Guide · Agent skill
How to use the Wealth Structure Advisor agent skill
Updated · written with AI from the project's own documentation and checked against our catalogue data
The Wealth Structure Advisor is an agent skill, a set of instructions that an AI agent loads when your request matches its topic. It applies a framework from Naval Ravikant's book to questions about building wealth, such as whether to take stock options instead of a higher salary or whether a side business can scale. This guide explains what the skill does, how to install it, how to trigger it with natural requests, and what it does and does not cover, so you can use it on your own decisions.
Wealth Structure Advisorkangarooking/cangjie-skill · MIT Download the skill Quick start
- 1Download the ZIP. Get the wealth-structure skill ZIP from this directory page. It contains SKILL.md, test-prompts.json and test-results.md.
- 2Choose where to install it. Unzip it into ~/.claude/skills/ for personal use, or into .claude/skills/ inside one project folder.
- 3Or upload it in the Claude apps. In the Claude apps, open Settings, go to Capabilities, then Skills, and upload the skill.
- 4Ask a natural question. Describe a real decision, such as whether to take stock options instead of a higher salary, using everyday language.
- 5Check the answer against your situation. Review the agent's diagnosis of time-based income, ownership, leverage and risk, then take advice on specific investments from a qualified adviser.
What the Wealth Structure Advisor makes the agent do
The skill treats wealth as assets that keep earning while you sleep, and it checks how your income is built. It works through four questions in order: whether your income is tied to your time, whether you own equity or intellectual property, how much leverage you have (for example code or media that costs little to copy), and how to avoid catastrophic risk.
The skill is a thinking framework for personal financial structure. The agent uses it to diagnose a job, business idea or income source by counting leverage layers, checking for ownership and judging the downside risk. The source describes it as neither a stock-picking tool nor an investment tool.
- Checks whether income is paid per hour or per result
- Looks for ownership: equity, intellectual property or a brand
- Assesses leverage, such as capital, people, or low-cost-to-copy products
- Flags all-in bets and borrowing to start a business as risks to avoid
How to install the skill (ZIP download or Claude app upload)
Download the skill ZIP from this directory page. The package includes SKILL.md, test-prompts.json and test-results.md. SKILL.md is the file that holds the instructions the agent reads.
You have two ways to install it. For a personal setup, unzip the package into ~/.claude/skills/. To limit it to one project, unzip it into the .claude/skills/ folder inside that project. If you use the Claude apps instead, open Settings, go to Capabilities, then Skills, and upload the skill there.
- Personal: unzip into ~/.claude/skills/
- Single project: unzip into .claude/skills/ in the project folder
- Claude apps: Settings → Capabilities → Skills, then upload
How to trigger the skill with natural requests
You do not need a special command. The skill activates when your request matches its triggers. The triggers in the source are written in Chinese and English, so you can ask in either language. Plain questions about making money, stock options, equity, leverage or passive income are the ones it is built for.
Describe your actual situation and ask for a judgement. The more concrete the decision, the more useful the framework's output will be.
- How do I build wealth without trading my time for money?
- Should I take the stock options or the higher salary?
- Does this side business have leverage? Can it scale?
- Should I go all in or borrow money to start this business?
- How do I create passive income beyond my salary?
What the skill needs and its safety notes
The listing says the skill requires nothing and does not run scripts or use the network. Nothing in the package sends your data out or runs code on your machine. Its only role is to shape how the agent reasons about your question.
The skill does not give investment advice. It will not pick specific stocks, funds or financial products. For those decisions, the source says you need a qualified adviser. The framework also warns against all-in bets and borrowing to start a business, but its output is a general opinion, not personalised risk advice.
- Requirements: none listed
- Runs scripts: no
- Uses network: no
- Not for picking stocks, funds or financial products
- Not personalised risk advice
Tips for getting useful answers
Give the agent your real numbers and constraints, such as the salary offered, the equity terms you have been shown, your savings and your current income sources. The framework checks structure, so describing the structure helps.
If your situation is a cash-flow crisis, the skill's own boundary says to solve immediate income first and to focus on work and skills before structure. Ask about that first, then come back to the framework.
- Describe the offer, business or income source in specific terms
- Say whether you are an employee, freelancer or founder
- State your limits, such as savings you will not put at risk
- Ask for the next concrete step, not just a general view
What people use it for
- Comparing a job offer with a higher salary against one with stock options or equity
- Judging whether a freelance or side business idea has leverage and can grow without more of your time
- Deciding which next step would add ownership, such as a product, a stake in a business or published content
- Checking a plan for all-in bets or borrowed money against the framework's risk warnings
- Reviewing your income mix to see how much of it stops if you stop working
Frequently asked questions
Is the Wealth Structure Advisor skill free to use?
The listing states the licence is MIT. The source does not list a price, and the skill requires nothing to run. Check the licence text in the package before reusing or modifying it.
What do I need to run the Wealth Structure Advisor skill?
The listing says nothing is required. The skill does not run scripts and does not use the network. You only need an agent environment that can load skills, such as the Claude apps or Claude Code.
How do I install an agent skill like this one?
Download the ZIP from the directory page and unzip it into ~/.claude/skills/ for personal use or into .claude/skills/ in a project. In the Claude apps, you can instead upload it under Settings, Capabilities, Skills.
Why isn't the skill triggering when I ask about investing?
The skill is not built for picking stocks, funds or financial products, so it will not activate for those requests. Ask about income structure, equity, options, leverage or passive income instead.
Can this skill tell me which stocks or funds to buy?
No. The source says it does not provide investment recommendations and that these decisions need a qualified adviser. It is a framework for how your income is structured.
How does this compare with other agent skills for careers or income?
The source lists related skills. productize-yourself defines who you are as an offer, while this skill covers how value becomes an asset structure. principal-agent covers incentives inside an organisation, and long-term-compounding is a related companion. The source also notes that hourly-rate-time is a complementary time-efficiency tool.
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Our verdict
Use this skill if you want a structured way to judge whether a job offer with equity, a freelance project or a side business has ownership and leverage. Pick something else if you need advice on specific stocks, funds or other financial products, or if you are in an immediate cash-flow crisis that needs solving first.
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