Build a realistic personal monthly budget from someone's income and expenses. Use when asked to make a budget, plan monthly spending, allocate income, or get finances under control. Produces a categorized budget (a 50/30/20-style allocation tuned to their reality), a surplus/shortfall number, and concrete next moves. Educational, not regulated financial advice.
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Most budgets fail because they're aspirational fiction. This skill builds a realistic monthly budget from someone's actual income and spending — categorized, with a clear surplus-or-shortfall number and a couple of specific moves to fix the gap. It's an educational planning aid, not personalized financial advice.
Ask for these only if they aren't already provided:
If numbers are rough, work with ranges and say so.
Income (take-home): $X
| Category | Type | Amount | % of income |
|---|---|---|---|
| Housing | Need | $ | % |
| Utilities & bills | Need | $ | % |
| Groceries | Need | $ | % |
| Transport | Need | $ | % |
| Debt minimums | Need | $ | % |
| Dining / fun | Want | $ | % |
| Subscriptions | Want | $ | % |
| Savings / goals | Save | $ | % |
| Total | $ | 100% |
Needs / Wants / Savings split: X% / Y% / Z% — with a one-line read vs. a 50/30/20 guideline (a reference point, not a rule).
Bottom line: surplus of $X (allocate it) or shortfall of $X (must cut/earn).
Top 3 moves — the specific, highest-impact changes (e.g. "renegotiate the $X subscription stack", "cap dining at $Y", "auto-transfer $Z on payday").
Notes — assumptions, and for variable income, budget against a conservative (low) month.
Personal budgeting practice (zero-based budgeting + the 50/30/20 needs/wants/savings guideline).
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Design a 360-degree feedback survey or write a structured 360 feedback report. Use when asked to build a 360 feedback process, write 360 feedback for a colleague, design a feedback survey, or produce a feedback report. Produces either a complete survey instrument with rating scales and open-ended questions, or a structured narrative feedback report with themes, strengths, and development areas.
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Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. Use when someone asks 'is my 401k any good', 'decode my 401k plan', 'which funds should I look at', or 'what fees am I paying'. Produces a fee decode in dollars-over-time, match and vesting math, a fund-lineup triage by cost, and the questions for HR or the plan administrator.
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Design statistically rigorous A/B tests for product features, UI changes, onboarding flows, and pricing experiments. Use when asked to set up an experiment, design an A/B test, calculate sample size, or interpret test results. Produces a complete test plan with hypothesis, variant definitions, sample size, duration estimate, guardrail metrics, and a results interpretation guide.
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Analyse a finished A/B test and write the readout — the result, whether it's statistically and practically significant, what it means, and the ship/no-ship call. Use when asked to analyse experiment results, write an A/B test readout, interpret test data, or decide whether to ship a variant. Produces a clear verdict with the lift and confidence, segment cuts, the risks (peeking, novelty, sample), and a recommendation. Distinct from planning a test — this reads results.
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Build or tailor an academic CV for faculty, postdoc, research or fellowship applications: publications, grants, teaching, supervision and service in the order the field expects, with consistent citations. Use when asked to write my academic CV, update my CV for a lectureship, tenure-track or postdoc application, format my publications list, or adapt my academic CV for an industry research role. Produces the full academic CV, a field-appropriate section order, a clean publications list in one citation style, and a two-page summary version when asked.
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Generate a WCAG 2.2 accessibility audit checklist and remediation suggestions for any UI or design. Use when asked to audit for accessibility, check WCAG compliance, review a design for a11y issues, or create an accessibility remediation plan. Produces a prioritised checklist with pass/fail assessments and specific fixes.
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