Money Plan

Organization

XBuilderLAB

money-plan

为用户选定的某个「可行」机会生成可执行行动方案：小成本验证第一步、前两周具体动作、诚实收入预期、止损线。触发词："我想做XX帮我做计划"/"这个怎么开始"/"给我行动方案"/"money plan"/"我选这个"。前置：该机会最好已过 money-verify 判定为可行/存疑。

Overview

Publisher	XBuilderLAB
Repository	`cheat-on-money`
Skill name	`money-plan`
Stars	770
Forks	83
Bundled files	Instructions only
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.
Self-contained
Everything the model needs lives in the instructions — no extra files to sync.
Open source
Published by XBuilderLAB on GitHub. Read the source before you install it.

Installation

Install the Money Plan 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/XBuilderLAB/cheat-on-money/tree/main/skills/money-plan
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/XBuilderLAB/cheat-on-money.git /tmp/cheat-on-money
mkdir -p .claude/skills
cp -r /tmp/cheat-on-money/skills/money-plan .claude/skills/money-plan

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

Use it in TypingMind

Enable Money Plan 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 Money Plan 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 Money Plan 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.

/money-plan — 行动方案（小成本先验证）

把一个机会变成"今天就能动手 + 能低成本验证真能赚到钱"的计划。

跨平台说明（一次性，下文不再重复）

下文"网页检索/打开网页"：Claude Code 用 WebSearch / WebFetch，Codex 用其内置等价能力。allowed-tools 是 Claude Code 权限声明，Codex 忽略。

前置检查

读 .money-state.json 找该机会。若未验证过或判定为高危 ❌，先劝用户走 money-verify，不直接做计划。
存疑 ⚠️ 的可以做计划，但计划必须以"验证能不能收到第一笔钱"为第一目标。

方案必含 5 块

验证第一步（最重要）：一个最小动作，目标是用尽量少的时间/钱确认"真的有人会为此付钱"。例：先在闲鱼挂一个最小服务、先发 3 条内容看数据、先接 1 单最小的活。未验证前不投入大量时间。
前两周动作清单：具体到"每天/每周做什么"，可量化（发几条、投几个、接几单）。
诚实收入预期：前期大概多久见第一笔钱、金额区间。明说这是"时间换小钱+攒作品"还是有快钱。不画饼。
止损线：满足什么条件就该停（例：投入 X 小时后零正反馈 / 出现任何反诈红线 / 要求付费）。
复用 AI 提效点：这个机会里 AI 具体帮你提效在哪一步（别让"用 AI"停在口号）。

需要时用网页检索查该机会当下的具体操作路径（平台怎么开通、怎么接单、怎么提现）。

落盘（含「预期」——这是校准环的起点）

把方案写入 .money-state.json 的 active（chosen_id / started_at=今天 / plan），机会 status 改为 chosen。 同时写下 active.prediction：预计投入多少小时、多久见第一笔钱、第一笔收入区间（recorded_at=今天）。这份预期写完就别改——日后 money-retro 拿"实际"和它对账，才能校准这套方法准不准。

收尾

提示：开始执行后用 money-status 看进度；到了验证节点或 T+N 天用 money-retro 复盘实际投入与收入。再次强调止损线和反诈红线——一旦对方开始要钱，立刻停。

Frequently asked questions

What does the Money Plan AI skill do?

Why use Money Plan on TypingMind?

Because you install it once and use it with any model. Money Plan 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 Money Plan in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/XBuilderLAB/cheat-on-money/tree/main/skills/money-plan. TypingMind reads its SKILL.md and installs it as a skill you can enable per chat.

Which AI models can use Money Plan?

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 Money Plan?

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

Is the Money Plan AI skill free?

It is published on GitHub by XBuilderLAB. Check the repository for licensing terms. 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

Installation

Install in TypingMind

Install in another agent

Use it in TypingMind

Works with any AI model

Skill instructions

/money-plan — 行动方案（小成本先验证）

跨平台说明（一次性，下文不再重复）

前置检查

方案必含 5 块

落盘（含「预期」——这是校准环的起点）

收尾

Frequently asked questions

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