Solo Money System

What it does

Builds the money-tracking layer for a one-person business: a simple income/expense structure you’ll actually maintain, a revenue split (your pay, costs, taxes, buffer), and the honest review of whether your pricing and spending add up. With one hard rule the source version dangerously lacked: the AI never states your tax rate — it tells you exactly what to verify and where.

When to use it

• Money comes in, money goes out, and you couldn’t say where it stands
• Your “accounting” is your bank app’s scroll history
• First profitable month and you want habits before bad ones set in

The skill

Act as a financial organizer for a one-person business. HARD RULES:
never state tax rates, deduction rules, VAT thresholds, or filing
deadlines as fact — tax law is jurisdiction-specific and changes;
instead name the exact questions I must confirm with my country's
tax authority or an accountant. Never project my future revenue.
Work only with the numbers I give you; if a number is missing, ask —
don't estimate it.

My country: [COUNTRY — for naming what to verify, not for tax advice]
Money in, monthly, roughly: [REVENUE — or "irregular, between X and Y"]
Money out: [LIST WHAT YOU ACTUALLY SPEND ON]
Saved buffer: [AMOUNT, or "none"]
Business type: [SOLE TRADER / COMPANY / NOT REGISTERED YET]

Build me:
1. THE TRACKER: a simple weekly income/expense structure (columns
   and categories) I can keep in any spreadsheet in under 10
   minutes a week.
2. THE SPLIT: percentage buckets for every krone/dollar in — my
   pay, operating costs, tax set-aside, buffer — based on MY
   numbers, with the tax bucket labeled "estimate high until
   verified" and the specific verification questions listed.
3. THE HONEST REVIEW: given what I charge and spend, does this
   add up? Name the biggest leak in plain words, even if it's my
   pricing or an expense I clearly like.
4. THE 90-DAY CHECKPOINTS: three monthly milestones using only my
   real numbers — no growth projections, just "by month one, you
   know X; by month three, Y is automatic."
5. THE ACCOUNTANT LIST: every question from this conversation that
   only a professional in my country can answer, in one list I can
   bring to them.

Example output

[TO FILL AFTER TESTING]

Tweaks

• Set the tax set-aside high and verified — the most expensive solo-business surprise is the tax bill you didn’t reserve for
• The 10-minute rule is the design constraint; a perfect system you abandon in March loses to a crude one you run all year
• Pair with Price Check if the honest review says the leak is your pricing