Personal Finance Whitepaper · Free · MIT
The Three-Pillar Personal Finance System
Build lasting personal finances with one simple, lifelong system — explained in a short, free whitepaper. Available in six languages.
The three pillars
Cashflow
Know what comes in and out — the foundation that reveals your true Freedom Fund.
Investment
Put money to work for you and grow it through compounding over time.
Invest only in what you understand.
Savings
Hold value-preserving assets to beat inflation and reduce life's risks.
What installing this does to your AI
- Anchors every answer on your real numbers — Income − Expenses = Freedom Fund — before advising.
- Refuses hype: it won't endorse an asset you don't understand.
- Always keeps both offense (Investment) and defense (Savings) in the plan.
- Pushes discipline and a 5–10 year horizon over clever timing.
Your prompts return sharper, more consistent, less generic financial guidance.
How to Use It
🤖 AI Way — install the skill
This whitepaper also ships as an AI skill — a reasoning lens any capable AI can apply. Install with one command, or paste one file.
⚡ Auto install (one command)
Claude Code — plugin
/plugin marketplace add nontravis/personal-finance-whitepaper then /plugin install three-pillar-finance@nontravis. Update: /plugin marketplace update nontravis then /reload-plugins.
Claude Code — degit
npx degit nontravis/personal-finance-whitepaper/skills/three-pillar-finance ~/.claude/skills/three-pillar-finance. Update: re-run with --force.
CLI agents (Gemini CLI, Copilot CLI)
degit the skill/ folder into the agent's adapter directory or AGENTS.md; update with --force.
✋ Manual (copy-paste)
claude.ai / ChatGPT / Gemini / API
Paste three-pillar-lens.md into the Project, Custom Instructions, a Gem, or the system prompt. To update, re-paste the latest file.
Educational framework, not personalized financial advice.
📄 Physical Way — read the whitepaper
Print it and post it where you read every day. Finance changes through repeated exposure, until the system becomes a habit.
Share this mindset with the people you love. One of the best gifts is a way of thinking that stays with someone for life.
The one principle
"Start with a simple system, then do it consistently."Time and consistency are every investor's most powerful allies.