openclaw-node-harness 2.0.0

package/skills/business-health-diagnostic/SKILL.md

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+---
+name: business-health-diagnostic
+description: "Use when you need a holistic SaaS health check. Diagnoses growth, retention, unit economics, and capital efficiency to identify red flags, deliver a health scorecard, and prioritize urgent actions by severity."
+type: interactive
+triggers:
+  - "how healthy is my SaaS business"
+  - "run a business health diagnostic"
+  - "prepare metrics for our board meeting"
+  - "identify red flags in our SaaS metrics"
+  - "are our unit economics sustainable"
+negative_triggers:
+  - "help me write a business plan"
+  - "what SaaS tools should I use"
+  - "explain what NRR means"
+---
+
+
+## Purpose
+
+Diagnose overall SaaS business health by analyzing growth, retention, unit economics, and capital efficiency metrics together. Use this to identify problems early, prioritize actions by urgency, and deliver a comprehensive health scorecard for board meetings, quarterly reviews, or fundraising preparation.
+
+This is not a single-metric check—it's a holistic diagnostic that connects revenue, retention, economics, and efficiency to reveal systemic issues and opportunities.
+
+## Key Concepts
+
+### The Business Health Framework
+
+A SaaS business is healthy when four dimensions work together:
+
+1. **Growth & Retention** — Are you growing and keeping customers?
+   - Revenue growth rate
+   - NRR (Net Revenue Retention)
+   - Churn rate
+   - Quick Ratio
+
+2. **Unit Economics** — Is the business model profitable at the customer level?
+   - CAC (Customer Acquisition Cost)
+   - LTV (Lifetime Value)
+   - LTV:CAC ratio
+   - Payback period
+   - Gross margin
+
+3. **Capital Efficiency** — Are you using cash efficiently?
+   - Burn rate
+   - Runway
+   - Rule of 40
+   - Magic Number
+
+4. **Strategic Position** — Are you positioned for sustainable success?
+   - Market positioning (below, at, above market pricing)
+   - Competitive moat (network effects, data, brand)
+   - Revenue concentration risk
+   - Operating leverage
+
+### Stage-Specific Benchmarks
+
+**Early Stage (Pre-$10M ARR):**
+- Focus: Product-market fit, unit economics
+- Growth: >50% YoY
+- LTV:CAC: >3:1
+- Gross Margin: >70%
+- Runway: >12 months
+- Acceptable: Negative margins, high burn (if unit economics work)
+
+**Growth Stage ($10M-$50M ARR):**
+- Focus: Scaling efficiently
+- Growth: >40% YoY
+- NRR: >100%
+- Rule of 40: >40
+- Magic Number: >0.75
+- Acceptable: Moderate burn if growth is strong
+
+**Scale Stage ($50M+ ARR):**
+- Focus: Profitability, efficiency
+- Growth: >25% YoY
+- NRR: >110%
+- Rule of 40: >40
+- Profit Margin: >10%
+- Required: Positive or near-positive cash flow
+
+### Red Flag Categories
+
+**Critical (Fix immediately):**
+- Runway <6 months
+- LTV:CAC <1.5:1
+- Churn accelerating cohort-over-cohort
+- NRR <90%
+- Magic Number <0.3
+
+**High Priority (Fix within quarter):**
+- Rule of 40 <25
+- Payback >24 months
+- Quick Ratio <2
+- Gross margin <60%
+- Revenue concentration >50% in top 10 customers
+
+**Medium Priority (Address within 6 months):**
+- NRR 90-100% (flat, not growing)
+- Magic Number 0.3-0.5
+- Operating leverage negative
+- Churn rate stable but high (>5% monthly)
+
+### Anti-Patterns (What This Is NOT)
+
+- **Not a single metric:** "Revenue is growing 50%, we're great!" (ignoring burn, churn, unit economics)
+- **Not stage-agnostic:** Early-stage burn is acceptable; scale-stage burn is a problem
+- **Not static:** Health is directional—are metrics improving or degrading?
+- **Not just numbers:** Context matters (competitive pressure, market changes, team capacity)
+
+### When to Use This Framework
+
+**Use this when:**
+- Preparing for board meetings or investor updates
+- Quarterly business reviews (QBR)
+- Fundraising preparation (know your numbers)
+- Annual planning (identify improvement areas)
+- You suspect problems but can't pinpoint them
+- New PM/exec joining and needs health assessment
+
+**Don't use this when:**
+- You're pre-revenue (focus on product-market fit first)
+- You're in pure research mode (not enough data)
+- You need tactical guidance (use specific skills: feature, channel, pricing)
+
+---
+
+### Facilitation Source of Truth
+
+Use [`workshop-facilitation`](../workshop-facilitation/SKILL.md) as the default interaction protocol for this skill.
+
+It defines:
+- session heads-up + entry mode (Guided, Context dump, Best guess)
+- one-question turns with plain-language prompts
+- progress labels (for example, Context Qx/8 and Scoring Qx/5)
+- interruption handling and pause/resume behavior
+- numbered recommendations at decision points
+- quick-select numbered response options for regular questions (include `Other (specify)` when useful)
+
+This file defines the domain-specific assessment content. If there is a conflict, follow this file's domain logic.
+
+## Application
+
+This interactive skill asks **up to 4 adaptive questions**, then delivers a comprehensive diagnostic with prioritized recommendations.
+
+---
+
+### Step 0: Gather Context
+
+**Agent asks:**
+
+"Let's diagnose your business health. I'll need metrics across four dimensions: growth, retention, unit economics, and capital efficiency.
+
+**Company context:**
+- Stage: (Pre-$10M ARR, $10M-$50M ARR, $50M+ ARR)
+- Business model: (PLG, sales-led, hybrid)
+- Target market: (SMB, mid-market, enterprise, mixed)
+
+**Why this matters:** Benchmarks vary by stage. Early-stage optimizes for growth; scale-stage optimizes for efficiency.
+
+Please provide the following metrics. Use 'unknown' if you don't have a metric."
+
+---
+
+### Step 1: Growth & Retention Metrics
+
+**Agent asks:**
+
+"**Growth & Retention:**
+
+1. **Revenue:**
+   - Current MRR or ARR: $___
+   - Revenue growth rate: ___% (MoM or YoY)
+
+2. **Retention:**
+   - Monthly churn rate: ___%
+   - NRR (Net Revenue Retention): ___%
+   - Quick Ratio: ___ (or I can calculate it)
+
+3. **Expansion:**
+   - Expansion revenue as % of total MRR: ___%
+
+4. **Cohort trends:**
+   - Are recent cohorts retaining better or worse than older cohorts?
+     1. Better (improving)
+     2. Same (stable)
+     3. Worse (degrading)
+     4. Unknown"
+
+**Based on answers, agent evaluates:**
+- ✅ **Healthy growth:** Growth >40% YoY (growth stage) or >25% (scale stage)
+- ✅ **Healthy retention:** NRR >100%, churn <5% monthly, Quick Ratio >2
+- 🚨 **Growth problems:** Growth <20% YoY
+- 🚨 **Retention problems:** NRR <100%, churn >5%, cohort degradation
+
+---
+
+### Step 2: Unit Economics Metrics
+
+**Agent asks:**
+
+"**Unit Economics:**
+
+1. **Acquisition:**
+   - CAC (Customer Acquisition Cost): $___
+   - Blended or by channel? (If by channel, what's your best channel CAC?)
+
+2. **Value:**
+   - LTV (Lifetime Value): $___
+   - LTV:CAC ratio: ___ (or I can calculate it)
+   - Payback period: ___ months (or I can calculate it)
+
+3. **Margins:**
+   - Gross margin: ___%
+   - Contribution margin (if known): ___%
+
+4. **Trends:**
+   - Is CAC increasing, stable, or decreasing over time?
+     1. Decreasing (improving efficiency)
+     2. Stable
+     3. Increasing (diminishing returns)
+     4. Unknown"
+
+**Based on answers, agent evaluates:**
+- ✅ **Healthy economics:** LTV:CAC >3:1, payback <12 months, gross margin >70%
+- ⚠️ **Marginal economics:** LTV:CAC 2-3:1, payback 12-18 months
+- 🚨 **Poor economics:** LTV:CAC <2:1, payback >24 months, gross margin <60%
+
+---
+
+### Step 3: Capital Efficiency Metrics
+
+**Agent asks:**
+
+"**Capital Efficiency:**
+
+1. **Cash:**
+   - Cash balance: $___
+   - Monthly net burn rate: $___
+   - Runway: ___ months (or I can calculate it)
+
+2. **Efficiency ratios:**
+   - Rule of 40: ___ (Growth % + Profit Margin %) (or I can calculate it)
+   - Magic Number: ___ (S&M efficiency) (or I can calculate it)
+
+3. **Operating expenses:**
+   - S&M as % of revenue: ___%
+   - R&D as % of revenue: ___%
+   - Is OpEx growing faster than revenue?
+     1. No (positive operating leverage)
+     2. Yes (negative operating leverage)
+     3. Unknown
+
+4. **Profitability:**
+   - Profit margin: ___%
+   - Path to profitability: (already profitable, 6-12 months, 12-24 months, >24 months, unknown)"
+
+**Based on answers, agent evaluates:**
+- ✅ **Healthy efficiency:** Rule of 40 >40, magic number >0.75, runway >12 months
+- ⚠️ **Acceptable efficiency:** Rule of 40 25-40, magic number 0.5-0.75, runway 6-12 months
+- 🚨 **Poor efficiency:** Rule of 40 <25, magic number <0.5, runway <6 months
+
+---
+
+### Step 4: Deliver Comprehensive Diagnostic
+
+**Agent synthesizes all metrics and delivers:**
+
+1. **Overall Health Score** — Healthy / Moderate / Concerning / Critical
+2. **Dimension Scores** — Growth, Retention, Economics, Efficiency
+3. **Red Flags** — Critical, High Priority, Medium Priority
+4. **Prioritized Recommendations** — Top 3-5 actions with expected impact
+5. **Stage-Appropriate Benchmarks** — How you compare to peers
+
+---
+
+#### Diagnostic Pattern 1: Healthy Business
+
+**When:**
+- Growth, retention, economics, and efficiency all meet stage-appropriate benchmarks
+- No critical red flags
+- Improving trends
+
+**Output:**
+
+"## ✅ Overall Health: **Healthy**
+
+Your business shows strong fundamentals across all dimensions.
+
+---
+
+### Health Scorecard
+
+| Dimension | Score | Status |
+|-----------|-------|--------|
+| **Growth & Retention** | ✅ Healthy | Growth ___% YoY, NRR ___%, Churn ___% |
+| **Unit Economics** | ✅ Healthy | LTV:CAC ___:1, Payback ___ months |
+| **Capital Efficiency** | ✅ Healthy | Rule of 40: ___, Runway ___ months |
+| **Overall** | ✅ **Healthy** | Strong position for scaling |
+
+---
+
+### Key Strengths
+
+1. **[Specific strength 1]**
+   - Metric: [e.g., NRR 120%]
+   - Why it matters: [Expanding within base without new logos]
+
+2. **[Specific strength 2]**
+   - Metric: [e.g., LTV:CAC 5:1]
+   - Why it matters: [Sustainable unit economics support scaling]
+
+3. **[Specific strength 3]**
+   - Metric: [e.g., Rule of 40 = 65]
+   - Why it matters: [Excellent balance of growth and efficiency]
+
+---
+
+### Opportunities for Optimization
+
+Even healthy businesses can improve. Here are your top opportunities:
+
+**1. [Opportunity 1]**
+- Current: [e.g., Magic Number 0.9]
+- Opportunity: [Could scale S&M spend 2x and maintain efficiency]
+- Impact: [+$___ MRR/month]
+
+**2. [Opportunity 2]**
+- Current: [e.g., Expansion revenue 15% of total]
+- Opportunity: [Build upsell paths, target 25% expansion revenue]
+- Impact: [NRR 110% → 120%]
+
+**3. [Opportunity 3]**
+- Current: [e.g., CAC $500, stable]
+- Opportunity: [Improve conversion, reduce CAC to $400]
+- Impact: [Faster payback, better LTV:CAC]
+
+---
+
+### Recommended Actions (Next Quarter)
+
+**Priority 1: Scale what's working**
+- [e.g., Double content marketing budget (best channel)]
+- Expected impact: [+___ customers/month, +$___ MRR]
+
+**Priority 2: Expand within base**
+- [e.g., Launch premium tier for 20% of customers]
+- Expected impact: [NRR 110% → 115%]
+
+**Priority 3: Improve efficiency**
+- [e.g., Optimize paid acquisition (reduce CAC 10%)]
+- Expected impact: [Payback 8mo → 7mo]
+
+---
+
+### Monitor These Metrics
+
+**Weekly:**
+- NRR (should stay >___%)
+- Churn rate (should stay <___%)
+- Quick Ratio (should stay >___)
+
+**Monthly:**
+- Rule of 40 (should stay >___)
+- Magic Number (should stay >___)
+- LTV:CAC (should stay >___:1)
+
+**Quarterly:**
+- Cohort retention trends
+- Revenue concentration risk
+- Operating leverage
+
+---
+
+### Benchmarks (Your Stage: [Growth/Scale])
+
+| Metric | Your Performance | Benchmark | Status |
+|--------|------------------|-----------|--------|
+| Growth Rate | ___% | >40% (growth) / >25% (scale) | ✅ |
+| NRR | ___% | >100% | ✅ |
+| LTV:CAC | ___:1 | >3:1 | ✅ |
+| Rule of 40 | ___ | >40 | ✅ |
+| Gross Margin | ___% | >70% | ✅ |
+
+You're performing at or above benchmarks across the board."
+
+---
+
+#### Diagnostic Pattern 2: Moderate Health (Fixable Issues)
+
+**When:**
+- Most metrics acceptable, but 1-2 dimensions have problems
+- Medium-priority red flags
+- Solvable with focus
+
+**Output:**
+
+"## ⚠️ Overall Health: **Moderate** (Fixable Issues)
+
+Your business has good fundamentals but needs attention in [specific dimension].
+
+---
+
+### Health Scorecard
+
+| Dimension | Score | Status |
+|-----------|-------|--------|
+| **Growth & Retention** | [✅ / ⚠️ / 🚨] | [Details] |
+| **Unit Economics** | [✅ / ⚠️ / 🚨] | [Details] |
+| **Capital Efficiency** | [✅ / ⚠️ / 🚨] | [Details] |
+| **Overall** | ⚠️ **Moderate** | [Primary issue area] needs attention |
+
+---
+
+### Red Flags Identified
+
+**High Priority** 🚨
+1. **[Specific red flag]**
+   - Metric: [e.g., NRR 95%]
+   - Threshold: [Should be >100%]
+   - Impact: [Base is contracting, not expanding]
+   - Fix by: [End of quarter]
+
+**Medium Priority** ⚠️
+1. **[Specific issue]**
+   - Metric: [e.g., Magic Number 0.6]
+   - Threshold: [Should be >0.75]
+   - Impact: [S&M spend moderately efficient, room for improvement]
+   - Fix by: [6 months]
+
+---
+
+### Root Cause Analysis
+
+**Primary Issue: [e.g., Retention & Expansion]**
+
+**Symptoms:**
+- NRR 95% (should be >100%)
+- Churn rate 5% monthly (should be <3%)
+- Expansion revenue only 10% of MRR (should be 20-30%)
+
+**Diagnosis:**
+[e.g., Customers are churning before they expand. Onboarding is weak, no clear upsell paths.]
+
+**Impact:**
+- Lost MRR: [Calculate churn impact]
+- Missed expansion: [Calculate expansion opportunity]
+- Total impact: [Combined revenue loss]
+
+---
+
+### Prioritized Action Plan
+
+**Immediate (Next 30 days):**
+
+**1. Fix [Primary Issue]**
+- Action: [Specific step, e.g., "Launch onboarding improvement program"]
+- Owner: [PM, Customer Success]
+- Target: [Reduce churn 5% → 4%]
+- Impact: [Save $___K MRR/month]
+
+**Short-term (Next Quarter):**
+
+**2. [Secondary Action]**
+- Action: [e.g., "Build premium tier for upsell"]
+- Target: [NRR 95% → 105%]
+- Impact: [+$___K expansion MRR]
+
+**3. [Tertiary Action]**
+- Action: [e.g., "Optimize S&M spend, improve magic number"]
+- Target: [Magic Number 0.6 → 0.8]
+- Impact: [More efficient growth]
+
+---
+
+### What Success Looks Like (90 Days)
+
+**Target metrics:**
+- NRR: 95% → 105% (+10pp)
+- Churn: 5% → 3.5% (-30%)
+- Magic Number: 0.6 → 0.8 (+33%)
+
+**Impact:**
+- Monthly revenue saved from churn: +$___K
+- Expansion revenue: +$___K
+- More efficient S&M: [details]
+
+**If you hit these targets, you'll be in 'Healthy' territory.**
+
+---
+
+### Monitor Weekly
+
+**Must-track metrics:**
+- Churn rate (track to ensure it's decreasing)
+- NRR (track to ensure it's improving)
+- Customer feedback (are improvements working?)
+
+**Leading indicators:**
+- Onboarding completion rate
+- Time-to-value
+- Usage metrics (activation, engagement)
+
+---
+
+### What Not to Do
+
+**Don't:**
+- Scale acquisition until retention is fixed (you'll just churn faster)
+- Ignore expansion (it's easier than new acquisition)
+- Wait too long (retention problems compound)"
+
+---
+
+#### Diagnostic Pattern 3: Concerning Health (Urgent Action Required)
+
+**When:**
+- Multiple critical red flags
+- 2+ dimensions problematic
+- Requires immediate intervention
+
+**Output:**
+
+"## 🚨 Overall Health: **Concerning** (Urgent Action Required)
+
+Your business has multiple critical issues that need immediate attention.
+
+---
+
+### Health Scorecard
+
+| Dimension | Score | Status |
+|-----------|-------|--------|
+| **Growth & Retention** | 🚨 Concerning | [Details] |
+| **Unit Economics** | 🚨 Concerning | [Details] |
+| **Capital Efficiency** | 🚨 Critical | [Details] |
+| **Overall** | 🚨 **Concerning** | Multiple urgent issues |
+
+---
+
+### Critical Red Flags 🚨
+
+**1. [Critical Issue 1 - e.g., Runway]**
+- Current: [6 months runway]
+- Threshold: [<6 months = crisis]
+- Impact: [Survival risk]
+- Action: [Raise capital OR cut burn immediately]
+- Timeline: [30 days]
+
+**2. [Critical Issue 2 - e.g., Unit Economics]**
+- Current: [LTV:CAC 1.2:1]
+- Threshold: [<1.5:1 = unsustainable]
+- Impact: [Losing money on every customer]
+- Action: [Reduce CAC OR increase LTV]
+- Timeline: [60 days]
+
+**3. [Critical Issue 3 - e.g., Cohort Degradation]**
+- Current: [Newer cohorts churning 2x faster than old]
+- Threshold: [Degrading PMF]
+- Impact: [Scaling makes problem worse]
+- Action: [Stop scaling, fix retention]
+- Timeline: [90 days]
+
+---
+
+### Survival Plan (Next 90 Days)
+
+**Week 1-2: Triage**
+
+**Immediate actions:**
+1. **Extend runway** (if <6 months)
+   - Option A: Raise bridge round ($___K)
+   - Option B: Cut burn by ___%
+   - Option C: Combination
+   - Decision by: [Date]
+
+2. **Stop scaling broken channels**
+   - Pause S&M spend on channels with LTV:CAC <2:1
+   - Reallocate budget to [best-performing channel]
+
+3. **Assemble crisis team**
+   - Daily standups on key metrics
+   - Weekly progress reviews
+
+---
+
+**Month 1: Stop the Bleeding**
+
+**Priority 1: Fix Unit Economics**
+- Current: LTV:CAC ___:1 (unsustainable)
+- Actions:
+  1. Reduce CAC: [Specific tactics]
+  2. Increase LTV: [Improve retention, add expansion]
+- Target: LTV:CAC >2:1 within 30 days
+
+**Priority 2: Improve Retention**
+- Current: Churn ___% (too high)
+- Actions:
+  1. Interview churned customers (identify top 3 reasons)
+  2. Fix onboarding (reduce early churn)
+  3. Proactive outreach to at-risk accounts
+- Target: Reduce churn by 20% within 30 days
+
+---
+
+**Month 2-3: Stabilize**
+
+**Milestone 1: Positive Unit Economics**
+- LTV:CAC >2:1 ✅
+- Payback <18 months ✅
+- Gross margin >60% ✅
+
+**Milestone 2: Slowing Churn**
+- Churn decreasing month-over-month
+- Cohort degradation stopped
+- NRR improving toward 100%
+
+**Milestone 3: Runway Extended**
+- 12+ months runway (via fundraise or burn reduction)
+- Clear path to next milestone
+
+---
+
+### What Success Looks Like (Day 90)
+
+**Metrics:**
+- Runway: ___ months → 12+ months ✅
+- LTV:CAC: ___:1 → >2:1 ✅
+- Churn: ___% → reduced by 30% ✅
+- NRR: ___% → improving toward 100%
+
+**Position:**
+- Out of crisis mode
+- Stable foundation to rebuild growth
+- Clear plan for next 6-12 months
+
+---
+
+### What to Avoid
+
+**Don't:**
+- Try to grow your way out of this (fix unit economics first)
+- Ignore the data (hope is not a strategy)
+- Scale before you fix retention (accelerates failure)
+- Wait until runway <3 months to fundraise (too late)
+
+**Do:**
+- Focus ruthlessly on retention and unit economics
+- Cut costs to extend runway
+- Be honest with board/investors about problems
+- Move fast (you don't have time to waste)"
+
+---
+
+#### Diagnostic Pattern 4: Critical Health (Existential Crisis)
+
+**When:**
+- Runway <3 months OR
+- Multiple critical failures (LTV:CAC <1:1, massive churn, no path to profitability)
+
+**Output:**
+
+"## 🚨🚨 Overall Health: **Critical** (Existential Crisis)
+
+Your business is in survival mode. Immediate drastic action required.
+
+[Similar structure to Pattern 3, but more urgent tone, shorter timelines, more drastic measures]
+
+**Immediate Actions (This Week):**
+1. Emergency board meeting
+2. Fundraise immediately OR cut burn 50%+
+3. Stop all non-essential spend
+4. Fix top 1-2 critical issues (runway, unit economics)"
+
+---
+
+## Examples
+
+See `examples/` folder. Mini examples below:
+
+### Example 1: Healthy Growth-Stage SaaS
+
+**Metrics:**
+- ARR: $20M, Growth: 60% YoY
+- NRR: 115%, Churn: 2.5%
+- LTV:CAC: 4:1, Payback: 10 months
+- Rule of 40: 50, Runway: 18 months
+
+**Diagnosis:** Healthy. Scale aggressively.
+
+---
+
+### Example 2: Moderate Health (Retention Issue)
+
+**Metrics:**
+- ARR: $15M, Growth: 40% YoY
+- NRR: 95%, Churn: 5%
+- LTV:CAC: 3.5:1, Payback: 12 months
+- Rule of 40: 38, Runway: 12 months
+
+**Diagnosis:** Moderate. Fix retention before scaling further.
+
+---
+
+### Example 3: Concerning (Multiple Issues)
+
+**Metrics:**
+- ARR: $8M, Growth: 25% YoY (slowing)
+- NRR: 88%, Churn: 7% (increasing)
+- LTV:CAC: 1.8:1, Payback: 20 months
+- Rule of 40: 15, Runway: 8 months
+
+**Diagnosis:** Concerning. Urgent action on retention and unit economics required.
+
+---
+
+## Common Pitfalls
+
+### Pitfall 1: Celebrating Single Metrics
+**Symptom:** "Revenue growing 50%!" (ignoring burn, churn, unit economics)
+
+**Consequence:** Unsustainable growth. Scaling broken model.
+
+**Fix:** Look at all four dimensions together.
+
+---
+
+### Pitfall 2: Ignoring Stage-Specific Benchmarks
+**Symptom:** "We're not profitable yet, is that bad?" (early-stage company)
+
+**Consequence:** Misplaced worry. Early-stage should optimize for growth and unit economics, not profitability.
+
+**Fix:** Use stage-appropriate benchmarks.
+
+---
+
+### Pitfall 3: Focusing on Lagging Indicators Only
+**Symptom:** "Churn is 5%, let's watch it"
+
+**Consequence:** By the time lagging indicators (churn, NRR) show problems, it's late.
+
+**Fix:** Track leading indicators (usage, engagement, onboarding completion).
+
+---
+
+### Pitfall 4: Not Acting on Red Flags
+**Symptom:** "NRR <100% for 3 quarters, but we'll fix it eventually"
+
+**Consequence:** Problems compound. Becomes crisis.
+
+**Fix:** Set clear timelines. If metric doesn't improve in X time, escalate.
+
+---
+
+### Pitfall 5: Trying to Fix Everything at Once
+**Symptom:** "Let's improve growth, retention, CAC, and efficiency simultaneously"
+
+**Consequence:** Resources spread thin. Nothing improves.
+
+**Fix:** Prioritize top 1-3 issues. Fix sequentially.
+
+---
+
+## References
+
+### Related Skills
+- `saas-revenue-growth-metrics` — Detailed growth and retention metrics
+- `saas-economics-efficiency-metrics` — Detailed unit economics and capital efficiency
+- `finance-metrics-quickref` — Fast lookup for all metrics and benchmarks
+- `feature-investment-advisor` — Uses health diagnostic to inform feature priorities
+- `acquisition-channel-advisor` — Uses health diagnostic to inform channel priorities
+- `finance-based-pricing-advisor` — Uses health diagnostic to inform pricing decisions
+
+### External Frameworks
+- **Bessemer Venture Partners:** "SaaS Metrics 2.0" — Comprehensive benchmarks
+- **David Skok:** "SaaS Metrics" — Unit economics benchmarks
+- **OpenView Partners:** SaaS benchmarking reports
+- **Battery Ventures:** "State of SaaS" annual report
+
+### Provenance
+- Adapted from `research/finance/Finance_QuickRef.md` (Red flags table)
+- Decision frameworks from `research/finance/Finance_For_PMs.Putting_It_Together_Synthesis.md`
+- Benchmarks from `research/finance/Finance for Product Managers.md`