FerroxLabs
- 4.8k skills
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- 4 weeks ago last updated
- ▌ Budget Planning · ferroxlabsCreates personal or household budgets using zero-based, 50/30/20, or envelope methods. Gathers the user's income, fixed expenses, variable expenses, and financial goals, then produces a populated budget table with category allocations, percentage breakdowns, and actionable next steps. Use when the user asks about budgeting, managing money, tracking expenses, creating a spending plan, or choosing a budgeting method. Do NOT use for investment advice, tax planning, business financial modeling, or debt consolidation strategy (use debt-consolidation-analysis instead).
- ▌ User Research Plan · ferroxlabsCreates user research plans with research questions, methodology selection, participant criteria, discussion guide outlines, and analysis frameworks using UX research methodology. Use when the user asks about user research, UX research, usability testing, user interviews, customer research, or research planning. Do NOT use for customer discovery interviews for startups (use customer-discovery-interview), employee surveys (use employee-survey), or market research briefs (use market-research-brief).
- ▌ Hr Termination Letter · ferroxlabsDraft an involuntary termination letter — performance, RIF, policy violation or at-will — with state-specific final-pay timing, COBRA or state mini-COBRA notice, and an OWBPA and ADEA-compliant separation-agreement variant when the employee is 40 or over. Use when one person is being terminated and the letter has to be right. Do NOT use for a group layoff's WARN and disparate-impact analysis (use hr-rif) or for the checklist of what happens after the conversation (use hr-offboard). Templates only — have employment counsel review before delivery.
- ▌ Chart Analysis · ferroxlabsAnalyze a chart — set up symbol/timeframe, add indicators, scroll to key dates, annotate, and screenshot. Use when the user wants technical analysis or chart review.
- ▌ Scalability Architect · ferroxlabsScalability patterns expert covering horizontal vs vertical scaling, database sharding, read replicas, caching layers, CDN architecture, connection pooling, async processing, load shedding, capacity planning, and auto-scaling strategies. Use when the user asks about scalability architect, scalability architect best practices, or needs guidance on scalability architect implementation. Do NOT use when the user needs a different specialized skill or is asking about an unrelated technology domain.
- ▌ Fundraising Narrative · ferroxlabsStructures a fundraising narrative for startup investors covering traction, market size, business model, use of funds, and milestone targets using standard VC pitch structure. Use when the user asks about fundraising pitch, investor narrative, raising capital, pitch deck story, or investment memo. Do NOT use for sales pitch decks (use sales-pitch-deck), personal loan applications, grant proposals (use grant-proposal-writing), or financial model creation (use financial-model-structure).
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- ▌ Voiceover Script · ferroxlabsWrites a formatted voiceover script with conversational sentence length, emphasis marks, pause marks, pronunciation guides, and word count mapped to time estimates. Use when the user asks to write narration for a video, explainer, commercial, e-learning module, or any audio-only or audio-over-visual content. Do NOT use for on-camera video scripts with speaker direction (use video-script-writing), podcast episode content (use podcast-episode-planning), or presentation speaker notes (use speaker-notes-writing).
- ▌ Go To Market Strategy · ferroxlabsProduces a completed go-to-market strategy document using STP (Segmentation, Targeting, Positioning) and AIDA frameworks covering target segment, channels, messaging, pricing, and launch sequence. Use when the user asks to create a GTM strategy, plan a product launch, define market entry approach, or structure a launch plan for a new product or feature. Do NOT use for ongoing marketing strategy (use marketing-strategy), brand positioning only (use brand-positioning), or competitive landscape analysis (use competitive-analysis).
- ▌ Social Media Strategy · ferroxlabsProduces a platform-specific social media strategy with content pillars, posting frequency, format mix, engagement tactics, and performance metrics using content calendar methodology. Use when the user asks to create a social media strategy, plan social media content, build a content calendar, or define a social media presence for a brand or business. Do NOT use for paid social ad copy (use paid-ad-copy), email marketing (use email-campaign), or full marketing strategy (use marketing-strategy).
- ▌ Pricing Strategy Audit · ferroxlabsPricing strategy assessment evaluating pricing model effectiveness, competitive positioning, value alignment, discount practices, and revenue optimization to produce an actionable pricing scorecard. Use when the user asks about pricing strategy audit, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of pricing strategy audit or requires a different specialized skill.
- ▌ Saas Idea Validator · ferroxlabsSaaS idea validation expertise covering problem discovery through customer interviews, market sizing (TAM/SAM/SOM), competitor analysis frameworks, landing page testing methodology, pricing strategy exploration, minimum viable product scoping, and systematic approaches to validating software business ideas before writing code. Use when the user asks about saas idea validator, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of saas idea validator or requires a different specialized skill.
- ▌ Cold Outreach Sequence · ferroxlabsProduces a multi-touch cold outreach sequence combining email and social touches with personalization variables and follow-up cadence using sales cadence design methodology. Use when the user asks to create cold outreach emails, build a prospecting sequence, design a sales cadence, write cold emails, or plan multi-channel outreach to new prospects. Do NOT use for warm follow-up emails after a meeting (use follow-up-sequences), email marketing to subscribers (use email-campaign), or PR media pitches (use pr-pitch).
- ▌ Patch Operating Rhythm · ferroxlabsThe user says "we keep dropping things," "our weekly is useless," "we forgot the quarterly goals by week six," or "I need a dashboard." Load for meeting cadence, KPI set, or leadership-team rhythm. If they ask for a tool stack first, push back: rhythm before tools.
- ▌ Slate Hiring Structure · ferroxlabsUser has an outcome and gap (per `role-design.md`) and is deciding *how* to fill it. Or an FTE that isn't working and wonders about converting to contractor. Or is pitched an agency and isn't sure if it beats hiring. Load when the question is "FTE or contractor" or "agency or in-house."
- ▌ Replay Practice · ferroxlabsPractice trading in TradingView replay mode — step through historical bars, take trades, track P&L. Use when the user wants to practice or backtest manually.
- ▌ Strategy Report · ferroxlabsGenerate a comprehensive strategy performance report — metrics, trade analysis, equity curve, and recommendations. Use after backtesting a Pine Script strategy.
- ▌ Learning Path Designer · ferroxlabsSelf-directed curriculum design including resource curation, milestone planning, accountability systems, progress tracking, and learning methodology for independent learners. Use when the user asks about learning path designer, or needs help with self-directed curriculum design including resource curation, milestone planning, accountability systems, progress tracking, and learning methodology for independent learners. Do NOT use when the request requires professional specialized advice or falls outside the scope of learning path designer.
- ▌ Online Academy Builder · ferroxlabsPractical guide to building an online learning academy covering platform selection, curriculum design, student experience, certification, marketing, pricing, and growing a sustainable online education business. Use when the user asks about online academy builder, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of online academy builder or requires a different specialized skill.
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- ▌ Probe Validation Rubric · ferroxlabsA test finished. The team is staring at numbers and reaching for a story. Load whenever someone asks "did it work," "is that enough," "what does this number mean," or — most importantly — "should we keep going."
- ▌ Net Worth Tracker · ferroxlabsBuilds a complete net worth snapshot by listing all assets (cash, investments, property, vehicles, valuables) minus all liabilities (loans, credit cards, mortgage, other debts). Produces a net worth statement with a tracking template for monitoring changes over time. Use when the user asks about their net worth, wants to calculate assets minus liabilities, or wants to track their financial position over time. Do NOT use for budget creation (use budget-planning), investment advice, or business balance sheet preparation.
- ▌ Spending Analysis · ferroxlabsAnalyzes the user's spending history against their stated values and financial goals. Identifies misalignments between what the user says they value and where they actually spend money, then recommends specific reallocation amounts to bring spending in line with priorities. Use when the user wants to understand their spending patterns, find misalignments, or optimize how their money is distributed across categories. Do NOT use for setting up expense tracking (use expense-tracking-setup), creating a budget (use budget-planning), or auditing subscriptions only (use subscription-audit).
- ▌ Competitive Analysis · ferroxlabsProduces a completed competitor comparison matrix with positioning analysis, capability gaps, and strategic recommendations using Porter's Five Forces framework. Use when the user asks to analyze competitors, compare market alternatives, evaluate competitive landscape, or assess competitive positioning. Do NOT use for internal strengths/weaknesses analysis (use swot-analysis), macro-environment scanning (use pestle-analysis), or product portfolio evaluation (use bcg-matrix).
- ▌ Legal Cease And Desist · ferroxlabsDraft a cease-and-desist letter for trademark, copyright, IP misuse, defamation, breach of contract or unpaid debt, choosing tone deliberately (professional, firm, litigation-threat) and assembling the evidence section, the specific demand and the response deadline. Use when the user needs a formal written demand that a behaviour stop. Do NOT use for a platform takedown of hosted content (use legal-dmca) or for drafting the agreement being breached (use sentry-contracts-and-terms). Template only — a letter that threatens litigation can create liability of its own, so have an attorney review high-stakes versions before sending.
- ▌ Strategy Ab Test · ferroxlabsHead-to-head strategy comparison — snapshot state, sweep params on strategy A, restore, sweep strategy B, then compare metrics side-by-side. Use when the user asks "which strategy is better?" or "A/B test these two".
- ▌ Search System Architect · ferroxlabsSearch infrastructure design expert covering full-text search architecture, Elasticsearch/OpenSearch cluster design, relevance tuning (BM25, TF-IDF, custom scoring), faceted search, autocomplete, query understanding, search analytics, and search quality measurement. Use when the user asks about search system architect, search system architect best practices, or needs guidance on search system architect implementation. Do NOT use when the user needs a different specialized skill or is asking about an unrelated technology domain.
- ▌ Startup Pitch Narrative · ferroxlabsCreates a startup pitch narrative script covering problem, solution, market opportunity, traction, business model, team, and ask using pitch storytelling methodology. Use when the user asks about startup pitches, investor pitches, pitch decks, pitch narratives, pitch scripts, or how to pitch their startup. Do NOT use for sales pitch decks (use sales-pitch-deck), fundraising financial narratives (use fundraising-narrative), or brand positioning (use brand-positioning).
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- ▌ Forge Offer Construction · ferroxlabsThe user has a product or service and a price, and now needs the *offer* — the full thing the buyer says yes to. Load this when the user asks for an offer page, a proposal, a pitch deck pricing slide, or anything that sounds like "how do I present this so they buy."
- ▌ Decision Making Framework · ferroxlabsSynthesizes First Principles thinking, Inversion, Second-Order Thinking, Bayesian Updating, and Pre-mortem analysis into The Decision Architecture - a systematic framework for making better decisions under uncertainty. Use when the user asks about decision making framework, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of decision making framework or requires a different specialized skill.
- ▌ Conversion Rate Optimizer · ferroxlabsSystematic CRO methodology covering conversion audits, hypothesis generation, A/B and multivariate testing, heatmap and session recording analysis, user research techniques, landing page optimization, funnel analysis, and statistical significance for data-driven growth. Use when the user asks about conversion rate optimizer or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.
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- ▌ Market Research Brief · ferroxlabsProduces a completed market research brief with research question, hypothesis, methodology, data sources, and output format using research design principles. Use when the user asks to plan market research, design a survey, structure customer research, or outline a research study for business decisions. Do NOT use for competitive benchmarking (use competitive-analysis), customer persona creation (use customer-persona), or full marketing strategy (use marketing-strategy).
- ▌ Sales Objection Handling · ferroxlabsYou're in sales mode and the deal hit resistance. Buyer said "too expensive," "not now," "I need to talk to my boss," or went quiet after a proposal. Load when someone asks "how do I respond to this objection" or hands you a stalled thread.
- ▌ Hr Accommodation Request · ferroxlabsDocument the ADA, PWFA or religious accommodation interactive process — request intake, the essential-functions and effectiveness analysis, the undue-hardship framework, the response letter (grant, alternative, or deny with reasons) and the appeal path. Use when an employee has asked for a change to how, when or where they work for medical, pregnancy or religious reasons. Do NOT use for FMLA or state PFML leave eligibility (use hr-leave-of-absence) or for the handbook policy that describes the process (use hr-handbook). Templates only — denials and undue-hardship claims should be reviewed by employment counsel before they are sent.
- ▌ Learn From Losses · ferroxlabsPost-trade review — pull losing trades from the strategy tester, screenshot each entry in context, and cluster common failure patterns. Use when the user asks "why am I losing?", "review my losses", or "what's wrong with my strategy?".
- ▌ Multi Symbol Scan · ferroxlabsScan multiple symbols for setups, patterns, or strategy performance. Use when comparing across instruments or screening for opportunities.
- ▌ Spark Learner Engagement · ferroxlabsThe curriculum is mapped, the arc is set. The question now is whether the learner will finish. Load whenever you hear "completion rates are bad," "people start and stop," "the cohort drops off after week two," or "I shipped it and nobody finished."
- ▌ Digital Product Launcher · ferroxlabsEnd-to-end digital product launch system covering product ideation and validation, creation workflows for templates, courses, and ebooks, pricing psychology, delivery platform selection, marketing funnel design, launch sequences, and post-launch optimization for recurring revenue. Use when the user asks about digital product launcher or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.
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- ▌ Marketing Funnel Diagnosis · ferroxlabsMarketing funnel assessment evaluating conversion rates, drop-off points, channel effectiveness, and optimization opportunities to produce an actionable funnel diagnosis report. Use when the user asks about marketing funnel diagnosis, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of marketing funnel diagnosis or requires a different specialized skill.
- ▌ Sales Close And Next Step · ferroxlabsYou're in sales mode and a conversation is ending — call winding down, email thread needing a reply, meeting at "so what's next." Load when someone asks "how do I close" or hands you a deal that's "going well" but has been going well for six weeks.
- ▌ Sentry Ip And Compliance · ferroxlabsThis skill explains common IP moves and the most-cited compliance regimes for early-stage product companies. It does not file your trademark, write your privacy policy, or interpret a regulator's order. Escalate to counsel any time you're in a regulated industry (health, finance, legal services, any
- ▌ Spark Long Form Narrative · ferroxlabsThe user has a module map or chapter list and the question is now *how does this read.* Load whenever you hear "what's the throughline," "how should chapters flow," "this feels disconnected," or "I have the pieces but it's not a book yet."
- ▌ Traction Channel Analysis · ferroxlabsApplies the Bullseye Framework to rank all 19 traction channels by potential, cost, and time-to-results for a specific business, producing a prioritized acquisition strategy with test designs for top channels. Use when the user asks about traction channels, customer acquisition channels, the Bullseye Framework, growth channels, or how to get customers. Do NOT use for marketing strategy (use marketing-strategy), paid ad copy (use paid-ad-copy), or growth experiments (use growth-experiment).
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- ▌ Slate Candidate Evaluation · ferroxlabsUser has a signed-off outcome doc from `role-design.md` and is about to interview, is mid-loop with disagreement surfacing, or just made an offer that feels wrong. No outcome doc means every interview is rapport theater — don't load this without one.
- ▌ Multi Pane Analysis · ferroxlabsCross-asset reasoning across a multi-pane layout — set a 2x2 grid, assign correlated symbols to each pane, and identify leader/laggard/divergence. Use when the user asks to "compare indices", "watch the complex", or wants correlated-asset reasoning.
- ▌ Weighted Decision Matrix · ferroxlabsBuilds and populates a weighted decision matrix for a specific choice. Identifies criteria from user priorities, assigns weights, scores each option, and computes weighted totals with a clear recommendation. Use when the user asks about making a decision between multiple options, building a decision matrix, comparing options with weighted criteria, or applying a structured scoring framework to a choice. Do NOT use for business strategic decisions or resource allocation (use business strategy skills), simple two-option comparisons (use pro-con-analysis), or task prioritization (use task-prioritization).
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- ▌ Research Jtbd Interviews · ferroxlabsThe user wants to understand why people buy, or you're looking at a persona that smells made-up. Load this whenever someone asks for "the audience," "the avatar," or "the customer."
- ▌ Sentry Contracts And Terms · ferroxlabsThis skill explains common contract types and what their clauses mean. It does not draft binding language for execution. Escalate to counsel when contract value exceeds $25k, when the other side has counsel and you don't, when the deal is cross-border, when the agreement involves equity, or when an
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- ▌ Research Competitive Scan · ferroxlabsThe team faces a positioning, pricing, or messaging decision and someone asks "who are we competing against?" Or the user lists three obvious competitors and you suspect those aren't the ones beating them. Or Copy is about to ship a "the only X that does Y" hero.
- ▌ Porting Pine Versions · ferroxlabsMigrate Pine Script v4 / v5 source to v6 — analyze, apply migration rules, compile-check, iterate until clean. Use when the user hands over an older script or asks to "upgrade to v6" / "port this Pine code".
- ▌ Smith Architecture Decisions · ferroxlabsUse this skill when a build requires a technical call that will be expensive to reverse later. Storage choice. Sync vs. async. Library swap. Monolith vs. service split. Schema shape for a domain object the rest of the system will lean on. Auth boundary. The test: if you'd be embarrassed to discover
- ▌ Spark Curriculum Architecture · ferroxlabsThe user wants a course, book, workshop, paid cohort, or any structured information product. Load whenever you hear "I want to teach," "I'm writing a book on," "what should be in the curriculum," or "help me outline this."
- ▌ Content Strategy Evaluation · ferroxlabsContent strategy assessment evaluating content quality, distribution effectiveness, audience alignment, production processes, and performance metrics to produce an actionable content scorecard. Use when the user asks about content strategy evaluation, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of content strategy evaluation or requires a different specialized skill.
- ▌ Voiceprint Voice Compile · ferroxlabs**Mode skill.** Default-enabled on the Voiceprint specialist. Compile produces the deliverable — the markdown file the user pastes into every model from now on.
- ▌ Subscription Model Designer · ferroxlabsSubscription business strategy advisor covering MRR/ARR metrics, pricing tier design, churn reduction strategies, retention mechanics, billing systems, free trial optimization, expansion revenue, cohort analysis, and the financial modeling required to build sustainable recurring revenue businesses across SaaS, media, services, and physical products. Use when the user asks about subscription model designer or needs help with related topics. Do NOT use for unrelated domains or when a more specialized skill exists.
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- ▌ Research Audience Discovery · ferroxlabsYou have raw material (interview transcripts, sales-call notes, support tickets, churn surveys) and need to turn it into segments the team can write to, price to, and channel to. Or a teammate handed you a demographic and asked for a persona.
- ▌ Rebuild From Screenshot · ferroxlabsReproduce a chart from a screenshot — read the user's pasted image, diff against the live chart, then set symbol/indicators/drawings to match. Use when the user pastes a chart image and says "recreate this" or "set up my chart like this".
- ▌ Compensation Benchmarking · ferroxlabsBuilds a total compensation analysis structure with market data interpretation, compensation band setting, and pay equity review using total compensation framework methodology. Use when the user asks about compensation benchmarking, salary bands, pay equity, market rate analysis, or total compensation structuring. Do NOT use for personal salary negotiation (use salary-negotiation), job offer writing (use offer-letter), or financial modeling (use financial-model-structure).
- ▌ Estate Planning Architect · ferroxlabsEstate planning education covering trusts, wills, beneficiary designations, powers of attorney, healthcare directives, tax strategies for wealth transfer, document checklists, and common planning mistakes. Helps users understand the key components of a comprehensive estate plan. Use when the user asks about estate planning architect, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of estate planning architect or requires a different specialized skill.
- ▌ Financial Model Structure · ferroxlabsBuilds a three-statement financial model architecture with revenue model, cost structure, P&L, balance sheet, and cash flow statement linked by core assumptions. Use when the user asks about financial modeling, building a financial model, startup financial projections, or structuring financial statements. Do NOT use for personal budgeting (use budget-planning), tax planning (use tax-preparation), or investment portfolio analysis.
- ▌ Customer Discovery Interview · ferroxlabsCreates a customer discovery interview guide with opening script, problem-exploration questions, solution-reaction prompts, closing protocol, and post-interview analysis template using customer development methodology. Use when the user asks about customer discovery, customer interviews, talking to customers, problem interviews, solution interviews, or customer development research. Do NOT use for idea validation experiments (use idea-validation), user research for an existing product (use user-research-plan), or survey design (use employee-survey).
- ▌ Sentry Formation And Structure · ferroxlabsThis skill explains common entity and ownership patterns. It is education, not legal advice. Escalate to counsel any time equity is being granted, co-founder splits are being formalized, or the business will operate across more than one jurisdiction. Cap-table math routes to the numbers specialist;
- ▌ Voiceprint Voice Interview · ferroxlabs**Mode skill.** Default-enabled on the Voiceprint specialist. Runs in the Full path; skipped in the Lite and Refresh paths.
- ▌ Tax Optimization Strategist · ferroxlabsStrategic tax planning including tax-advantaged accounts, deduction strategies, income timing, estimated taxes, and year-end planning for maximizing after-tax wealth. Use when the user asks about tax optimization strategist, or needs help with strategic tax planning including tax-advantaged accounts, deduction strategies, income timing, estimated taxes, and year-end planning for maximizing after-tax wealth. Do NOT use when the request requires professional financial advice or falls outside the scope of tax optimization strategist.
- ▌ Voiceprint Voice Maintenance · ferroxlabs**Mode skill.** Default-enabled on the Voiceprint specialist. Runs the Refresh path and the running-log loop. Decay kills voice files — this discipline keeps yours useful past month six.
- ▌ Budget Reset Guide · ferroxlabsQuick-start financial reset guide covering financial snapshot creation, expense auditing, category budgeting, automation setup, and a 30-day action plan to regain control of your money. Use when the user asks about budget reset guide, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of budget reset guide or requires a different specialized skill.
- ▌ Subscription Audit · ferroxlabsInventories all recurring subscriptions, memberships, and automatic charges. Identifies unused, duplicated, or low-value subscriptions and builds a cancellation priority list with estimated annual savings. Produces a complete subscription inventory with keep/cancel/downgrade recommendations. Use when the user wants to review their subscriptions, reduce recurring charges, or find hidden monthly costs. Do NOT use for full budget creation (use budget-planning), one-time expense analysis (use spending-analysis), or business SaaS audit.
- ▌ Self Employment Tax · ferroxlabsExplains self-employment tax concepts for freelancers and sole proprietors including SE tax calculation, the deductible portion, business expense categories, home office rules, and mileage tracking. Uses a jurisdiction-aware framework with placeholder markers for all rates and rules. Use when the user asks about self-employment taxes, freelance tax obligations, or how taxes work when you work for yourself. Do NOT use for estimating quarterly payments (use quarterly-tax-estimator), tracking deductions (use tax-deduction-tracker), or understanding retirement accounts for the self-employed (use tax-advantaged-optimizer).
- ▌ Savings Planner · ferroxlabsSavings goal planning covering emergency fund calculation (3-6 months), sinking funds, high-yield savings strategy, CD laddering, savings automation, goal prioritization, milestone tracking, and savings rate optimization. Use when the user asks about savings planner, or needs help with savings goal planning covering emergency fund calculation (3-6 months), sinking funds, high-yield savings strategy, cd laddering, savings automation, goal prioritization, milestone tracking, and savings rate optimization. Do NOT use when the request requires professional financial advice or falls outside the scope of savings planner.
- ▌ Fire Planner · ferroxlabsFinancial Independence and Retire Early planning guide covering FIRE number calculation, savings rate optimization, the 4% rule and safe withdrawal rates, sequence of returns risk, Roth conversion ladders, healthcare bridge strategies, FIRE variations (lean, fat, barista, coast), asset allocation in early retirement, and lifestyle design for post-retirement fulfillment. Use when the user asks about fire planner, or needs help with financial independence and retire early planning guide covering fire number calculation, savings rate optimization, the 4% rule and safe withdrawal rates, sequence of returns risk, roth conversion ladders, healthcare bridge strategies, fire variations (lean, fat, barista, coast), asset allocation in early retirement, and lifestyle design for post-retirement fulfillment. Do NOT use when the request requires professional financial advice or falls outside the scope of fire planner.
- ▌ Expense Analyzer · ferroxlabsSpending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery. Use when the user asks about expense analyzer, or needs help with spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery. Do NOT use when the request requires professional financial advice or falls outside the scope of expense analyzer.
- ▌ Budget Builder · ferroxlabsComprehensive budget creation and management skill using proven frameworks including the 50/30/20 rule, zero-based budgeting, and the envelope system. Guides users through income assessment, expense categorization, template creation, and ongoing budget review strategies. Use when the user asks about budget builder, or needs help with comprehensive budget creation and management skill using proven frameworks including the 50/30/20 rule, zero-based budgeting, and the envelope system. Do NOT use when the request requires professional financial advice or falls outside the scope of budget builder.
- ▌ Zero Based Budget · ferroxlabsBuilds a zero-based budget where every dollar of income is assigned to a specific spending, saving, or debt category so that income minus all allocations equals exactly zero. Produces a fully populated allocation table with assignment rationale for each category. Use when the user asks about zero-based budgeting, wants to assign every dollar a job, or wants maximum control over their monthly spending. Do NOT use for quick percentage-based budgets (use fifty-thirty-twenty-budget), investment allocation, or business budgeting.
- ▌ Investment Fee Analyzer · ferroxlabsCalculates the long-term cost of investment fees including expense ratios, advisor fees, and transaction costs. Expresses fee impact as both dollar amounts and percentage of final portfolio value over the user's time horizon. Use when the user asks about investment fees, wants to compare fund costs, or wants to understand how fees affect long-term returns. Do NOT use for choosing specific funds or products, understanding account types (use investment-account-types), or building a portfolio allocation (use portfolio-allocation-framework).
- ▌ Negotiation Coach · ferroxlabsNegotiation skills coaching covering salary negotiation scripts, purchase negotiation tactics, bill reduction strategies for cable, insurance, and medical expenses, anchoring technique, BATNA framework, preparation checklists, and common negotiation mistakes to avoid. Use when the user asks about negotiation coach, or needs help with negotiation skills coaching covering salary negotiation scripts, purchase negotiation tactics, bill reduction strategies for cable, insurance, and medical expenses, anchoring technique, batna framework, preparation checklists, and common negotiation mistakes to avoid. Do NOT use when the request requires professional financial advice or falls outside the scope of negotiation coach.
- ▌ Salary Negotiator · ferroxlabsComplete salary negotiation guide covering market rate research, total compensation analysis, negotiation scripts, counter-offer strategies, benefits negotiation for PTO, remote work, and equity, negotiation psychology, when to walk away, and annual review preparation. Use when the user asks about salary negotiator, or needs help with complete salary negotiation guide covering market rate research, total compensation analysis, negotiation scripts, counter-offer strategies, benefits negotiation for pto, remote work, and equity, negotiation psychology, when to walk away, and annual review preparation. Do NOT use when the request requires professional specialized advice or falls outside the scope of salary negotiator.
- ▌ Compound Growth Explainer · ferroxlabsDemonstrates compound interest and growth concepts with worked calculations using the user's actual numbers. Shows growth trajectories at different contribution rates, growth rates, and time horizons so the user can see how compounding works with their specific situation. Use when the user asks about compound interest, wants to understand how money grows over time, or wants to see the math behind investment growth projections. Do NOT use for retirement-specific calculations (use retirement-savings-calculator), fee impact analysis (use investment-fee-analyzer), or choosing investments (use portfolio-allocation-framework).
- ▌ Freelance Rate Calculator · ferroxlabsCalculates sustainable freelance hourly and project rates from target annual income, billable hours assumption, overhead costs, and desired profit margin. Produces a complete rate calculation worksheet with formulas and pricing tiers. Use when the user wants to set freelance rates, calculate how much to charge for freelance work, determine project pricing, or figure out an hourly rate for consulting. Do NOT use for business financial modeling (use business finance skills), investment calculations (use personal-finance skills), or salary negotiation as an employee (use salary-negotiation-script).
- ▌ Career Change Resume · ferroxlabsRewrites a resume for a career pivot by identifying transferable skills, reframing the professional summary for the target field, and recontextualizing past experience to demonstrate relevance to the new career direction. Produces a restructured resume with repositioned bullets, a new summary, and a transferable skills bridge. Use when the user is changing careers, switching industries, pivoting to a new field, or wants to reframe their experience for a different type of role. Do NOT use for standard resume bullet improvement (use resume-bullet-writer), ATS keyword optimization (use ats-resume-optimizer), or writing a resume summary without career change context (use resume-summary-writer).
- ▌ Career Pivot Advisor · ferroxlabsCareer transition planning guide covering transferable skills identification, industry research frameworks, networking for career change, bridge roles, education and certification paths, financial runway planning, pivot timelines, and portfolio building for a new field. Use when the user asks about career pivot advisor, or needs help with career transition planning guide covering transferable skills identification, industry research frameworks, networking for career change, bridge roles, education and certification paths, financial runway planning, pivot timelines, and portfolio building for a new field. Do NOT use when the request requires professional specialized advice or falls outside the scope of career pivot advisor.
- ▌ Retirement Planner · ferroxlabsComprehensive retirement planning using the 25x rule, 4% safe withdrawal rate, Social Security optimization, 401k employer match maximization, Roth vs Traditional IRA analysis, catch-up contributions, retirement age scenarios, and withdrawal strategies. Use when the user asks about retirement planner, or needs help with comprehensive retirement planning using the 25x rule, 4% safe withdrawal rate, social security optimization, 401k employer match maximization, roth vs traditional ira analysis, catch-up contributions, retirement age scenarios, and withdrawal strategies. Do NOT use when the request requires professional financial advice or falls outside the scope of retirement planner.
- ▌ Financial Goal Setting · ferroxlabsConverts vague financial aspirations into SMART goals with specific dollar targets, timelines, and monthly savings requirements. Produces a structured goal plan that breaks large financial objectives into measurable monthly actions the user can track. Use when the user has financial aspirations but has not defined specific targets, timelines, or monthly contribution amounts. Do NOT use for creating a budget (use budget-planning), tracking multiple existing savings goals (use savings-goals-tracker), or investment planning.
- ▌ Year End Tax Checklist · ferroxlabsProduces a personalized year-end tax action checklist covering income timing, deduction bundling, contribution deadlines, loss harvesting concepts, and charitable giving strategies. All jurisdiction-specific deadlines and rules use placeholder markers for the user to verify. Use when the user asks about year-end tax planning, what to do before the tax year ends, or how to optimize their tax position before December deadlines. Do NOT use for filing tax returns (use tax-filing-prep), tracking deductions throughout the year (use tax-deduction-tracker), or calculating quarterly payments (use quarterly-tax-estimator).
- ▌ Expense Tracking Setup · ferroxlabsDesigns a personal expense tracking system with categories, tracking method, review cadence, and weekly reconciliation routine. Produces a complete tracking template the user can implement immediately with their own spending data. Use when the user asks about tracking expenses, categorizing spending, setting up a spending log, or creating an expense tracking system. Do NOT use for creating a full budget (use budget-planning), business expense reporting, or investment tracking.
- ▌ Gift Budget Calculator · ferroxlabsPlan gift spending by occasion and recipient - budget allocation templates, tracking spreadsheets, cost-saving strategies, and year-round planning. Use when the user asks about gift budget calculator, related techniques, best practices, or needs guidance in this domain. Do NOT use when the request is outside the scope of gift budget calculator or requires a different specialized skill.
- ▌ Variable Income Budget · ferroxlabsBuilds budgets for freelancers, gig workers, and commission earners with irregular monthly income. Uses a baseline income method to establish essential spending, creates a surplus allocation priority list, and produces a month-by-month budget that adapts to income fluctuations. Use when the user has irregular income from freelancing, commissions, seasonal work, or multiple gig sources and wants to budget despite income variability. Do NOT use for stable-income budgets (use budget-planning or fifty-thirty-twenty-budget), business revenue forecasting, or investment planning.
- ▌ Debt Payoff Strategist · ferroxlabsStrategic debt elimination using avalanche and snowball methods, consolidation options, creditor negotiation, psychological strategies, and payoff calculator frameworks. Use when the user asks about debt payoff strategist, or needs help with strategic debt elimination using avalanche and snowball methods, consolidation options, creditor negotiation, psychological strategies, and payoff calculator frameworks. Do NOT use when the request requires professional financial advice or falls outside the scope of debt payoff strategist.