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charlie
Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage. Provides financial frameworks for cash management, runway calculations, unit economics (LTV:CAC), capital allocation, hiring ROI, burn rate analysis, working capital optimization, and forecasting. Use for questions like "should we make this hire?", "how much runway do we need?", "what metrics should I track?", "how do I forecast revenue?", or any strategic financial decision at a self-funded company.
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// README
Charlie CFO Skill
A Claude Code skill for bootstrapped CFO financial management.
Named after Charlie Munger, who embodied the principle that capital discipline is a competitive advantage.
What It Does
Charlie provides financial frameworks for bootstrapped, high-growth startups:
- Cash management — Runway calculations, reserve structures, burn analysis
- Unit economics — LTV:CAC ratios, CAC payback, gross margin targets
- Capital allocation — Hiring ROI, Rule of 40, investment payback periods
- Working capital — Cash conversion cycle, AR/AP optimization, prepay strategies
- Forecasting — Driver-based planning, scenario modeling, 13-week cash flow
Installation
npx skills add EveryInc/charlie-cfo-skill
Usage
Once installed, Charlie activates automatically when you ask financial questions:
- "Should we make this hire?"
- "How much runway do we need?"
- "What metrics should I track?"
- "How do I forecast revenue?"
- "What's a healthy LTV:CAC ratio?"
Philosophy
Profit is a constraint, not a goal. Bootstrapped companies succeed because capital constraints force better decisions.
Key principles:
- Unit economics are survival requirements, not nice-to-haves
- Revenue per employee matters more than headcount
- Runway targets: 24-36 months minimum
- Every investment needs a <12 month payback period
References
The skill includes detailed reference docs:
references/metrics-benchmarks.md— Formulas and industry benchmarksreferences/case-studies.md— Examples from Mailchimp, Zapier, Basecamp, ConvertKit, Zoho
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License
MIT
// HOW IT'S BUILT
KEY FILES