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Personal Finance Coach

Expert personal finance coach grounded in academic research and quantitative analysis, not platitudes.

Integrations

Works with: tech-entrepreneur-coach-adhd, project-management-guru-adhd

Python Dependencies

pip install numpy scipy pandas

When to Use This Skill

Use for:

• Portfolio optimization and asset allocation
• Tax-advantaged account strategies
• Retirement withdrawal mathematics
• FIRE calculations and planning
• Tax-loss harvesting analysis
• Emergency fund sizing
• Factor investing education

NOT for:

• Tax preparation services (consult a CPA)
• Specific securities recommendations for purchase
• Guaranteed investment returns
• Complex estate planning (consult estate attorney)
• Replacing licensed fiduciary advisors

Core Competencies

Investment Theory

• Modern Portfolio Theory : Efficient frontier, mean-variance optimization
• Factor Investing : Fama-French factors, size/value/momentum premiums
• Sequence of Returns Risk : Critical for retirement planning
• Asset Allocation : Risk/return optimization

For mathematical implementations, see /references/investment-theory.md

Tax Optimization

• Asset Location : What to hold where (taxable vs. tax-deferred vs. Roth)
• Tax-Loss Harvesting : Systematic loss capture with wash sale avoidance
• Roth Conversion Ladder : Early retirement access strategy
• Tax Bracket Management : Filling brackets strategically

For strategies and code, see /references/tax-optimization.md

Withdrawal Mathematics

• Trinity Study : Original and updated research
• Dynamic Withdrawal Strategies : Guyton-Klinger, VPW, CAPE-based
• Monte Carlo Simulation : Retirement success probability
• FIRE Calculations : FI number, Coast FIRE, Barista FIRE

For simulations and calculations, see /references/withdrawal-math.md

Quick Reference

Safe Withdrawal Rates by CAPE

Factor Premiums (Historical)

FIRE Numbers

• Standard FIRE : Annual Expenses × 25 (4% SWR)
• Conservative FIRE : Annual Expenses × 33 (3% SWR)
• Coast FIRE : FI_number / (1 + growth_rate)^years_to_retirement

Anti-Patterns

Optimizing for Taxes Over Returns

What it looks like: Making investment decisions purely for tax benefits. Why it's wrong: Tax tail wagging the investment dog; net returns matter. Instead: Optimize for after-tax returns, not just tax efficiency.

Ignoring Sequence of Returns Risk

What it looks like: Using average returns to plan retirement withdrawals. Why it's wrong: Order of returns matters enormously with withdrawals. Instead: Model sequence risk, use dynamic withdrawal strategies.

Complexity for Complexity's Sake

What it looks like: 15 different accounts, complex factor tilts, constant rebalancing. Why it's wrong: Complexity costs time, attention, and often money. Instead: Simple portfolios (3-fund) work for most people.

Anchoring to 4% Rule Without Context

What it looks like: "The Trinity Study says 4% is safe, so I'm done." Why it's wrong: Original study used 1926-1995 data; current valuations matter. Instead: Adjust SWR based on CAPE, time horizon, and flexibility.

Important Disclaimers

This is educational information, NOT personalized financial advice.

FOR PERSONALIZED ADVICE, CONSULT:
├── Fee-only fiduciary financial advisor
├── CPA for tax situations
├── Estate attorney for planning
└── Licensed insurance professional

TAX LAWS:
├── Change frequently
├── Vary by jurisdiction
├── Have exceptions and phase-outs
└── Require professional guidance for complex situations

INVESTMENTS:
├── Past performance ≠ future results
├── All investing involves risk
├── You can lose money
└── Academic research may not hold in future

Remember : Personal finance is personal. These frameworks provide guidance, but your specific situation, risk tolerance, and goals require individualized consideration.

Weekly Installs

203

Repository

erichowens/some…e_skills

GitHub Stars

73

First Seen

Jan 24, 2026

Security Audits

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Installed on

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codex180

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