Growth Sucks Cash

Q: What does the Growth Sucks Cash AI skill do?

当创业者谈论扩张计划、融资需求、资金链紧张或营收增长却利润稀薄时调用此技能。 不适用于：成熟稳健的现金流管理讨论，或纯信息查询"什么是现金流"。 核心触发信号：用户提到增长、融资、烧钱、扩张速度、现金储备不足等场景。

Q: Why use Growth Sucks Cash on TypingMind?

Because you install it once and use it with any model. Growth Sucks Cash is plain Markdown rather than provider-specific code, so the same skill runs on GPT-5, Claude, Gemini, Grok, or a local model — and you can switch model mid-chat without it breaking. TypingMind runs on your own API keys, so you pay providers directly instead of a per-seat subscription, and your skills and chats stay in your own storage.

Q: How do I install Growth Sucks Cash in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/ace3000chao/book2startup/tree/master/ScalingUp-skills/growth-sucks-cash. TypingMind reads its SKILL.md and bundles its files and installs it as a skill you can enable per chat.

Q: Which AI models can use Growth Sucks Cash?

Any model you connect in TypingMind. AI skills are plain Markdown instructions rather than provider-specific code, so GPT, Claude, Gemini, Grok, and local models can all load this skill when a request matches it.

Q: How many AI models can I use with Growth Sucks Cash?

As many as you like. As long as a model supports skills, you can use Growth Sucks Cash with it — GPT, Claude, Gemini, Grok, DeepSeek, Mistral, Llama and more — all on TypingMind with your own API keys.

Q: Is the Growth Sucks Cash AI skill free?

Yes. It is published on GitHub by ace3000chao under the MIT license. You only pay your own AI provider for the tokens you use.

Q: What are AI skills?

An AI skill is a reusable instruction bundle that teaches an AI model how to do one specific task. It follows the open Agent Skills format: a SKILL.md file with a name and description, plus any scripts, templates or reference files the model may need. The model reads the instructions only when your request matches the skill, so an installed skill costs nothing until it is used.

Q: How are AI skills different from plugins or MCP servers?

A plugin or MCP server gives a model new tools to call — code that runs somewhere and returns a result. An AI skill gives the model knowledge and process instead: how to approach a task, which steps to follow, what good output looks like. Skills are plain Markdown, so they need no server, no API key and no runtime, and they work with any model.

Community

ace3000chao

growth-sucks-cash

当创业者谈论扩张计划、融资需求、资金链紧张或营收增长却利润稀薄时调用此技能。不适用于：成熟稳健的现金流管理讨论，或纯信息查询"什么是现金流"。核心触发信号：用户提到增长、融资、烧钱、扩张速度、现金储备不足等场景。

Overview

Publisher	ace3000chao
Repository	`book2startup`
Skill name	`growth-sucks-cash`
Stars	93
Forks	14
Bundled files	1
License	MIT
Links	Skill source Repository

Markdown instructions
A SKILL.md file the model loads on demand, so it only costs tokens when a request actually matches.
Works with any LLM
AI skills are plain Markdown, not provider-specific code, so this works with GPT, Claude, Gemini, Grok, or a local model.
1 bundled files
Scripts, templates, and references the model can read while it works. Files are read-only and never executed.
Open source
Published by ace3000chao on GitHub. Read the source before you install it.

Installation

Install the Growth Sucks Cash AI skill in TypingMind to use it with any LLM, or drop it into another agent that reads SKILL.md.

Install in TypingMind

TypingMind installs a skill straight from its GitHub folder — it reads SKILL.md, bundles the resource files, and stores the result locally.

Open the app and go to Plugins → Skills.
Choose "Install from GitHub".
Paste the skill folder URL below and confirm.
https://github.com/ace3000chao/book2startup/tree/master/ScalingUp-skills/growth-sucks-cash
Enable the skill in any chat where you want it available.

Store

Installed

Skills

Add skills

Import one or more skills from a public GitHub folder or a local .skill or .zip archive, or SKILL.md file.

From GitHub URLFrom .skill, .zip, or SKILL.md

GitHub repo or folder

https://github.com/ace3000chao/book2startup/tree/master/ScalingUp-skills/growth-sucks-cash

Points to a single skill folder, or any folder that contains multiple skills. Public repos only.

CancelContinue

Plugins → Skills → Add skill → From GitHub URL, then paste the folder URL and press Continue.

Install in another agent

Any agent that reads the Agent Skills format can use this skill — copy the folder into that agent's skills directory.

Claude Code — .claude/skills

git clone --depth 1 https://github.com/ace3000chao/book2startup.git /tmp/book2startup
mkdir -p .claude/skills
cp -r /tmp/book2startup/ScalingUp-skills/growth-sucks-cash .claude/skills/growth-sucks-cash

Restart Claude Code after copying so it picks up the new skill.

Use it in TypingMind

Enable Growth Sucks Cash in any TypingMind chat and the model takes it from there. Its name and description sit in the system prompt, and the moment a request matches, the model loads the full instructions itself — you never invoke it by hand, and it costs no tokens until it is actually used.

The model loads Growth Sucks Cash on its own as soon as a request matches it.

Works with any AI model

AI skills are plain Markdown instructions rather than provider-specific code, so Growth Sucks Cash is not tied to the model it was written for. Install it once in TypingMind and use it with GPT-5, Claude, Gemini, Grok, DeepSeek, Mistral, Llama, or a local model you run yourself — all on your own API keys.

Loaded only when it is needed
The system prompt carries just the name and description. The instructions are fetched on the first matching request, so an idle skill costs nothing.
Switch models mid-chat
Because the skill is instructions rather than code, changing model does not break it — the next model reads the same SKILL.md.

Skill instructions

This is the SKILL.md content the model loads. Read it before installing — a skill is instructions your model will follow.

Growth Sucks Cash（增长吃现金）

R — 原文 (Reading)

"Growth sucks cash. This is the first law of entrepreneurial gravity."

— Verne Harnish, Scaling Up, Chapter 1 & Chapter 12

增长是创业引力的第一定律。任何快速增长的企业都在持续消耗现金——不是因为管理不善，而是增长的本质就是如此。营业收入增长越快，应收账款和库存的垫资需求就越大。创业者必须像关注利润表一样高度关注现金流量表。

I — 方法论骨架 (Interpretation)

增长吃现金，这一"创业引力定律"意味着：

增长必然消耗现金 — 规模扩张天然带来应收账款、库存、人力成本的提前垫资，这不是管理失误，是物理规律。
增长速度越快，现金缺口越大 — 高增长企业往往表面风光，但现金流最紧张；增速放慢反而让现金喘口气。
现金流是比利润更重要的生存指标 — 企业可以亏损多年不倒闭，但现金断链立刻死亡（参考京东自建物流前多年的亏损运营）。
决策必须同时评估现金流影响 — 每一次扩团队、上新线、进入新市场，都必须用现金流视角审视，而非只看收入或利润。
预测现金流是CEO的必修课 — 需要按月预测现金收支，建立现金"跑道"（runway）概念——账上现金还能撑几个月。
融资节奏要早于资金枯竭 — 不要等现金见底才去融资，那时候你已经失去谈判筹码。

A1 — 书中的应用 (Past Application)

案例 1: 快速扩张的餐饮连锁

问题: 某餐饮品牌在获得融资后加速扩张，门店数量翻倍，但总部需要为新店垫付装修款、押金和前几个月的运营亏损。
方法论的使用: Harnish指出，表面营收增长掩盖了加盟商账期、新店爬坡期和供应链垫资的三重现金压力。
结论: 扩张速度必须匹配融资节奏和经营性现金流的承载能力。
结果: 该品牌在第三年因现金断链被迫关闭半数新店，创始人失去控制权。

案例 2: SaaS企业的递延收入悖论

问题: SaaS公司年营收翻倍增长，但客户按年付费带来的递延收入在财务报表上尚未确认，导致经营现金流远低于净利润。
方法论的使用: 书中强调，订阅制企业的现金流实际上优于利润表现——预收款项在现金到账时记录为负债（递延收入），随后在服务交付时逐步确认为收入。
结论: 高增长SaaS公司应重点关注"经营现金流"而非净利润，同时用ARR（年度经常性收入）衡量增长质量。
结果: 关注现金流的创始人提前启动了新一轮融资，保住了18个月的现金跑道。

案例 3: 零售连锁的库存黑洞

问题: 某零售连锁为抓住节日旺季，在Q4大幅备货，库存翻了三倍，但销售不及预期导致库存积压占用现金。
方法论的使用: Harnish提醒：库存不是资产，是冻结的现金。每增加一件库存，就少了一份可用于支付工资或供应商账款的现金。
结论: 库存管理是现金管理的核心战场，需要与供应商谈判更有利的付款条件（如60天或90天账期）来对冲库存占用的现金压力。
结果: 该公司次年开始实施库存周转率月度考核，现金周转天数缩短40天。

A2 — 触发场景 (Future Trigger) ★

用户会在什么情境下需要这个 skill?

准备融资或接受投资时 — 投资人在DD阶段会追问现金流模型，创始人需要清晰回答"这笔钱能撑多久"。
制定增长计划时 — 每当提出"我们要进军X市场/扩招Y人/新增Z产品线"时，现金流必须同步评估。
发现账上现金快速下降但收入增长时 — 典型的"增长甜蜜期"陷阱，表面业绩好但现金在恶化。
遇到付款周期谈判或客户账期纠纷时 — 需要站在现金流全局说服团队接受更严格的付款条件。
公司即将达到现金临界点前 — 现金跑道不足6个月时，创始人必须做出取舍决策。

语言信号 (用户的话里出现这些就应激活)

"我们有很好的增长，但账上钱越来越少了"
"这笔融资进来以后够烧多久？"
"要不要加速扩张？"
"客户账期太长，资金周转不开"
"收入翻倍了，为什么现金流还是负的？"

与相邻 skill 的区分

与 fewer-people-higher-pay 的区别: 那是从人力成本结构优化现金；本skill是从增长与现金的引力关系出发，适用范围更广。
与 cashflow-vs-profit（现金流比利润更重要）的区别: 那是同书p29的近邻方法论，本skill强调增长是现金消耗的发动机，是因；p29强调现金流是生存指标，是果；两者高度协同，可组合使用。

E — 可执行步骤 (Execution)

当 skill 被激活后, agent 应按以下步骤执行:

构建现金跑道模型
- 计算当前月均现金消耗（burn rate）：（期初现金-期末现金+非经营现金流入）÷ 月数
- 计算当前现金储备 ÷ 月均burn rate = 跑道月数
- 完成标准：给出一个明确的"跑道数字"（如"12个月"），并标注危险线（<6个月）
评估增长计划的现金影响
- 列出TOP3增长举措（如扩团队、拓市场、增产品线）
- 估算每项举措对未来3/6/12个月现金的增量消耗
- 判停条件：若任意举措导致跑道降至6个月以下，则暂停该举措，优先补充融资
制定现金安全保障方案（二选一或组合）
- 方案A：加速融资（目标：在跑道降至9个月前启动，尽早锁定更有利估值）
- 方案B：减缓增长（季度增速降低20-30%，减少应收账款和库存垫资）
- 完成标准：产出一份含时间节点（未来6/9/12个月）的现金流行动计划，含owner和KP

B — 边界 (Boundary) ★

不要在以下情况使用此 skill

成熟期企业现金流稳定时 — 连续盈利、无融资需求、经营性现金流为正的企业，主要矛盾已不是增长吃现金的问题。
早期探索阶段 — 只有1-2个创始人的微型企业，还没有形成规模效应，"增长吃现金"的规律尚未显现。

作者在书中警告的失败模式

过度依赖融资掩盖运营失血: 很多创始人靠一轮又一轮融资维持增长，却不去解决经营性现金流的根本问题——每次融资都在稀释，最终失去控制权。
把收入增长当作救命信号: 收入增长不等于现金增长。如果增长来自大幅放宽账期，换来的只是纸面繁荣，现金会在后续几个季度集中失血。

作者的盲点 / 时代局限

忽视了新融资工具的多样性: 书中主要基于传统股权融资讨论现金问题，但当代有可转债、Revenue-based Financing、供应链金融等工具可以在不稀释股权的情况下改善现金流，书中提及不足。
制造业/重资产背景: Harnish出身于制造业，对SaaS和平台型业务的递延收入、GMV vs 净收入等概念虽有涉及但深度有限。

容易混淆的邻近方法论

现金流比利润更重要（p29）: 两者高度关联，但p29是独立命题，本skill更强调"增长"这一特定场景下的现金引力，适用范围更聚焦；本skill可视为p29在增长决策场景下的具体应用。
BHAG和长期愿景: 有创业者以"我们有一个伟大的BHAG"为由忽视短期现金风险——BHAG是方向，但跑道是前提，不能以愿景代替运营纪律。

审计信息

验证通过: V1 ✓ / V2 ✓ / V3 ✓
测试通过率: 100% (详见 test-prompts.json)
蒸馏时间: 2026-04-26

Bundled files

The model reads these on demand while the skill is loaded. They are exposed as readable files and are never executed.

test-prompts.json3 KB

Frequently asked questions

What does the Growth Sucks Cash AI skill do?

Why use Growth Sucks Cash on TypingMind?

Because you install it once and use it with any model. Growth Sucks Cash is plain Markdown rather than provider-specific code, so the same skill runs on GPT-5, Claude, Gemini, Grok, or a local model — and you can switch model mid-chat without it breaking. TypingMind runs on your own API keys, so you pay providers directly instead of a per-seat subscription, and your skills and chats stay in your own storage.

How do I install Growth Sucks Cash in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/ace3000chao/book2startup/tree/master/ScalingUp-skills/growth-sucks-cash. TypingMind reads its SKILL.md and bundles its files and installs it as a skill you can enable per chat.

Which AI models can use Growth Sucks Cash?

Any model you connect in TypingMind. AI skills are plain Markdown instructions rather than provider-specific code, so GPT, Claude, Gemini, Grok, and local models can all load this skill when a request matches it.

How many AI models can I use with Growth Sucks Cash?

As many as you like. As long as a model supports skills, you can use Growth Sucks Cash with it — GPT, Claude, Gemini, Grok, DeepSeek, Mistral, Llama and more — all on TypingMind with your own API keys.

Is the Growth Sucks Cash AI skill free?

Yes. It is published on GitHub by ace3000chao under the MIT license. You only pay your own AI provider for the tokens you use.

What are AI skills?

An AI skill is a reusable instruction bundle that teaches an AI model how to do one specific task. It follows the open Agent Skills format: a SKILL.md file with a name and description, plus any scripts, templates or reference files the model may need. The model reads the instructions only when your request matches the skill, so an installed skill costs nothing until it is used.

How are AI skills different from plugins or MCP servers?

A plugin or MCP server gives a model new tools to call — code that runs somewhere and returns a result. An AI skill gives the model knowledge and process instead: how to approach a task, which steps to follow, what good output looks like. Skills are plain Markdown, so they need no server, no API key and no runtime, and they work with any model.

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Overview