Ask anything — APR, Roth IRAs, IRS letters, 401k vs. car loan — and get a plain-English answer tuned to your actual numbers, plus the exact script for the call to HR or your bank.
$3.99
Works in Claude (Pro/Max/Team) or ChatGPT (Plus/Team) · paid AI plan required
✓Both Claude + ChatGPT packages included — you can't pick the wrong one.
Updated
Included
01Paste your IRS notice number (CP2000, CP14, LTR 4464C) and get a plain-English breakdown in seconds — no accountant panic required.
02"401k or pay off the car at 6.9%?" — gives you the 3 numbers from YOUR situation that actually decide it, not generic advice.
03Decodes every box on your W-2, 1099-NEC, 1099-INT, and 1098 so you stop guessing what 'Box 12 Code D' means.
04Gives you word-for-word scripts to call HR about benefits, your servicer about IDR plans, or your credit card company to lower your rate.
05Made $12k freelancing and skipped quarterly taxes? Get the honest damage estimate and actual steps to fix it before filing.
06Converts "what is a Roth" into a one-paragraph answer plus a specific action you can take this week with your real income and tax situation.
What it does
You're not bad at money. You just never had the conversation. Nobody sat down with you and explained what APR actually costs you, whether your 401k contribution is set right, or what to do when an IRS letter shows up in your mailbox. This skill is that conversation.
Ask it anything you'd be embarrassed to Google at work. It pulls your 3 deciding numbers — your rate, your balance, your timeline — gives you the plain-English answer, and hands you a do-this-by-Friday action so the question doesn't float in your head for another six months. Bundled reference guides cover the 15 most common IRS notices, every box on your tax forms (W-2, 1099-NEC, 1099-INT, 1098), current 401k and IRA contribution limits, and word-for-word scripts for salary negotiation, credit card rate calls, and student loan servicer conversations.
This skill is for you if you're 22–35, feel vaguely behind on personal finance basics, and have a running list of money questions you've been meaning to look into. It won't file your taxes or manage your portfolio — but it will make sure you understand what's happening with your money and know exactly what to do next.
Frequently asked
Does this give me personalized financial advice or just generic explanations?
It works with the numbers you give it — your APR, your balance, your income, your loan rate. The answer is calibrated to your situation, not a textbook definition. It's not a licensed financial advisor and will say so when the question genuinely needs one, but for everyday questions (should I max my Roth, how do I read this W-2, what does this IRS notice mean) it goes specific.
I got an IRS letter — can this tell me if I'm actually in trouble?
Yes. Give it the notice type (CP2000, CP14, LTR 4464C, whatever's printed at the top) and what it's about. The bundled IRS notice guide covers the 15 most common notices in plain English — what triggered it, what the IRS actually wants, and what to do first. It'll tell you honestly if this is a "reply by mail" situation or a "call a CPA today" one.
Can I just write a ChatGPT prompt to do this myself?
You could, but you'd be starting from scratch every time — no decoder for your specific tax forms, no current contribution limits loaded, no scripts for the HR or servicer call. The bundled guides (tax document decoder, IRS notice guide, student loan playbook, negotiation scripts) are what turn a generic answer into one that knows what Box 12 Code D means and what your servicer will actually say when you call.
Does this work in Claude, ChatGPT, or both?
It's built and tested for Claude, where it gets the most consistent results. The bundled guides and prompts are designed around Claude's context window, so that's where you'll get the specific, number-calibrated answers this skill is known for.
Will it help me figure out if I should contribute to a Roth IRA or traditional 401k?
Yes — that's exactly the kind of question it's built for. Give it your income, current tax bracket, and employer match, and it walks you through the actual tradeoff for your situation, not a generic "it depends" answer.
Install — no Terminal required
After checkout you land on a page with a one-click download and a pre-built install prompt. Pick the AI you already pay for — both packages are included, so you can't pick wrong.
What you'll see the second your payment clears
Your license key
ST-XXXX-XXXX-XXXX · permanent
Pre-built install prompt⧉ Copy
ChatGPT package (ZIP)⬇ Download
No setup work before you buy — copy, paste, done.
Have Claude Pro, Max, or Team?
Copy the prompt, paste into Claude
Copy the pre-built install prompt from the success page, paste it into any Claude Code chat, and Claude installs the skill itself — about 10 seconds. Using the app instead? Drop the downloaded folder into a Claude Project's knowledge and ask Claude to use it.
Have ChatGPT Plus or Team?
Build a Custom GPT — ~2 minutes
Click Download ChatGPT package (included with every purchase).
Unzip it — inside is a SETUP.md and a knowledge/ folder.
Go to chatgpt.com → your profile → My GPTs → Create a GPT → Configure.
Paste the Name, Description, and Instructions from SETUP.md into the matching fields.
Under Knowledge, upload every file in the knowledge/ folder.
Click Create/Save, open your GPT, and describe your task in plain English.
A paid plan on either platform is required — Claude (Pro, Max, or Team) or ChatGPT (Plus or Team). Comfortable with Terminal? A one-line npx skilltree-network install path is available too.