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 benchmarks
• references/case-studies.md — Examples from Mailchimp, Zapier, Basecamp, ConvertKit, Zoho

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License

MIT