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Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash. Use when the user asks about cash flow forecasting, CD or bond laddering, liquidity tiers, income smoothing for variable earners, or sweep strategies. Also trigger when users mention 'T-bill ladder', 'where to park cash', 'irregular income budgeting', 'freelancer cash management', 'lumpy expenses', 'liquidity ratio', 'how much cash to hold', or ask how to plan for large upcoming expenses.
How this skill is triggered — by the user, by Claude, or both
Slash command
/wealth-management:liquidity-managementThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Plan and manage cash flow to ensure adequate liquidity for all financial obligations while minimizing the opportunity cost of holding excess cash. This skill covers cash flow forecasting, laddering strategies, tiered liquidity frameworks, and income smoothing for variable earners.
Plan and manage cash flow to ensure adequate liquidity for all financial obligations while minimizing the opportunity cost of holding excess cash. This skill covers cash flow forecasting, laddering strategies, tiered liquidity frameworks, and income smoothing for variable earners.
6 — Personal Finance
Both (retrospective cash flow analysis and prospective forecasting)
Project income and expenses monthly for 12+ months:
For commission, freelance, seasonal, or bonus-heavy income:
Classify investable assets by time to access:
| Tier | Access Time | Examples | Typical Yield |
|---|---|---|---|
| Tier 1 — Immediate | 0-1 day | Checking, savings, money market | Low |
| Tier 2 — Short-term | 1-7 days | Brokerage cash, T-bills, HYSA | Moderate |
| Tier 3 — Medium-term | 1-4 weeks | CDs (with penalty), bond funds, I-bonds (after 1yr) | Moderate-High |
| Tier 4 — Long-term | 30+ days | Real estate, PE/VC, locked alternatives, retirement accounts (pre-59½) | Highest |
Stagger CD maturities for regular access + higher yields:
Similar concept with Treasury or corporate bonds:
Short-duration, high-liquidity ladder:
Maintain buffer above minimum liquidity requirements:
| Formula | Expression | Use Case |
|---|---|---|
| Liquidity ratio | Liquid assets / monthly expenses | Adequacy check |
| Net cash flow | Σ income - Σ expenses | Monthly surplus/deficit |
| CD ladder yield | Weighted average of rung yields | Blended return on ladder |
| Smoothing reserve | Base monthly expenses × 2-3 | Buffer for variable income |
| Breakeven penalty | CD early withdrawal penalty / (CD rate - savings rate) | Whether to break CD |
Given: $60,000 to deploy, want liquidity every 2 months, 12-month CDs yielding 4.8% Calculate: Ladder structure and blended yield Solution:
Given: Freelancer with monthly income ranging $3,000-$15,000, average $8,000. Monthly expenses $5,500. Calculate: Base budget and smoothing reserve target Solution:
See scripts/liquidity_management.py for computational helpers.
npx claudepluginhub joellewis/finance_skills --plugin wealth-managementSize and structure an emergency fund based on individual circumstances, income stability, and expense profile. Use when the user asks about emergency fund sizing, how many months of expenses to save, where to keep emergency savings, or tiered fund structures. Also trigger when users mention 'rainy day fund', 'how much cash should I keep', 'high-yield savings account', 'money market fund', 'freelancer cash reserve', 'variable income buffer', or ask what counts as an emergency expense.
Builds a 13-week rolling cash flow forecast to predict cash position and runway. Uses receipts timing and disbursements to catch shortfalls early.
Generates avalanche (highest interest first) or snowball (smallest balance first) debt payoff plans with month-by-month payment schedules from transaction data.