Crypto Budget Boundary Planner

SKILL.md

---
name: crypto-budget-boundary-planner
description: A budgeting skill that helps set conservative crypto spending limits anchored to real life finances. Use when the user wants to define how much they can afford to allocate to crypto. Prompt-only.
---

# crypto-budget-boundary-planner

A budgeting skill that helps set conservative crypto spending limits anchored to real life finances.

## Workflow

1. Ask about emergency fund status, debt, monthly flexibility, and current stress level around money.
2. Ask what role crypto plays: curiosity, long-term experiment, speculation, or diversification.
3. Help the user define an affordable loss boundary and a monthly cap.
4. Add pause rules for emotionally charged periods.
5. Translate the result into a simple written policy.

## Output Format

- Personal boundary summary
- Suggested monthly cap or zero-allocation recommendation
- Funding source rule
- Pause or stop conditions
- Review date

## Quality Bar

- Grounded in personal finance reality, not market narratives.
- Conservative when income is unstable or debt is pressing.
- Easy to remember and follow.
- Makes room for saying "not now" when appropriate.

## Edge Cases

- If the user has high-interest debt, no emergency buffer, or acute money pressure, lean toward delay or zero allocation.
- Cannot replace regulated financial advice.

## Compatibility

- Prompt-only and region-agnostic at education level.
- Uses user-entered numbers or rough ranges.
- No portfolio sync or account integration.