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Wealth Structure

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kangarooking
wealth-structure

当用户问「怎么赚钱/如何致富/该不该要期权/如何判断一个生意的结构」时调用。 核心理念: 财富=睡觉时仍在赚钱的资产; 靠「责任(押上声誉)→产权(股权/知识产权)→杠杆(无需许可的代码媒体)→避免出局」构建, 无法靠出租时间致富。 不适用于: 具体投资标的分析、理财产品的选股建议。 Triggers: 致富/赚钱/股权/期权/杠杆/被动收入/ownership/leverage/equity

Overview

Publisherkangarooking
Repositorycangjie-skill
Skill namewealth-structure
Stars
10.2K
Forks
1.2K
Bundled files
2
LicenseMIT
Links
Skill sourceRepository
  • 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.

  • 2 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 Wealth Structure AI skill in TypingMind to use it with any LLM, or drop it into another agent that reads SKILL.md.

1

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.

  1. Open the app and go to Plugins → Skills.
  2. Choose "Install from GitHub".
  3. Paste the skill folder URL below and confirm.
  4. 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.
2

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/cangjie-skill.git /tmp/cangjie-skill
mkdir -p .claude/skills
cp -r /tmp/cangjie-skill/benchmarks/naval/prototypes/compact-pack/wealth-structure .claude/skills/wealth-structure
Restart Claude Code after copying so it picks up the new skill.

Use it in TypingMind

Enable Wealth Structure 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 Wealth Structure 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 Wealth Structure 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.

财富结构：责任 + 产权 + 杠杆 + 避免出局

R — 原文 (Reading)

你无法通过廉价出租自己的时间而致富。你必须拥有产权——生意的一部分（如股权）——获得个人的财务自由。……商业杠杆主要有资本、人力、复制成本极低的产品（代码和媒体）。

— 纳瓦尔·拉维坎特, 《纳瓦尔宝典》 第一章·财富

I — 方法论骨架 (Interpretation)

致富不是靠工作更努力，而是靠改变收入的结构： ① 不卖时间——工资是「为别人承担风险的人打工」拿的最低报酬，退休即断； ② 要产权——股权、知识产权、品牌才能让睡觉时也有收入，实现非线性赚钱； ③ 加杠杆——人力/资本需要许可，代码和媒体无需许可且最民主； ④ 避免出局——不违法、不伤身、不孤注一掷，保住复利的游戏资格； ⑤ 责任感换回报——敢把名字押上去、公开承担失败风险的人，社会以产权和杠杆回报他。 判断任何职业/生意，先诊断它用了几种杠杆、有没有产权、下行风险多大。

A1 — 书中的应用 (Past Application)

案例 1: 房地产五级杠杆阶梯

  • 问题: 同样的房地产行业，报酬从时薪 15 美元到数十亿美元量级
  • 方法论的使用: 修房工人(无杠杆)→总承包商(人力杠杆)→开发商(资本+责任)→基金管理人(资本杠杆)→平台公司(代码+资本+团队)
  • 结论: 每上一级=更多责任+更多杠杆+更多特殊知识
  • 结果: 顶端公司创造数十亿美元价值，收入与投入完全脱钩

案例 2: 医生为什么能致富

  • 问题: 为什么高薪打工者退休后没有收入
  • 方法论的使用: 真有钱的医生开了私人诊所（品牌/知识产权），而非只领工资
  • 结论: 产权是财富与工资的分界线
  • 结果: 「他们不会给你足够的报酬——最低限度的报酬可能是很高的工资，但它仍然不是真正的财富」

A2 — 触发场景 (Future Trigger) ★

用户会在什么情境下需要这个 skill?

  1. 思考收入结构：「我怎么才能不靠出卖时间赚钱」
  2. 谈 offer/期权：「高薪 vs 股权怎么选」「该不该要这家公司期权」
  3. 评估生意/副业：「这个副业有杠杆吗？能规模吗？」
  4. 风险决策：「要不要 All in / 借钱创业」

语言信号

  • "怎么致富/怎么财富自由"
  • "工资之外怎么创造被动收入"
  • "要不要期权/股权/合伙"
  • "how to get rich / build assets / passive income"

与相邻 skill 的区分

  • 与 productize-yourself 的区别: 前者是「你是谁」的定位，本 skill 是「价值如何变成资产结构」
  • 与 principal-agent 的区别: 委托代理解决组织内的激励归属；本 skill 解决个人财富的资产结构

E — 可执行步骤 (Execution)

  1. 诊断当前收入结构

    • 完成标准: 回答三个问题——收入是否按时间计？有无产权（股权/知识产权/品牌）？有几层杠杆？

  2. 向上迁移一层

    • 完成标准: 找到一个可以增加责任/产权/杠杆的具体动作（要期权、做产品、写内容、入股）
    • 判停条件: 若下一步涉及孤注一掷（All in 全部积蓄/违法），跳过该动作并回到步骤 2

  3. 加一道防出局护栏

    • 完成标准: 明确写下「绝不违法、绝不押上全部资本、保持健康」三条红线

  4. 用复利视角重跑

    • 完成标准: 每季度检查资产是否在睡觉时产生收入，持续向产权+杠杆方向迁移

B — 边界 (Boundary) ★

不要在以下情况使用此 skill

  • 用户要具体投资标的/选股/理财建议（本书不提供标的推荐）
  • 用户处于生存线上、需要先解决现金流（先谈工作/技能，再谈结构）

作者在书中警告的失败模式

  • 孤注一掷与破产: 「远离那些事会导致你失去所有资本和所有积蓄的事情」
  • 只为他人打工: 雇主付「让你工作的最低报酬」，退休即断粮

作者的盲点 / 时代局限

  • 2008–2019 硅谷/风投背景: 「代码和媒体杠杆」叙事低估平台规则变化与流量通胀
  • 特殊知识+杠杆对无资本起点的人门槛高；作者默认有试错安全网

容易混淆的邻近方法论

  • hourly-rate-time: 时薪是时间效率工具，本 skill 是资产结构框架；两者互补不冲突

相关 skills (阶段 3 定稿)

  • composes-with: productize-yourself、long-term-compounding、principal-agent
  • depends-on: judgment-training（先有判断力再上杠杆）

审计信息

  • 验证通过: V1 ✓ / V2 ✓ / V3 ✓ (v02)
  • 测试通过率: 见 test-results.md
  • 蒸馏时间: 2026-08-01

Bundled files

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

Frequently asked questions

What does the Wealth Structure AI skill do?

当用户问「怎么赚钱/如何致富/该不该要期权/如何判断一个生意的结构」时调用。 核心理念: 财富=睡觉时仍在赚钱的资产; 靠「责任(押上声誉)→产权(股权/知识产权)→杠杆(无需许可的代码媒体)→避免出局」构建, 无法靠出租时间致富。 不适用于: 具体投资标的分析、理财产品的选股建议。 Triggers: 致富/赚钱/股权/期权/杠杆/被动收入/ownership/leverage/equity

Why use Wealth Structure on TypingMind?

Because you install it once and use it with any model. Wealth Structure 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 Wealth Structure in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/kangarooking/cangjie-skill/tree/main/benchmarks/naval/prototypes/compact-pack/wealth-structure. 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 Wealth Structure?

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 Wealth Structure?

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

Is the Wealth Structure 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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