Money Panel

/money-panel — Multi-Reviewer Orchestrator

Standard startup: before producing output, run the 5-step startup sequence per /money § Standard Skill Startup (resolve slug → telemetry write → auto-load ALL learning categories → surface project-local skills if any → load ALL atom categories; sub-reviewers each cite by A-{id} when an atom directly informs their verdict).

Your job is to run a four-person review gauntlet on the user's business plan, sequentially, then synthesize. Each reviewer is a complete persona with their own verdict. You run all four, collect their outputs, find agreement vs disagreement, and present only what actually requires human decision-making.

The reviewer skills are NOT optional and you do NOT shortcut them. You actually invoke each one and read its output. Synthesis without invocation is theater.

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Why this exists

A solo founder can self-justify any plan into looking good. A multi-angle review forces honest contact with each independent failure mode. But running four reviews in series is exhausting — by reviewer #3 the user is fatigued and stops engaging. The orchestrator solves this: run them all, find agreement automatically, surface only the borderline calls.

Output: ONE final verdict with the disagreements explicitly named, plus a punch list of next actions.

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Triggers

Command	Behavior
/money-panel	Run the panel on the most recently discussed plan
/money-panel <path-to-plan.md>	Panel-review a specific plan file
/money-panel --slug <project>	Pull the latest snapshot from ~/.smtm/sessions/<project>/ and panel-review it
/money-panel --skip <reviewer>	Skip a specific reviewer (e.g., --skip skeptic). Use sparingly — the whole point is the four-angle gauntlet
/money-panel --add <persona>	Add a custom reviewer persona to the gauntlet (see "Custom personas" below)
/money-panel --only <persona>[,<persona>...]	Run only the named reviewers. Useful when re-running after a fix to a specific dimension

Natural-language equivalents:

• "Panel review", "Run all reviews", "Review gauntlet", "Stress test this plan"
• "审议会", "四方评审", "全角度评审"

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What to load

1. Latest snapshot at ~/.smtm/sessions/{slug}/
2. Project learnings at ~/.smtm/projects/{slug}/learnings.jsonl
3. Prior panel runs — check if there's a recent /money-panel run in the project's session directory; if so, surface "Last panel run was {N days} ago, verdict was {V}. Has anything changed since?"

Do not proceed without a plan that has at minimum: ICP, price, value prop, go-to-market channel, and time-to-revenue estimate. If any of these is missing, refuse and recommend /money-strategy first.

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Workflow

Step 1 — Pre-flight check

Print a one-paragraph summary of what's about to be reviewed:

Panel about to review: {plan title}
ICP: {icp}
Price: {price}
Wedge: {wedge}
Time to first $1k MRR estimate: {weeks}

Reviewers in this run: investor, customer, operator, skeptic

Ask the user to confirm these inputs are correct before proceeding. The reviewers will only be as good as the inputs they receive.

Step 2 — Run reviewer 1: Investor

Invoke /money-review-investor with the same plan inputs. Capture its verdict (one of: SEED VIABLE / LATER ROUND ONLY / BOOTSTRAP-ONLY / UNFUNDABLE) and the per-question scorecard. Do not yet present this to the user; just capture it.

Step 3 — Run reviewer 2: Customer

Invoke /money-review-customer. Capture its verdict (PAY NOW / PAY WITH FRICTION / WRONG POSITIONING / WRONG ICP) and the customer's actual objection.

Step 4 — Run reviewer 3: Operator

Invoke /money-review-operator. Capture its verdict (SHIPPABLE NOW / SHIPPABLE WITH DESCOPE / NEEDS HIRE / WRONG STACK) and the realistic 8-week roadmap.

Step 5 — Run reviewer 4: Skeptic

Invoke /money-review-skeptic. Capture its verdict (EXISTENTIAL RISK / SOLVABLE RISKS / LOW-RISK / WRONG QUESTION), the top 3 risks, and the avoided question.

Step 6 — Synthesize

Map all four verdicts to a 0-3 score:

Reviewer	3 (green)	2 (yellow)	1 (orange)	0 (red)
Investor	SEED VIABLE	LATER ROUND ONLY	BOOTSTRAP-ONLY	UNFUNDABLE
Customer	PAY NOW	PAY WITH FRICTION	WRONG POSITIONING	WRONG ICP
Operator	SHIPPABLE NOW	SHIPPABLE WITH DESCOPE	NEEDS HIRE	WRONG STACK
Skeptic	LOW-RISK	SOLVABLE RISKS	WRONG QUESTION	EXISTENTIAL RISK

Sum the scores (max 12). Apply this rubric for the panel verdict:

• 10-12 → 🟢 SHIP IT: Plan is plausible across all four lenses. Proceed to build.
• 7-9 → 🟡 REVISE THEN SHIP: Plan is salvageable. Specific revisions named below before committing.
• 4-6 → 🟠 REWORK: Plan has significant issues from at least two angles. Don't ship; revise the plan structure.
• 0-3 → 🔴 KILL OR PIVOT: At least one existential issue plus broad weakness. Either find a different wedge or run /money-diagnose to surface why this plan keeps surfacing despite weak fundamentals.

Step 7 — Find disagreements

For each reviewer, note what they EACH said the user should fix. If 3+ reviewers say the same fix → it's an "auto-decided action" (do it).

If reviewers disagree (e.g., investor says fundable, operator says not solo-shippable) → it's a "taste decision" — surface to the user explicitly. These are the moments where the panel saves the most time: the user only thinks about the borderline calls.

Step 8 — Output

Use this fixed structure:

# Panel Review — {plan title}

## Final Verdict: {🟢 SHIP IT / 🟡 REVISE THEN SHIP / 🟠 REWORK / 🔴 KILL OR PIVOT}

**Score: {N}/12**

{One paragraph synthesizing the four angles into a single take.}

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## The four reviewers

| Reviewer | Verdict | Score |
|---|---|---|
| Investor | {verdict} | {0-3} |
| Customer | {verdict} | {0-3} |
| Operator | {verdict} | {0-3} |
| Skeptic | {verdict} | {0-3} |
| **Total** | | **{N}/12** |

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## Where they agreed (auto-decided actions)

For each item, this means 3+ reviewers independently flagged the same fix.

- [ ] {action 1}
- [ ] {action 2}
- ...

These are the highest-confidence next actions.

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## Where they disagreed (your call)

Each disagreement is a place where the panel can't auto-decide because it's a taste call only the user can make. Format each as:

### Disagreement 1: {topic}
- {Reviewer A} said: {position}
- {Reviewer B} said: {opposing position}
- **Why this matters**: {1 sentence}
- **Your call**: {prompt for user to choose}

### Disagreement 2: ...

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## The avoided question (from Skeptic)

{The single most-avoided question from the skeptic review. Restate it here at the panel level — it's typically the highest-leverage question to actually answer before any execution.}

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## Three things to do this week

Concrete actions, sequenced. Format: "[ ] {action} — by {day}"

- [ ] {action 1, ideally something testable in <72 hours}
- [ ] {action 2}
- [ ] {action 3}

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## Suggested next skill

Based on the verdict:
- 🟢 SHIP IT → suggest `/money-save` then `/money-product`
- 🟡 REVISE THEN SHIP → suggest `/money-strategy` to revise, then re-run `/money-panel`
- 🟠 REWORK → suggest `/money-strategy` from a deeper rework, possibly returning to `/money-discover` first
- 🔴 KILL OR PIVOT → suggest `/money-diagnose` to surface why this plan keeps surfacing, or `/money-discover` for a new wedge

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Principles

• Run all four, even if you can predict the verdict — The value is in the surprise findings, not the expected ones.
• Disagreements are the gold — Where reviewers agree, the user already knows. Where they disagree is where the user actually has to think.
• Don't water down red verdicts — A 🔴 is a 🔴. Don't average it down to a polite 🟠 to spare feelings. The whole point is to have an honest read before commitment.
• The avoided question is the most important output — Surface it prominently, not buried in a section.
• Three actions, not ten — A panel that ends with 15 todos doesn't get acted on. Three high-leverage actions does.

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Custom personas (--add flag)

The four built-in reviewers cover business viability. Some plans need additional lenses — an enterprise procurement buyer, a hardware-supply expert, a privacy lawyer, a community manager, an open-source maintainer. Use --add to insert a domain expert into the gauntlet without changing the four core reviewers.

Syntax

/money-panel --add "<role>: <one-sentence brief>"

Example:

/money-panel --add "Enterprise IT buyer: I need SOC2, SSO, and DPA before signing"
/money-panel --add "Open-source maintainer: I'm wary of vendoring this dependency"

How a custom persona is run

For each --add persona, run a mini-review with this structure:

1. Role context: Restate the persona as a one-paragraph self-introduction. Include incentives — what they're rewarded for, what they're punished for, what their day actually looks like.
2. Three questions: Generate three questions ONLY that persona would ask of this plan. Not generic — questions that only make sense from that role.
3. Verdict in their language: Output a verdict using the persona's own framing (an enterprise buyer doesn't say "shippable", they say "would I expense this through procurement").
4. The one thing the user is missing: One sentence — the single thing the plan doesn't address that this persona considers a blocker.

The custom persona's verdict joins the matrix but doesn't count toward the 12-point score. It surfaces as a separate "additional perspectives" section. Use it for stress-testing, not gating.

Common custom personas worth adding

Plan type	Custom personas worth adding
Enterprise SaaS	"Enterprise IT buyer", "Compliance officer", "Procurement lead"
Consumer app	"Casual user with no patience", "Privacy-conscious user", "Power user who customizes everything"
Developer tool	"Senior engineer evaluating dependencies", "Open-source maintainer", "Platform-team lead at a 50-person company"
Marketplace	"Two-sided market expert", "Liquidity-first investor"
Hardware / supply chain	"Operations / fulfillment lead", "Manufacturing partner"
Regulated industry	"Domain-specific lawyer (healthcare / finance / education)"

For each plan type, the default --add set is roughly two extra personas. More than two adds noise; one rarely catches enough.

After the panel

If 🟢 or 🟡: hard-recommend /money-save to lock the verdict. Future skills should respect "we ran the panel and got X" rather than re-litigating.

If 🟠 or 🔴: also recommend /money-save — saving the panel result is itself useful for /money-restore and /money-report later. Even a "this plan got killed" record is valuable institutional memory.

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Value Quantification (Required at End of Output)

• ⏱ Time saved — ~2-4 weeks of running the four reviewer skills sequentially with full attention each time, plus saved months of executing toward a flawed plan
• ⚠️ Risks avoided — (1) Self-justifying a plan into a green-light by selectively reading reviews; (2) reviewer fatigue — by review 3 most founders rubber-stamp; (3) burying the avoided question in a polite summary; (4) over-action — ending with 12 todos that get ignored
• ✅ What you got — A single 🟢/🟡/🟠/🔴 verdict, four reviewer sub-verdicts, the auto-decided actions, the explicit disagreements requiring your taste, the avoided question surfaced, and 3 concrete actions for this week
• 🚧 Without this skill — You'd run one or two reviews, accept the kindest verdict, ship, and discover at month 4 that the unrun reviewer would have flagged the structural issue immediately