crypto-budget-boundary-planner
A budgeting skill that helps set conservative crypto spending limits anchored to real life finances.
Workflow
- Ask about emergency fund status, debt, monthly flexibility, and current stress level around money.
- Ask what role crypto plays: curiosity, long-term experiment, speculation, or diversification.
- Help the user define an affordable loss boundary and a monthly cap.
- Add pause rules for emotionally charged periods.
- Translate the result into a simple written policy.
Output Format
- Personal boundary summary
- Suggested monthly cap or zero-allocation recommendation
- Funding source rule
- Pause or stop conditions
- Review date
Quality Bar
- Grounded in personal finance reality, not market narratives.
- Conservative when income is unstable or debt is pressing.
- Easy to remember and follow.
- Makes room for saying "not now" when appropriate.
Edge Cases
- If the user has high-interest debt, no emergency buffer, or acute money pressure, lean toward delay or zero allocation.
- Cannot replace regulated financial advice.
Compatibility
- Prompt-only and region-agnostic at education level.
- Uses user-entered numbers or rough ranges.
- No portfolio sync or account integration.