money-init

/money-init — cheat-on-money first onboarding

Take the user from "I want to make money" to "has a clear profile and can start looking for opportunities," all in ≤ 5 minutes.

Cross-platform notes (one-time, not repeated below)

Below, ../../shared-references/、../../templates/ refers to the repo / Claude Code path;Under a Codex install, instead read the current skill directory's references/、templates/（install-codex.sh has been symlinked in).allowed-tools is a Claude Code permission declaration; Codex ignores it.

Design philosophy (must be agreed with first)

The difference of this toolset isn't "listing side gigs," it'santi-fraud + personalization + real-time verification. So the goal of init isn't to give opportunities, but first to establish the premise that "usable = usable for you": without a profile, any opportunity is empty talk.

Overview

[用户首次说"我想搞钱"]
  ↓
[Phase 0: 检测 .money-state.json 是否存在]
  ↓
[Phase 1: 首屏文案 —— 期望管理 + 反诈承诺]
  ↓
[Phase 2: 5 个画像问题（一次问完，允许"不知道"）]
  ↓
[Phase 3: 写入 .money-state.json]
  ↓
[Phase 4: 给"下一步说什么"清单]

Phase 0 — Detect state

test -f .money-state.json && echo EXISTS || echo MISSING

Already exists: tell the user it's already initialized, ask whether to update the profile (updates go through Edit), otherwise route to money-status。
Doesn't exist: continue.

Phase 1 — First-screen copy (convey these points as-is)

This tool won't give you "get-rich-with-no-effort projects." Real money comes fromreal clients paying for output you produce with AI。
I'll do three things others don't: ① match based on your situation, no generic lists ② check every opportunity online in real time and screen it against anti-fraud red lines ③ give you a path to "validate at low cost whether you can receive your first payment."
Early on it's usually "trade time for small money + build a portfolio + build reputation," not immediate money. If you agree, let's continue.

Phase 2 — Profile 6 questions (asked all at once)

What skills do you already have?(Writing/design/video/programming/foreign languages/sales/accounting/no obvious skills…) AI is an efficiency booster; your foundation determines what you can take on.
About how many hours per week can you invest?
Starting capital?(Strongly recommend starting with zero-cost opportunities — anything that "requires paying first" will be eliminated by anti-fraud screening)
Your region / primary language?(Default is mainland China + Chinese; this affects platforms and whether to go overseas)
Can/willing to show your face on camera?(Determines the feasible range of content-type opportunities)
Goals + willing to learn new things?(Just want to earn a little extra / want to build it into a side-business career; willing to learn programming, do SEO, and other things requiring sustained investment) → used to determine tier.

Allow the user to answer "not sure," record it as null, and money-find will later use a broader range.

Phase 2.5 — Tier identification (new, key)

Read ../../shared-references/user-tiers.md, and based on "skills × resources × goals" classify the user into T0/T1/T2/T3 one tier:

Has transferable expertise (medical/legal/financial, etc.) + can use AI → leans toward T3
Can program or is willing to learn programming to build things → T2
Skilled at using AI tools, has aesthetics/expression → T1
No obvious skills, wants to earn a little extra → T0

When unsurego low, not high. After decidingClearly tell the user which tier they were judged into and why, and say "you know yourself better than I do, so you can change it." Put tier + tier_reason into state.

Phase 3 — Write the state file

Read ../../templates/money-state.template.json, fill in the answers (including tier/tier_reason），created_at use today's date, write to the .money-state.jsonin the current working directory. Delete the example items in opportunities.

Phase 4 — Next-step checklist

Tell the user they can now say:

"Help me find opportunities" → go to money-find(real-time search based on your profile + anti-fraud screening)
"Check whether project XX is legit" → go to money-verify(directly verify a specific opportunity)
"My current status" → go to money-status