From payoff
Use when the user wants to REDUCE wasted time, not just read a report — "where am I wasting time and how do I fix it?", "why does Claude keep churning this file?", "help me stop the expensive-waste sessions", "diagnose my low retention". Goes beyond explaining the report: reads the wasted-file transcripts, finds the prompts that produced reverted diffs, and proposes concrete prompt / CLAUDE.md fixes.
How this skill is triggered — by the user, by Claude, or both
Slash command
/payoff:payoff-waste-triageThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
This is the *actionable* counterpart to `payoff-report`. The report tells the
This is the actionable counterpart to payoff-report. The report tells the
user where time was wasted; this skill figures out why and proposes a
fix. It is agentic — it reads transcripts and edits-history, then
recommends changes the user can make.
If the user only wants to read a report, use payoff-report instead.
payoff report --since 30d --stdout
Use a wide window (30d) — waste patterns rhyme across sessions, and you need
several to see the rhyme. The pinpoint section ranks files by waste score.
Tiers, worst first:
Pull the top 3 pinpoints and the session IDs attached to them.
For each high-waste session, open its transcript:
~/.claude/projects/<project>/<session-id>.jsonl
(Find <project> by the cwd shown in the session record at
~/.claude/payoff/sessions/<session-id>.json.)
Read the role: user messages that preceded the edits to the wasted file.
You're looking for the shape of the request that produced churn:
Across the top sessions, the waste almost always shares a root cause. Name it explicitly: "every time you ask for X without specifying Y, the diff gets reverted." One root cause usually explains several pinpoints.
Tie the recommendation to the root cause. Common fixes:
[exclude] paths in config.toml rather than "fixing" it.Tell the user how to verify the fix worked: keep working normally, then in a
week re-run payoff report --by project and compare the driver group for the
changed CLAUDE.md hash against baseline. Flag honestly: this is correlation,
not proof — pin one variable and change one thing at a time.
Not all low retention is a problem. Before recommending a fix, rule out:
Only EXPENSIVE WASTE (long session, diff gone) and repeated SEVERE/ITERATED
pinpoints on non-scratch files are worth a prompt/CLAUDE.md intervention.
Retention is a proxy. A reverted diff might have been a valuable dead-end that taught the user something. Don't pathologize every revert — focus on the repeated patterns, which are the ones a prompt or rule can actually fix.
Provides behavioral guidelines to reduce common LLM coding mistakes, focusing on simplicity, surgical changes, assumption surfacing, and verifiable success criteria.
Searches, retrieves, and installs Agent Skills from prompts.chat registry using MCP tools like search_skills and get_skill. Activates for finding skills, browsing catalogs, or extending Claude.
Creates, edits, and optimizes skills for Claude Code, including drafting, evaluating with test prompts, iterating on performance, and improving skill descriptions for better triggering accuracy.
npx claudepluginhub ayodm/payoff --plugin payoff