What do I need to use Money Priorities Order?

Debts; Savings; Retirement; The slack; Goals & context.

Is Money Priorities Order 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.

Money Priorities Order

Q: How do I know the Money Priorities Order output is good?

The skill verifies itself against its own quality checks: Order is personalized to the person's debts/rates, match, and buffer; Explains the reasoning for each step (match, interest rates); Identifies where they currently are on the ladder; Gives one concrete next move, not the whole list.

🔵 Stable🕐 updated 2026-08-05 🔷 SkillSpec L3 pm-money

Decide where your next dollar should go — the order to tackle emergency fund, high-interest debt, retirement match, and saving/investing — so you stop guessing and build momentum. Use when asked what should I do with my money first, pay off debt or save, where to put extra money, or help me prioritize my finances. Produces a personalized order-of-operations for your situation, the reasoning for each step, where you are on the ladder and the next concrete move, and honest flags on the judgment calls. Educational — not financial advice.

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

🗣 Say this to your agent

“Should I pay off my credit card or build savings first?”“I have $500 extra a month — where should it go?”“What should I do with my money first? I'm overwhelmed.”“Pay down my student loan or invest?”“Help me prioritize: debt, emergency fund, or retirement?”

What to give it

▸Debts — types, balances, and interest rates (rates are the key input)

▸Savings — any emergency fund, and how stable your income/expenses are

▸Retirement — access to an employer match or tax-advantaged accounts, and current contributions

▸The slack — roughly how much extra per month, or a lump sum

▸Goals & context — near-term goals, dependents, job stability, region

✅ 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.

✓Order is personalized to the person's debts/rates, match, and buffer

✓Explains the reasoning for each step (match, interest rates)

✓Identifies where they currently are on the ladder

✓Gives one concrete next move, not the whole list

✓Flags the genuine judgment calls (snowball vs avalanche, risk)

✓States it isn't financial advice

⚠️ What it refuses to do

**A rigid one-size ladder** ignoring their rates and stability.

**Skipping the employer match** — leaving free money.

**"Invest everything"** while high-interest debt compounds.

**No starter buffer** — one surprise restarts the debt cycle.

**Dictating snowball vs avalanche** instead of showing the trade-off.

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="money-priorities-order"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Money Priorities Order 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