Austerity Livingv1.0.0

User loses primary income source and needs to cut expenses by 50-60%. The skill provides a prioritized payment hierarchy and actionable steps to renegotiate bills, reduce housing costs, and access government benefits like Medicaid and SNAP.

After divorce, income may drop significantly while fixed costs remain. The skill helps prioritize shelter and child support, negotiate debts, and slash discretionary spending to stabilize finances during transition.

User shifts to disability benefits, often at a fraction of previous income. Skill guides them through applying for assistance programs (LIHEAP, food banks) and cutting non-essential expenses to live within new means.

With high student loan payments and reduced income, user can use income-driven repayment plans ($0 possible) and reallocate funds to essential bills. Skill also suggests negotiating other debts and insurance reductions.

When emergency savings run out, user needs immediate drastic cuts. Skill provides a survival budget (rice, beans, etc.) and a hierarchy to avoid eviction, utility shutoff, and car repossession while maintaining dignity.

Offer a monthly subscription that provides updated benefit eligibility checks, bill negotiation tools, and personalized austerity plans. Revenue from recurring fees ($5-15/month).

Free access to the basic skill (hierarchy, tips) upsells to a one-time or annual premium audit where a human coach creates a custom budget and negotiates bills on behalf of the user. Revenue from audit fee ($100-200) or coaching packages.

Integrate sign-ups for government benefits (SNAP, Medicaid) and services (food banks, 211) with referral links. Revenue from donations or small referral fees from partner organizations (e.g., NeedyMeds).