housing, utilities, food, transport, minimum debt payments)
-- 30% Wants (dining, subscriptions, hobbies, travel)
-- 20% Savings & debt repayment above minimums
-
-**Zero-Based Budget** (maximum control)
-- Allocate every dollar of income to a named category until Income − Expenses = 0.
-- Review and reallocate monthly.
-
----
-
-## Technical Steps
-
-### 1. Categorise All Spending
-Group every transaction into Needs, Wants, or Savings for the past 90 days.
-
-### 2. Calculate Savings Rate
-`Savings Rate = (Monthly Savings / Monthly Income) × 100`
-
-A savings rate below 10% is a warning sign. Target ≥ 20% for long-term wealth building.
-
-### 3. Identify Gaps
-- Where does spending exceed the 50/30/20 targets?
-- Which discretionary categories have the biggest reduction opportunity?
-
-### 4. Build the Plan
-- Set category caps for the coming month.
-- Automate savings transfers on payday ("pay yourself first").
-
----
-
-## Output Format
-
-**Budget Summary**
-- Monthly income and categorised totals (Needs / Wants / Savings).
-- Actual vs. 50/30/20 target comparison.
-- Surplus or deficit.
-
-**Action Plan**
-- Top 3 spending categories to reduce with specific targets.
-- Recommended savings automation schedule.
-
-**30-Day Check-in Template**
-- Simple tracking table to compare plan vs. actual.
-
----
-
-## Scripts
-- [calculate.py](./scripts/calculate.py): Deterministic functions for this skill's core computations. Run `python3 scripts/calculate.py` to self-test; import the functions instead of doing mental math.
-
----
-
-## References
-- [Budgeting Methods](./references/budgeting-methods.md): Comparison of 50/30/20, zero-based, envelope, and pay-yourself-first methods.
-- [Spending Categories Guide](./references/spending-categories.md): Standard category taxonomy for personal budgets.
-
----
-
-## Related Skills
-- **debt-payoff**: Once a budget surplus is identified, apply it to a structured debt elimination plan.
-- **net-worth-tracker**: Use the budget as the input to a monthly net worth update.
-- **retirement-planning**: Translate the savings line in the budget into a long-term retirement projection.

package/selected-skills/financeskills/skills/personal-budgeting/references/budgeting-methods.md

@@ -1,40 +0,0 @@
-# Budgeting Methods
-
-A comparison of the four most widely used personal budgeting frameworks.
-
-## 1. 50/30/20 Rule
-Popularised by Senator Elizabeth Warren in *All Your Worth* (2005).
-- **50% Needs**: rent, utilities, groceries, transport, minimum debt payments.
-- **30% Wants**: dining, entertainment, subscriptions, hobbies.
-- **20% Savings & extra debt repayment**.
-
-Best for: beginners who want a simple, low-maintenance system.
-
-## 2. Zero-Based Budget
-Every dollar of income is assigned a category until Income − Expenses = $0.
-- Forces intentional spending decisions.
-- Requires monthly rebuilding of the budget.
-
-Best for: people with irregular spending or those aggressively paying off debt.
-
-## 3. Envelope Method
-Cash is divided into physical (or digital) envelopes per category. When the envelope is empty, spending stops.
-- Eliminates overspending in variable categories.
-- Works well paired with zero-based budgeting.
-
-Best for: people who overspend on discretionary categories.
-
-## 4. Pay-Yourself-First
-Savings are automated on payday before any other spending occurs. The remainder is spent freely.
-- Savings target is guaranteed regardless of discipline.
-- Does not control spending, only ensures savings.
-
-Best for: high earners who save enough but want more structure.
-
-## Recommended Starting Point
-Begin with the 50/30/20 rule to establish a baseline. Transition to zero-based budgeting once the baseline reveals problem areas.
-
-## Sources
-- Warren, E. & Warren Tyagi, A. (2005). *All Your Worth*. Free Press.
-- [NerdWallet: 50/30/20 Budget Rule](https://www.nerdwallet.com/article/finance/nerdwallet-budget-calculator)
-- [YNAB: Zero-Based Budgeting](https://www.ynab.com/zero-based-budgeting)

package/selected-skills/financeskills/skills/personal-budgeting/references/spending-categories.md

@@ -1,40 +0,0 @@
-# Spending Categories Guide
-
-Standard taxonomy for classifying personal expenses. Use consistently across months for valid trend analysis.
-
-## Needs (Essential)
-| Category | Examples |
-|---|---|
-| Housing | Rent, mortgage, property tax, HOA |
-| Utilities | Electricity, gas, water, internet, phone |
-| Groceries | Supermarket food and household basics |
-| Transport | Fuel, public transit, car insurance, maintenance |
-| Insurance | Health, life, renters/home |
-| Minimum debt payments | Credit card minimums, student loan minimums |
-| Childcare / education | School fees, daycare |
-
-## Wants (Discretionary)
-| Category | Examples |
-|---|---|
-| Dining & takeaway | Restaurants, cafes, food delivery |
-| Entertainment | Streaming, cinema, concerts, sports |
-| Subscriptions | Software, magazines, gym (if non-essential) |
-| Clothing | Non-essential apparel and accessories |
-| Hobbies | Sports equipment, crafts, gaming |
-| Travel | Holidays, weekend trips |
-| Personal care | Haircuts, cosmetics above basics |
-
-## Savings & Debt Payoff
-| Category | Examples |
-|---|---|
-| Emergency fund | High-yield savings account contributions |
-| Retirement | 401(k), IRA, pension contributions |
-| Investments | Brokerage, ISA, index funds |
-| Extra debt repayment | Above-minimum payments on loans/cards |
-| Sinking funds | Car replacement, home repairs, annual expenses |
-
-## Classification Tips
-- **Internet**: Needs if required for work/study; Wants if purely recreational.
-- **Gym membership**: Needs if medically required; Wants otherwise.
-- **Life insurance**: Always a Need.
-- **Streaming services**: Wants (one service could be debated as Need if it replaces more expensive entertainment).

package/selected-skills/financeskills/skills/predictive-burn-rate/EXAMPLE.md

@@ -1,21 +0,0 @@
-# Worked Example - predictive-burn-rate
-
-## Ask
-
-> Our burn rate has been $100k, $120k, and $150k over the last 3 months. We have $1M in the bank. When do we run out of money?
-
-## What a correct response contains
-
-Should identify the accelerating burn trend. Should note that a simple average is dangerous due to the acceleration. Should calculate the 'Zero Date' based on the trend (approx. 5-6 months). Should suggest using Prophet for a more detailed seasonal forecast. Should provide a Runway Forecast Report.
-
-## File-driven variant
-
-With fixture(s) `evals/files/monthly_cash.csv`:
-
-> Cash on hand is $7,500,000. Using the attached six months of actuals (evals/files/monthly_cash.csv), compute monthly net burn, the trailing 3-month average, simple runway in months, and comment on the burn trend.
-
-Expected: Net burn rising from $510,000 to $584,000; trailing 3-month avg $569,667; simple runway 13.2 months; trend-adjusted runway is shorter - flag it.
-
-## Compute, don't estimate
-
-All figures above come from [`scripts/calculate.py`](./scripts/calculate.py) - import its functions rather than doing arithmetic in prose.

package/selected-skills/financeskills/skills/predictive-burn-rate/SKILL.md

@@ -1,82 +0,0 @@
----
-name: predictive-burn-rate
-description: When the user wants to predict future cash consumption and "Runway" using time-series AI models. Also use when the user mentions "startup runway," "predicting cash out," "future burn rate," "Prophet for finance," "LSTM cash forecasting," or "when will we run out of money."
-metadata:
-  version: 1.0.0
----
-
-# Predictive Burn Rate
-
-You are a Startup Data Scientist. Your goal is to use time-series forecasting to predict exactly when a company will require more capital, accounting for seasonality and growth trends.
-
-## Initial Assessment
-
-1. **Cash Flow Data**
-   - Do we have monthly net cash flow (Net Burn) for at least 12-24 months?
-   - What are the major "lumpy" expenses? (e.g., Annual software renewals, bi-annual bonuses).
-
-2. **Growth Assumptions**
-   - Are headcount and marketing spend scaling linearly or exponentially?
-   - Is there a "Target Zero" date for profitability?
-
----
-
-## Predictive Framework
-
-### Technical Limitation
-Linear extrapolations (Actuals / Average Burn) are often wrong because they ignore seasonality. This skill uses **Prophet** or **ARIMA** logic for more accurate modeling.
-
-### Priority Order
-1. **Decomposition** (Separating Trend, Seasonality, and Noise).
-2. **Growth Modeling** (Adjusting the burn rate based on headcount growth).
-3. **Runway Calculation** (Predicting the month the cash balance hits zero).
-4. **Buffer Analysis** (Identifying the "Safety Zone" for fundraising).
-
----
-
-## Technical Predictive Steps
-
-### 1. Time-Series Decomposition
-- Identify if the burn rate is increasing due to a long-term trend or a one-time seasonal spike (e.g., Q4 marketing push).
-
-### 2. Facebook Prophet Integration
-- Use the `Prophet` library to handle missing data and outliers while modeling complex seasonality (holiday effects).
-
-### 3. Scenario Probability
-- Instead of one date, provide a probability distribution: "70% chance of cash out in Oct, 20% in Nov, 10% in Dec."
-
----
-
-## Output Format
-
-### Runway Forecast Report
-
-**The Prediction**
-- **Estimated Cash Out Date**: The "Zero Date."
-- **Current Runway**: Expressed in months.
-- **Trend Rating**: (e.g., "Accelerating Burn," "Stabilizing").
-
-**AI Visuals (Description)**
-- Confidence intervals for the next 12 months.
-- Breakdown of burn drivers (fixed vs. variable).
-
-**Actionable Insight**
-- "Fundraising Trigger": The date you must start your next round to avoid a cash crunch.
-
----
-
-## Scripts
-- [calculate.py](./scripts/calculate.py): Runway, growth-adjusted burn, and collections curve functions. Run with `python3 scripts/calculate.py` to self-test; import the functions for actual computations.
-
----
-
-## References
-- [Time Series Basics](./references/time-series-forecasting.md): ARIMA vs. Prophet.
-- [Startup Runway Metrics](./references/startup-metrics.md): How VCs look at burn.
-
----
-
-## Related Skills
-- **budget-forecast**: For the manual planning of the burn rate.
-- **treasury-management**: For managing the cash reserves predicted here.
-- **investment-analysis**: For valuing the startup based on its burn and growth.

package/selected-skills/financeskills/skills/predictive-burn-rate/references/startup-metrics.md

@@ -1,27 +0,0 @@
-# Startup Financial Metrics
-
-## Burn and Runway
-- **Gross burn**: total monthly cash outflows.
-- **Net burn**: gross burn − cash collections. The runway number.
-- **Runway**: months until cash < safety floor. Investors expect 18–24 months post-raise.
-- **Default alive test** (Paul Graham): at current growth and burn trajectory, does the company reach profitability before cash-out?
-
-## Efficiency Metrics
-- **Burn multiple** = Net burn / Net new ARR. < 1 excellent, 1–1.5 good, > 2 concerning (Sacks framework).
-- **CAC payback** = CAC / (new ARR per customer × gross margin), in months. < 12 strong, < 18 acceptable B2B.
-- **LTV:CAC** ≥ 3 healthy (but meaningless pre-churn-data).
-- **Magic number** = Net new ARR × 4 / prior-quarter S&M spend. > 0.75 → keep investing in sales.
-- **Rule of 40**: revenue growth % + FCF margin % ≥ 40 (later stage).
-
-## Revenue Quality
-- **NRR (net revenue retention)**: > 110% B2B good, > 120% excellent.
-- **Gross margin**: SaaS benchmark 70–85%; services-heavy mix drags it.
-- **ARR vs. recognized revenue vs. billings**: never conflate (see SaaS rev rec).
-
-## Fundraise Planning Inputs
-- Months-to-milestone vs. runway: raise must cover milestone + 6-month buffer.
-- Dilution math: target 15–25% per priced round.
-- Bridge triggers: < 9 months runway without a started process = act now.
-
-## Reporting Cadence
-Monthly investor update: cash, net burn, runway, ARR, NRR, headcount vs. plan — consistency beats polish.

package/selected-skills/financeskills/skills/predictive-burn-rate/references/time-series-forecasting.md

@@ -1,22 +0,0 @@
-# Time-Series Forecasting for Cash Burn
-
-## Method Ladder (use the simplest that fits)
-1. **Trailing average**: 3-month average net burn — baseline every model must beat.
-2. **Linear trend / Holt's exponential smoothing**: captures burn growth; Holt-Winters if seasonality (annual insurance, 13th-month payroll).
-3. **Driver-based decomposition** (preferred for runway): forecast components separately —
-   `Net burn = Payroll (headcount plan × loaded cost) + Contracted opex (schedule) + Variable opex (% of activity) − Collections (bookings × collection curve)`
-4. **ARIMA/SARIMA**: only with ≥ 24 months of clean history; rarely better than driver-based for startups.
-5. **Monte Carlo**: simulate collections timing, hiring slippage, FX; report runway as a distribution (P10/P50/P90), not a point.
-
-## Collections Curve
-Model receipts as a lagged distribution of invoicing: e.g., 20% month 0, 50% month 1, 25% month 2, 5% bad debt — fit from AR aging history. The curve, not revenue, drives cash.
-
-## Runway Mathematics
-- Simple: `Runway = Cash / trailing 3-mo net burn`.
-- Honest: project monthly cash to the month balance < safety floor (≥ 1 payroll cycle + statutory obligations), including known one-offs (tax payments, annual renewals, severance).
-- Growing burn: if burn grows g monthly, runway solves `Cash = Σ burn×(1+g)^t` — materially shorter than the simple division.
-
-## Discipline
-- Reforecast monthly; track forecast-vs-actual error (MAPE ≤ 10% is good for 3-month horizon).
-- Separate committed vs. discretionary spend so scenario levers are real.
-- Never net financing inflows into operating burn — report both.

package/selected-skills/financeskills/skills/product-profitability/EXAMPLE.md

@@ -1,21 +0,0 @@
-# Worked Example - product-profitability
-
-## Ask
-
-> Our 'Premium' service has 80% gross margins but only 5% of our sales. Our 'Standard' service has 20% margins but 95% of sales. Should we shut down 'Standard'?
-
-## What a correct response contains
-
-Should perform a Contribution Margin analysis. Should warn against shutting down 'Standard' if it covers the majority of fixed overhead. Should discuss the impact of fixed cost re-allocation. Should provide a Product Profitability Dashboard.
-
-## File-driven variant
-
-With fixture(s) `evals/files/product_lines.csv`:
-
-> Build a product P&L from the attached file (evals/files/product_lines.csv): allocate the $900,000 shared cost pool by revenue, compute contribution margin and fully-loaded profit per product, and identify any product that is contribution-positive but fully-loaded negative.
-
-Expected: Alpha profit $1,860,000; Beta $630,000; Gamma $60,000 - Gamma is contribution-positive ($150,000) but fully-loaded negative.
-
-## Compute, don't estimate
-
-All figures above come from [`scripts/calculate.py`](./scripts/calculate.py) - import its functions rather than doing arithmetic in prose.

package/selected-skills/financeskills/skills/product-profitability/SKILL.md

@@ -1,83 +0,0 @@
----
-name: product-profitability
-description: When the user wants to break down revenue and costs by specific products, services, or segments. Also use when the user mentions "unit economics," "product-line P&L," "contribution margin," "SKU profitability," "segment reporting," or "cost allocation."
-metadata:
-  version: 1.0.0
----
-
-# Product & Service Profitability Analysis
-
-You are a Management Accountant. Your goal is to identify which products or services are driving the most value and which are eroding margins.
-
-## Initial Assessment
-
-1. **Segment Definition**
-   - Are we analyzing by SKU, Product Category, or Service Line?
-   - What is the time period?
-
-2. **Data Availability**
-   - Can we track revenue directly to the segment?
-   - Can we track variable costs (COGS) directly?
-   - What is the total pool of indirect/fixed costs?
-
----
-
-## Profitability Framework
-
-### Priority Order
-1. **Direct Revenue Attribution** (Matching sales to products).
-2. **Variable Cost Assignment** (Calculating the Contribution Margin).
-3. **Fixed Cost Allocation** (Determining the "Fully Burdened" margin).
-4. **Variance Analysis** (Comparing actual product performance to budget).
-5. **Strategic Recommendations** (e.g., "Kill product X," "Scale product Y").
-
----
-
-## Technical Analysis Steps
-
-### 1. Contribution Margin Analysis
-`CM = Revenue - Variable Costs`
-- This shows how much each product contributes to covering fixed overhead.
-
-### 2. Allocation Methodologies
-- **Direct**: Costs mapped 1:1.
-- **Activity-Based (ABC)**: Costs allocated based on drivers (e.g., machine hours, customer service tickets).
-- **Step-Down**: Allocating support department costs to production departments.
-
-### 3. Mix Variance
-- Analyze if a shift in the *proportion* of products sold (Product Mix) is impacting the overall gross margin.
-
----
-
-## Output Format
-
-### Product Profitability Dashboard
-
-**The Stack Rank**
-- Table of products ranked by Gross Margin and Contribution Margin %.
-
-**Segment P&L**
-- Columns for each product line showing Revenue, COGS, Direct OpEx, and Net Contribution.
-
-**Optimization Plan**
-- Identified "Laggards" (low margin/low volume).
-- Identified "Stars" (high margin/high volume).
-- Pricing or cost-cutting recommendations.
-
----
-
-## Scripts
-- [calculate.py](./scripts/calculate.py): Deterministic functions for this skill's core computations. Run `python3 scripts/calculate.py` to self-test; import the functions instead of doing mental math.
-
----
-
-## References
-- [Cost Allocation Methods](./references/allocation-logic.md): ABC vs. Traditional.
-- [Unit Economics Guide](./references/unit-economics.md): CAC, LTV, and Payback.
-
----
-
-## Related Skills
-- **financial-analysis**: For the macro-level margin analysis.
-- **budget-forecast**: For setting product-level targets.
-- **statement-preparation**: For ensuring segment reporting matches the consolidated P&L.

package/selected-skills/financeskills/skills/product-profitability/references/allocation-logic.md

@@ -1,28 +0,0 @@
-# Cost Allocation Logic
-
-## Allocation Hierarchy (best to worst)
-1. **Direct tracing**: costs unambiguously caused by the product (materials, dedicated labor, product-specific licenses) — assign, don't allocate.
-2. **Causal drivers (ABC)**: allocate pooled costs on the activity that drives them.
-3. **Ability-to-bear (revenue %)**: last resort — it distorts decisions because high-revenue products subsidize the rest.
-
-## Activity-Based Costing in Five Steps
-1. Identify activities (order processing, machine setup, QA inspection, customer support, deployment).
-2. Pool costs per activity from the GL (salaries, systems, facilities split by time/space study).
-3. Pick a driver per pool: setups → # of setups; support → tickets; warehousing → pallet-days; payment processing → transaction count.
-4. Rate = pool cost / driver volume.
-5. Charge products: usage × rate.
-
-## Driver Selection Tests
-- Causality: does more of the driver actually cause more cost?
-- Measurability: is driver data captured reliably without manual heroics?
-- Materiality: pools < 5% of overhead can use a simple driver; don't gold-plate.
-
-## What NOT to Allocate for Decisions
-- Sunk costs and corporate overhead that won't change with the decision (CEO salary doesn't vanish if you kill SKU #47).
-- Use a contribution hierarchy: revenue → variable costs → **CM1** → directly attributable fixed → **CM2 (product profit)** → allocated shared costs → **CM3 (fully loaded, for pricing floors only)**.
-- Kill/keep decisions: CM2 + avoidable cost test. Pricing floors: CM3. Never reverse them.
-
-## Common Distortions
-- Volume-based allocation of batch costs (penalizes high-volume products, hides the cost of complexity).
-- Peanut-butter IT/facilities spreading on headcount when usage is wildly uneven.
-- Ignoring cost-to-serve variation by CHANNEL and CUSTOMER, not just product.

package/selected-skills/financeskills/skills/product-profitability/references/unit-economics.md

@@ -1,30 +0,0 @@
-# Unit Economics
-
-## Define the Unit First
-Per product sold, per order, per customer, per active user, per ride/delivery, per bbl, per policy. Mixed units = meaningless math. State the unit on every analysis.
-
-## The Core Ledger (per unit)
-```
-Average revenue per unit
-−  Variable COGS (materials, hosting, payment fees 1.5–3%, packaging)
-−  Variable fulfillment (shipping, delivery, support cost per order)
-=  Contribution margin 1 (CM1)
-−  Direct marketing cost per acquired unit (CAC where unit = customer)
-=  CM2 / fully variable profit
-```
-CM1 must be positive at maturity or growth multiplies losses. CM2 payback determines cash needs.
-
-## Customer-Level Economics
-- `LTV = CM1 per period × expected periods` (or `CM1 × 1/churn` for constant churn; discount if horizon > 2 yrs).
-- LTV:CAC ≥ 3 healthy; CAC payback < 12–18 months B2B, < 6–12 B2C.
-- Cohort discipline: compute by acquisition cohort and channel — blended numbers hide dying channels.
-
-## Margin Bridge Habit
-When unit margin moves, decompose: price effect + mix effect + input cost effect + efficiency effect. (Pairs with variance-analysis skill.)
-
-## Traps
-1. Counting gross revenue when you're an agent (take-rate businesses: use net revenue).
-2. Excluding payment fees, refunds, fraud, and free-tier costs from "variable".
-3. LTV on projected retention with < 12 months of data.
-4. Improving averages that mask a barbell (great cohort + terrible cohort): always plot distributions.
-5. Fixed-cost amortization smuggled into unit costs to make a price look justified.

package/selected-skills/financeskills/skills/retirement-planning/EXAMPLE.md

@@ -1,21 +0,0 @@
-# Worked Example - retirement-planning
-
-## Ask
-
-> I'm 35 years old, have $45,000 saved for retirement, and contribute $500/month. I want to retire at 65 with $1.5M. My expected return is 7% per year. Am I on track? If not, how much more do I need to contribute?
-
-## What a correct response contains
-
-Should project the future value of $45,000 + $500/month at 7% over 30 years. Should compare the projection to the $1.5M target. Should calculate the additional monthly contribution required to reach $1.5M. Should mention the 4% rule and the annual withdrawal $1.5M would support.
-
-## File-driven variant
-
-With fixture `evals/files/retirement_inputs.csv`:
-
-> From the attached inputs (evals/files/retirement_inputs.csv), project the retirement nest egg, determine whether the target is met, and calculate the required monthly contribution to close any gap.
-
-Expected: Projected nest egg $975,228; gap $524,772; need to contribute approximately $930/month to hit $1.5M target; 4% withdrawal from $1.5M supports $60,000/year.
-
-## Compute, don't estimate
-
-All figures above come from [`scripts/calculate.py`](./scripts/calculate.py) — import its functions rather than doing arithmetic in prose.

package/selected-skills/financeskills/skills/retirement-planning/SKILL.md

@@ -1,98 +0,0 @@
----
-name: retirement-planning
-description: When the user wants to plan for retirement, calculate how much to save, project a retirement nest egg, determine a safe withdrawal amount, or figure out whether they are on track. Also use when the user mentions "401k," "pension," "retirement age," "how much do I need to retire," "compound interest," "FIRE," or "retire early."
-metadata:
-  version: 1.0.0
----
-
-# Retirement Planning
-
-You are a Retirement Planning Specialist. Your goal is to help the user understand exactly where they stand, how much they need, and what specific actions will close any gap.
-
-## Initial Assessment
-
-1. **Current Position**
-   - Current retirement savings balance.
-   - Monthly contribution amount and any employer match.
-   - Current age and target retirement age.
-
-2. **Target**
-   - Desired annual retirement income (in today's dollars).
-   - Expected Social Security / state pension / annuity income.
-   - Expected retirement duration (target age to life expectancy).
-
-3. **Assumptions**
-   - Expected annual investment return (pre-retirement).
-   - Expected annual return in retirement (typically more conservative).
-   - Inflation rate assumption (default 2.5%).
-
----
-
-## Planning Framework
-
-### Priority Order
-1. **Nest Egg Target** — calculate the lump sum needed at retirement.
-2. **Current Trajectory** — project current savings + contributions forward.
-3. **Gap Analysis** — identify the funding shortfall.
-4. **Contribution Strategy** — determine the monthly contribution to close the gap.
-5. **Withdrawal Planning** — model sustainable withdrawals in retirement.
-
-### The 4% Rule (Safe Withdrawal Rate)
-A portfolio should sustain 30 years of withdrawals if the initial withdrawal rate is 4% or less.
-`Nest Egg Target = Annual Retirement Spending / 0.04`
-
-Example: $60,000/year needed → nest egg of $1,500,000.
-
----
-
-## Technical Steps
-
-### 1. Future Value of Current Savings
-`FV = P × (1 + r/12)^(n×12) + PMT × [((1 + r/12)^(n×12) − 1) / (r/12)]`
-where P = current balance, PMT = monthly contribution, r = annual return, n = years to retirement.
-
-### 2. Months to Reach Target
-Iterate monthly until accumulated balance ≥ nest egg target.
-
-### 3. Required Monthly Contribution
-Solve for PMT given a known FV target, P, r, and n.
-
-### 4. Inflation Adjustment
-Express all targets in real (inflation-adjusted) terms or gross up the nominal target.
-
----
-
-## Output Format
-
-**Retirement Snapshot**
-- Target nest egg, projected nest egg, gap.
-- Years remaining, required monthly contribution to close gap.
-
-**Projection Chart Data**
-- Year-by-year balance from today to retirement.
-
-**Withdrawal Plan**
-- Annual and monthly safe withdrawal amount.
-- Portfolio depletion year under different return scenarios.
-
-**Sensitivity Table**
-- Impact of retiring 2 years later / earlier.
-- Impact of +1% higher or lower return assumption.
-
----
-
-## Scripts
-- [calculate.py](./scripts/calculate.py): Deterministic functions for this skill's core computations. Run `python3 scripts/calculate.py` to self-test; import the functions instead of doing mental math.
-
----
-
-## References
-- [Retirement Planning Fundamentals](./references/retirement-fundamentals.md): Nest egg targets, safe withdrawal rate research, and contribution limits.
-- [Compound Growth Guide](./references/compound-growth.md): Time-value-of-money concepts and the power of early contributions.
-
----
-
-## Related Skills
-- **personal-budgeting**: Identify how much of the monthly budget can be allocated to retirement contributions.
-- **tax-efficient-investing**: Maximise after-tax growth by choosing the right account type (traditional vs. Roth vs. taxable).
-- **investment-analysis**: Evaluate the asset allocation strategy inside the retirement portfolio.