AgentSkillsCN

3-levels-of-money

丹·科伊提出的金钱观与人生哲学，助您摆脱“工资奴隶”的桎梏。 触发条件： - 当用户感到自己被困于职场，或深陷“工资奴隶”的困境时； - 当用户思考金钱心态，或探寻自己与金钱的关系时； - 当用户渴望逃离朝九晚五的单调生活时； - 当用户虽赚了钱，却依然内心空虚时； - 当用户追问“如何追寻一生所爱”时； - 当用户坦言自己仿佛总在“生存模式”中挣扎时。 核心能力： - 诊断用户当前所处的金钱层次； - 指引用户迈向更高的人生境界； - 运用“反愿景”法则激发内在动力； - 引导用户经历从“失调”到“不确定”，再到“发现”的成长阶段。

SKILL.md
--- frontmatter
name: 3-levels-of-money
description: |
  Dan Koe's framework for understanding your relationship with money and escaping wage slavery.

  TRIGGERS:
  - When user feels trapped in their job or "wage slavery"
  - When user asks about money mindset or relationship with money
  - When user wants to escape the 9-5
  - When user feels empty despite making money
  - When user asks about pursuing their "life's work"
  - When user mentions feeling like they're in survival mode

  CAPABILITIES:
  - Diagnose which money level the user is at
  - Provide the path to the next level
  - Apply the Anti-Vision protocol for motivation
  - Guide through the phases of development (Dissonance → Uncertainty → Discovery)

The 3 Levels of Money

From Dan Koe's article "The 3 Levels Of Money (How To Escape Wage Slavery)"

The Framework

Everyone plays one of three money games:

Level 1: Survival (90% of people)

Money as master. Make enough to not die.

Characteristics:

  • •Work is seen as necessary suffering
  • •Exchanging time is the only way to make money
  • •Retirement is the only escape
  • •Inherited patterns from parents (save for emergencies, pursue high-paying job as end goal)
  • •Compare down ("at least I'm not homeless")
  • •Hope to win the lottery

Shadow patterns at this level:

  • •Judge wealthy people as immoral or lucky
  • •Bond with friends by complaining
  • •Mistake being cheap for wisdom
  • •Manufacture drama for excitement instead of pursuing exciting goals

Level 2: Success (9% of people)

Money as scoreboard. Make enough to matter.

Characteristics:

  • •Escaped the job but built a new 9-5
  • •Chase revenue and status
  • •Feel empty despite the money
  • •Identity tied to income
  • •Neglect other life domains (mind, body, spirit, relationships)

The trap: Thinking the solution to emptiness is to stop making money. Wrong. Money at level 3 reflects complex development and value.

Level 3: Sacred (1% of people)

Money as energy. Make enough to authentically create.

Characteristics:

  • •Work feels like play
  • •Discipline is the default
  • •Can't wait to get up and do what you love
  • •Learning and earning collapse into one
  • •Feel responsibility to customers
  • •Don't need an escape because you wouldn't want to be doing anything else

The Path Between Levels

You cannot skip levels.

Level 1 → Level 2: Solve survival problems

  • •Get fed up with living by someone else's script
  • •Experience dissonance (realize where your path leads)
  • •Enter uncertainty (experiment with side hustles, skills)
  • •Discovery (find hidden value you can offer)
  • •Enter a "channel" of intense development

Level 2 → Level 3: Solve success problems

  • •Get fed up with chasing success in isolation
  • •Have a meaning crisis
  • •Realize your work isn't your life's work (if it was, it wouldn't be for sale)
  • •Develop other life domains (mind, body, spirit)
  • •Find work that you'd do regardless of payment

The Development Phases

Every level transition follows three phases:

  1. •Dissonance: Become aware of where your life is heading. Map it out. Feel the pain.
  2. •Uncertainty: Use distaste as fuel to experiment. Learn, fail, persist.
  3. •Discovery: Realize you have hidden value. Focus energy. Get sucked in.

Accelerants:

  • •Channels: Periods of intense, obsessive development that compress years into months
  • •Glitches: High-risk accelerants (life crisis, do-or-die situations)

The Max Story (Level 1 → Level 2 Example)

Marketing coordinator, $45K, gaming weekends, Monday dread.

Trigger: Sees friends making 3x at startup. Gets rejected for promotion. Does life math: 3% raises = $52K in 5 years while rent increases $200/month yearly.

Process:

  1. •Buys self-help books, watches Hormozi, joins communities (uncertainty)
  2. •Tries dropshipping, crypto, FBA (all fail)
  3. •Realizes he has one skill: Google Ads from his job
  4. •Finds a Twitter thread on freelancing with Google Ads
  5. •Emails local gym: "Only pay me if it works"
  6. •First $500 from his own will. Internal shift.
  7. •Month 15: Quits job.

Key: He started with his profession (existing skill) and amplified it.

Application Questions

To diagnose level:

  • •Do you see work as necessary suffering? (Level 1)
  • •Do you feel empty despite revenue growth? (Level 2)
  • •Does your work feel like play? (Level 3)

To create dissonance:

  • •In 5 years, if nothing changes, what does your average day look like?
  • •What areas of life are you sacrificing for money?
  • •Who would you become if your only identity was your revenue?

To find the path:

  • •What pain point, passion, or profession could become independent income?
  • •What skills have you developed that others would pay for?
  • •What would you do if you didn't need the money?

Key Quotes

"Money is not evil. That's level 1 thinking."

"If Loom was truly his life's work, it wouldn't be for sale."

"You can make millions at any level - but your relationship with money is drastically different."

"Happiness is resistance being overcome."

The Meta Model: Creator Path

The most accessible path to Level 3 in the digital age:

  1. •Build your own thing and put it in front of people
  2. •Start with pain point, passion, or profession
  3. •Use digital leverage (content, products, software)
  4. •Pursue meaning-driven markets

You're not becoming a "content creator" - you're using creator tools to pursue your life's work.