YouMind
Sign in
Four Ledgers Financial Planner

Four Ledgers Financial Planner

Four Ledgers: from broke to financial freedom

Made by
Ffj LI
Installed by
0
FromYouMind

Showcase

Description

Financial planning advisor based on Dr. Go Gyeong-ho's 'Four Ledgers System' methodology. Provides a complete six-stage plan from living paycheck to paycheck to financial freedom: data collection → financial diagnosis → account architecture → fund automation → investment allocation → continuous optimization, with five red lines for automatic interception, an adaptive step protocol, and phase role switching. Trigger words: help me with finances / financial planning / I want to save money / Four Ledgers / how to save up to XX / financial freedom plan. This does not constitute investment advice.

Related Skills

View all
Research

Passive Income Leverage Coach

Want to explore passive income but unsure whether to create content, use AI, find collaborators, or build resources first? Passive Income Leverage Coach starts from your real situation to help you assess what your current foundation can support and what to do next. Using the analytical framework from *Leverage Thinking*, this Skill conducts an interactive five-stage diagnosis covering your mindset, skill and credibility foundations, system habits, available resources, and AI capabilities. After learning about your career, income structure, goals, starting reserves, weekly availability, and risk tolerance, it matches you with leverage options such as media and code, labor, capital, social networks, and spatial arbitrage, while assessing the prerequisites for AI enhancement. When your foundation is not yet ready, it prioritizes strengthening actions instead of immediately recommending financial investments or AI projects. Choose between a beginner guide and a quick diagnosis. Each step advances based on your answers, ultimately producing a personalized *Leap Assessment Report* with a readiness assessment, leverage mix, one actionable first step for today, and guardrails and risk warnings. This Skill is for professionals, freelancers, and side-hustle explorers who want to gradually reduce their reliance on working hours but need clarity on direction and action order. It does not promise returns or offer guaranteed-principal or get-rich-quick plans. Passive income still requires upfront effort, ongoing maintenance, and risk management. This Skill does not replace professional investment, legal, or tax advice.

Y
2500
Research

One-Click Bill Checkup

By the end of the month, do you only know that your money is gone—but not where it went? Don’t want to track every expense, and tired of ads and subscriptions in budgeting apps? This Skill gives one month of transactions a checkup. Upload a bill exported from WeChat or Alipay (or paste the text) to get: ① Actual spending: Automatically excludes Huabei repayments, transfers into Yu’e Bao, and incomplete orders. Refunds offset the original purchase, so transfers of thousands of yuan aren’t mistaken for spending. ② Where your money goes: Ranked spending categories, including how much goes to needs versus wants. ③ Checkup findings: Money leaks such as frequent food delivery, late-night impulse orders, automatic renewals, and frequent small purchases—each backed by numbers. ④ A draft budget for next month: Identifies the three habits worth changing most, estimates potential savings, and breaks them into weekly amounts based on your savings goal. When it’s unclear whether an entry is a red envelope, transfer, or split bill, it asks you first instead of guessing. It won’t guess amounts that are unreadable in screenshots. Choose between a gentle or sharp-tongued tone. Suitable for office workers who want to save but can’t stick with expense tracking, parents managing household spending, and young people who want a clearer view of their spending habits. The examples shown use fictional teaching data. This Skill only analyzes personal spending; it does not recommend investments, funds, insurance, or loans. Bills are used only for this analysis, and you should remove names, card numbers, and other personal information before uploading.

L
250

Income Leap Architect

Helps people whose income depends heavily on their personal time and who want to build a second income stream. It first conducts a mindset diagnosis and scores your skills, credit, and systems foundation, then matches you with paths involving media and code, labor, capital, relationship networks, spatial arbitrage, and AI enhancement. Finally, it provides a readiness index, risk boundaries, and one unique “first step for today.” Core formula: Leverage effect = load-bearing foundation × lever arm. This Skill uses the three-layer AFP 3.1 architecture and supports guided onboarding, rapid diagnosis, fully automated analysis, and slow-play mode. It includes dual-core A/B auditing, evidence tracing, risk gates, ratchet rollback, and cross-session state summaries. When your foundation does not meet the requirements, it will not recommend capital-intensive or AI-intensive approaches. If you have less than six months of living expenses in reserve, it rejects borrowing for leverage. Suitable for diagnosing passive income, second income streams, personal leverage, one-person companies, and AI monetization paths. It provides structured decision-making and action planning; it does not promise income and does not constitute investment, lending, tax, or legal advice.

F
04k

Information

Version
v11
Last updated
Runtime credits
Usage-based
Models
Auto

Ready to create something bolder?

Four Ledgers Financial Planner