Time Merchant

Community

kangarooking

time-merchant

评估和升级个人时间经营模式的框架。当你觉得"我很努力但收入上不去""同等工作量别人赚得比我多很多"时使用。核心公式：个人生产总值=时间单价×能产生价值的时间。四种模式从低到高：零售→批发→买卖→收税。不适用于已经拥有平台级商业模式的人。关键触发信号："我每天很忙但收入没增长""为什么别人没那么努力却赚得更多""如何突破收入天花板"。

Overview

Publisher	kangarooking
Repository	`cognitive-dividend-skill`
Skill name	`time-merchant`
Stars	54
Forks	13
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 kangarooking on GitHub. Read the source before you install it.

Installation

Install the Time Merchant 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/kangarooking/cognitive-dividend-skill/tree/main/time-merchant
Enable the skill in any chat where you want it available.

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/kangarooking/cognitive-dividend-skill.git /tmp/cognitive-dividend-skill
mkdir -p .claude/skills
cp -r /tmp/cognitive-dividend-skill/time-merchant .claude/skills/time-merchant

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

Use it in TypingMind

Enable Time Merchant 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 Time Merchant 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 Time Merchant 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.

时间商人四模式

R — 原文 (Reading)

"个人生产总值=时间单价×能产生价值的时间"

"我们每个人在这个世界上，其实都在经营同一种产品，叫作'时间'，而我们每个人都是'时间商人'。人与人之间收入有如此大的差距，看似是价值之争，其实是模式之争。"

—— 《认知红利》第2章

I — 方法论骨架 (Interpretation)

核心公式：个人生产总值 = 时间单价 × 能产生价值的时间。收入差距的本质不是努力程度的差距，而是经营模式的差距
四种时间经营模式，从低级到高级：
- 零售时间：把时间单份售出（打工）。提升路径是提高时间单价（专业能力）+ 管住注意力（增加有效工作时间）。瓶颈：一天只有24小时
- 批发时间：把同一份时间卖给尽可能多的人（直播、写书、录课）。关键：善用互联网技术将边际成本降为零。突破时间总量的物理限制
- 买卖时间：购买他人的时间来放大自己的价值（创业雇人、外包）。本质是放大器：买入时间提升效率、提高单价、扩大规模。前提是你自身必须有价值
- 收时间税：建立平台让人们在上面交易时间，从中抽税。平台不是原因而是结果，从单点出发积累用户
升级路径不是线性打怪，而是识别当前模式并寻找跃迁机会

A1 — 书中应用 (Past Application)

作者用同学（程序员加班拼命）与网红（20万粉丝直播）的收入对比，量化展示零售 vs 批发的差距：同学个人生产总值约800元/天，网红约20000元/小时
用回转寿司的比喻说明时间交易的本质：每个人都像寿司师傅，用知识、能力把流过自己身边的时间餐盘装满食物出售给别人
用"唐骏年薪上亿"和"NBA球星"说明零售模式中时间单价的提升空间
用公众号作者招团队（编辑、运营、商务）的案例说明买卖时间模式的具体操作

A2 — 触发场景 (Future Trigger)

何时使用此 skill：

感觉自己收入遇到瓶颈，加更多班也无法突破
想评估自己当前属于哪种时间经营模式，以及升级方向
考虑是否要开始做内容、做产品、做平台时需要商业模式判断
想理解为什么"同样努力的人"收入差距可达数百倍

语言信号：

"我很努力但收入没增长"
"为什么别人没那么忙却赚得更多"
"如何突破收入天花板"
"我该怎么提高自己的时间价值"
"做副业有没有意义"
"要不要创业"

与相邻 skill 区分：

与 attention-management 的区别：本 skill 聚焦"你的时间值多少钱以及如何卖出更高价"；attention-management 聚焦"注意力该投向哪里"
与 compound-effect 的区别：本 skill 是经营模式的选择框架；compound-effect 是如何在选定模式中实现指数增长
如果问题是"我每天很忙但不知道忙了什么"→ 用 attention-management
如果问题是"我已经选好了模式，怎么让增长加速"→ 用 compound-effect

E — 可执行步骤 (Execution)

步骤1：诊断当前模式

计算你的时间单价：月收入 ÷ (每月工作天数 × 每天有效工作时间)
判断你当前属于四种模式中的哪一种（可能混合多种，找出占比最大的）
量化你的"能产生价值的时间"占全部时间的比例
完成标准：写出现状诊断表（当前模式、时间单价、有效时间占比、月生产总值）

步骤2：选择升级方向

零售→批发：你拥有的哪些技能/知识可以产品化（写作、录课、直播、模板）？
零售/批发→买卖：你能否通过雇佣/外包把低价值时间腾出来？
批发/买卖→收税：你是否在一个细分领域有足够影响力来搭建平台？
列出至少1个可行的模式升级方案，附时间表
完成标准：产出一个模式升级计划，包含目标模式、具体路径、3个月里程碑

步骤3：执行升级实验

用最小可行产品（MVP）验证升级方向：如写一篇文章测试批发、招一个兼职测试买卖
运行30天，记录实际数据：新模式的收入、时间投入、边际成本
对比实验前后"个人生产总值"的变化，决定是否全面切换
完成标准：30天实验报告，包含数据对比和 go/no-go 决策

B — 边界 (Boundary)

不要用的场景：

不要在职业早期（0-3年）就急于跳到"收时间税"模式，基础能力和资源不够，大概率失败
不要把"做内容"简单等同于"批发时间"——如果没有真正有价值的内容，只是换了一种形式的"浪费时间"
不要为了"升级模式"而裸辞——在零售模式中积累的能力和资源是升级的基础

失败模式：

把"提高时间单价"理解为多考证书、多读学位，忽略了市场真实需求
批发模式中追求数量牺牲质量，导致个人品牌贬值
买卖模式中"本身价值很低却大量雇人"，结果放大的是无能而非能力
收税模式中把"做平台"当目标而非结果，没有从单点价值积累开始

作者盲点：

四种模式的升级不是简单的阶梯关系，现实中很多成功案例是跳跃式的
"收时间税"模式的讨论过于简略，忽略了平台竞争的残酷性和资本壁垒
未充分讨论模式切换过程中的过渡期风险（收入断档、能力错配）
对"能产生价值的时间"的计量过于理想化，现实中有效时间很难精确统计

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.json2 KB

Frequently asked questions

What does the Time Merchant AI skill do?

Why use Time Merchant on TypingMind?

Because you install it once and use it with any model. Time Merchant 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 Time Merchant in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/kangarooking/cognitive-dividend-skill/tree/main/time-merchant. 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 Time Merchant?

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 Time Merchant?

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

Is the Time Merchant AI skill free?

Yes. It is published on GitHub by kangarooking 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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Time Merchant

Overview

Installation

Install in TypingMind

Install in another agent

Use it in TypingMind

Works with any AI model

Skill instructions

时间商人四模式

R — 原文 (Reading)

I — 方法论骨架 (Interpretation)

A1 — 书中应用 (Past Application)

A2 — 触发场景 (Future Trigger)

E — 可执行步骤 (Execution)

B — 边界 (Boundary)

相关 skills

Bundled files

Frequently asked questions

Set up your own AI workspace now

Overview

Installation

Install in TypingMind

Install in another agent

Use it in TypingMind

Works with any AI model

Skill instructions

时间商人四模式

R — 原文 (Reading)

I — 方法论骨架 (Interpretation)

A1 — 书中应用 (Past Application)

A2 — 触发场景 (Future Trigger)

E — 可执行步骤 (Execution)

B — 边界 (Boundary)

相关 skills

Bundled files

Frequently asked questions

Related AI Skills

Set up your own AI workspace now