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The Zero-Based Budgeting skill equips Claude with specialized expertise in the 'give every dollar a job' methodology, providing standardized implementation patterns for modern financial applications. It offers precise formulas for calculating 'Ready to Assign' balances, managing category rollovers across multiple periods, and handling the nuanced logic of credit card debt and payment categories. This skill is essential for developers building personal finance tools or automation scripts that require accurate, debt-aware financial allocation and historical spending analysis.