What do I need to use First 100k Plan?

Your numbers; Your goal; Your levers; Your setup.

Is First 100k Plan free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

First 100k Plan

Q: How do I know the First 100k Plan output is good?

The skill verifies itself against its own quality checks: Assesses all three levers (income, savings rate, investing); Identifies the highest-leverage move for this person; Gives a realistic timeline from actual numbers; Sequences safety net → debt → invest → grow.

🔵 Stable🕐 updated 2026-08-06 🔷 SkillSpec L3 pm-wealth

Build a realistic plan to reach your first major savings/investing milestone — the hardest one — by focusing on the levers that actually move it: income, savings rate, and time. Use when asked how do I save my first 100k, plan to build wealth, reach a savings milestone, or how do I actually get ahead financially. Produces an honest read on your three levers (earn more, spend less, invest consistently), which one has the most room for you, a milestone timeline based on real numbers, the compounding effect once you're rolling, and the traps that stall people — educational, not financial advice.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“How do I save my first 100k?”“Give me a realistic plan to build wealth from where I am.”“How do I actually get ahead financially, not just tread water?”“What's the fastest realistic path to my savings goal?”“I keep not making progress on savings — what should I focus on?”

What to give it

▸Your numbers — income, rough expenses, current savings, and any high-interest debt

▸Your goal — the milestone and rough timeframe you're hoping for

▸Your levers — is there room to earn more, cut spending, or both

▸Your setup — are you already investing/automating, or starting cold

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Assesses all three levers (income, savings rate, investing)

✓Identifies the highest-leverage move for this person

✓Gives a realistic timeline from actual numbers

✓Sequences safety net → debt → invest → grow

✓Emphasizes automation over willpower

✓Names the stall traps; states not financial advice

⚠️ What it refuses to do

**Only preaching frugality** when income growth has more room (or vice versa).

**Fantasy timelines** not grounded in the numbers.

**Ignoring automation** and relying on willpower.

**Skipping the debt/safety-net** sequence.

**Presenting as personalized financial advice.**

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="first-100k-plan"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

First 100k Plan is one of 1078 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog