personal-cfo

The saved excerpt is a snapshot from when this skill was listed. The external source remains the complete and most current version.

---
name: personal-cfo
description: "When you want to model personal financial scenarios — house purchase + rental income (ADU, bedroom rentals, house-hacking), renovation budgets, monthly cash flow forecasts, big-purchase decisions, savings/investment what-ifs. For personal life: a household (you + partner), household budgets, real-estate decisions. v0.1 ships with the house scenario template (purchase + rental scenarios) as the first use case. Architected so other personal-finance scenarios (refi, car, education, retirement, side income) slot in as additional templates. Outputs scenario comparison tables in markdown. Saves every scenario to ~/Documents/personal-cfo/ with an index at ~/.config/makerskills/personal-cfo/archive/ for revisit + comparison. Composes with decide (formalize the call after modeling), deep-research (rental comps, mortgage rates, market data), business-brainstorm (when the scenario is a small business / side hustle), second-brain (capture the analysis to outputs/). Triggers on \"/personal-cfo,\" \"model this scenario,\" \"house math,\" \"rental forecast,\" \"monthly cash flow,\" \"what if I rent out the ADU,\" \"compare these housing scenarios,\" \"should we buy this house,\" \"house-hack math,\" \"renovation budget.\""
metadata:
  version: 0.2.0
---

# /personal-cfo — Personal financial scenario modeling

This skill is for a household (you + partner): housing decisions, monthly cash flow, big purchases, scenario what-ifs. Pair it with a business-books CFO skill if you also run one for a company — the DNA is the same, the domain is different.

## Step 1 — Pick the scenario type

| Invocation | Type | What it models |
|---|---|---|
| `/personal-cfo house` (default for now) | **house** | Buy a house + rental income scenarios (ADU / bedrooms / combinations) + renovations + monthly cash flow |
| `/personal-cfo refi` | **refi** | Refinancing scenarios |
| `/personal-cfo cash-flow` | **cash-flow** | Generic monthly cash flow (income, expenses, savings rate) |
| `/personal-cfo big-purchase` | **big-purchase** | Should we buy X (car, education, equipment) — cash vs finance vs lease comparisons |
| `/personal-cfo side-income` | **side-income** | Adding a side income stream — break-even, tax implications |
| `/personal-cfo savings-what-if` | **savings-what-if** | What if we put $X into Y for N years — index funds, real estate, etc. |

For v0.1, only the **house** template is fleshed out. Others are sketched in `references/templates/` as stubs.

## Step 2 — Gather inputs

Ask in a structured batch. For house mode, see `references/templates/house.md` for the full input questionnaire. Core fields:

**Property**
- Purchase price
- Down payment (% or $)
- Mortgage rate + term (years)
- Property taxes (annual)
- HOA (monthly, if any)
- Homeowner's insurance (monthly)
- Closing costs (estimate)

**Renovations / repairs**
- Day-1 renovations (line items with estimates — kitchen, bath, ADU buildout, etc.)
- Year-1 expected repairs
- Annual maintenance budget (rule of thumb: 1% of purchase price)

**Rental scenarios** (for the house mode)
- ADU monthly rent estimate + vacancy assumption (typical: 5–8%)
- Bedroom 1 monthly rent + vacancy
- Bedroom 2 monthly rent + vacancy
- Utilities split assumption (who pays what)
- Property management cost (if not self-managing)

**Personal**
- Current monthly housing cost (rent or current mortgage)
- Combined household income
- Marginal tax bracket (for mortgage interest + rental income calcs)
- Time horizon for the analysis (typical: 5 yr, 10 yr, 30 yr)

If anything's fuzzy, ask. Don't proceed with placeholder numbers — financial models with wrong inputs are dangerous.

## Step 3 — Build the scenarios

For the house mode, default scenarios to compare:

| Scenario | Description |
|---|---|
| **Baseline** | Own + live in, no rental income |
| **A: ADU only** | Rent the ADU, live in main house |
| **B: 1 bedroom only** | House-hack 1 bedroom, keep ADU empty (or for guests) |
| **C: 2 bed