WP
Windfall Plan
🔵 Stable🕐 updated 2026-08-05
🔷 SkillSpec L3
pm-money
Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle. Use when asked what should I do with a windfall, I came into some money, how to use a bonus/inheritance/tax refund, or don't want to waste this money. Produces a cool-off-first plan, a tax/obligations check, an allocation across foundation-building, goals, and a guilt-free fun slice, and cautions against the classic windfall traps and the vultures that appear. Educational — not financial advice.
🗣 Say this to your agent
“I got a big work bonus — what should I do with it?”“I inherited some money and don't want to waste it.”“Smart things to do with a tax refund?”“I'm coming into a settlement — how should I plan for it?”“Sold my car/house and have a lump sum — where should it go?”
What to give it
▸The windfall — source (bonus, inheritance, refund, settlement, sale) and rough amount
▸Tax status — is it likely taxable, and has tax been withheld
▸Your financial base — emergency fund, high-interest debt, retirement, current stability
▸Your goals — what you'd genuinely want this to enable (near and long term)
▸Pressures — anyone expecting a cut, or a "hot opportunity" being pitched
✅ 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.
✓Advises a cool-off period before big decisions
✓Checks tax owed and obligations before allocating
✓Prioritizes foundation (emergency fund/high-interest debt) first
✓Allocates deliberately across goals and long-term investing
✓Includes a defined guilt-free fun slice
✓Warns about traps/vultures and flags fee-only help for large sums
⚠️ What it refuses to do
**Spending fast** on impulse or lifestyle upgrades.
**Forgetting tax** and getting a nasty bill later.
**Chasing a risky "opportunity"** with the whole sum.
**All discipline, no joy** — a plan too joyless to keep.
**Trusting a commissioned salesperson** circling the windfall.
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-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="windfall-plan"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Windfall Plan is one of 1153 open-source professional AI agent skills — all SkillSpec L3.
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