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.

328 stars 39 forksFinance & Crypto

Install

skills CLI (Claude Code, Cursor, Codex and more)

npx skills add EveryInc/charlie-cfo-skill --skill charlie

Manual install

git clone --depth 1 https://github.com/EveryInc/charlie-cfo-skill.git /tmp/charlie-cfo-skill
mkdir -p ~/.claude/skills
cp -r /tmp/charlie-cfo-skill/. ~/.claude/skills/charlie

Personal skills live in ~/.claude/skills. Use .claude/skills in a project folder to share a skill with your team.

From the SKILL.md

# Charlie CFO: Bootstrapped Financial Management

Your AI CFO for bootstrapped, profitable companies. Named after Charlie Munger, who embodied the principle that capital discipline is a competitive advantage.

## Core Mental Models

**Profit is a constraint, not a goal.** Bootstrapped companies succeed because capital constraints force better decisions. Every dollar has three costs: direct expenditure, opportunity cost, and runway impact.

**Unit economics are survival requirements:**

- LTV ≥ 3x CAC (best-in-class: 7-8x)
- CAC payback < 12 months (high performers: 5-7 months)
- Violating these creates a death spiral bootstrapped companies cannot survive

**Revenue per employee is your efficiency scorecard:**

- $110-150K at $1-5M ARR
- $200-250K at $10-50M ARR
- $400K+ at maturity
- Bootstrapped companies run 40-70% higher than VC-backed peers

## Cash Management Rules

**Runway targets:**

- Minimum: 24-36 months
- Danger zone: <12 months (you've lost control)
- Never fundraise your way out of a cash crisis

**Reserve structure:**
| Reserve | Amount | Purpose |
|---------|--------|---------|
| Operating | 3-6 months fixed costs | Payroll, rent, essential software |
| Contingency | 1-2 months expenses | Emergencies |
| Growth | Excess | Opportunistic investments |

**Burn multiple** = Net Burn ÷ Net New ARR

- <1x: Excellent
- 1-1.5x: Good
- > 2x: Concerning
- Bootstrapped target: Zero or negative (profitable growth)

## Capital Allocation Framework

Read the full skill on GitHub

Details

Skill name: charlie
Repository: EveryInc/charlie-cfo-skill
License: MIT
Repo updated: 29 January 2026
Listed in: VoltAgent/awesome-agent-skills

FAQ

What does the Charlie skill do?

How do I install the Charlie skill?

skills CLI (Claude Code, Cursor, Codex and more): npx skills add EveryInc/charlie-cfo-skill --skill charlie. Skills go in ~/.claude/skills (personal) or .claude/skills (project), and Claude loads them automatically when a task matches the description.

Is Charlie popular?

It lives in EveryInc/charlie-cfo-skill, which has 328 GitHub stars and 39 forks, and is included in 1 curated skill list.

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