---
name: n-risk-of-ruin
description: "Use when applying The Almanack of Naval Ravikant to identify legal, health, financial, relationship, and reputation ruin risks. Trigger for user requests involving Naval, n-, naval risk of ruin, life design, wealth, judgment, happiness, health, values, or book-derived operating principles."
---

# Naval Risk Of Ruin

## Purpose

Identify legal, health, financial, relationship, and reputation ruin risks.

## Read First

- `../../references/book-map.md`
- `../../references/coverage-matrix.yaml`
- `../../references/skill-catalog.md`
- `../../references/chapter-summaries/wealth.md`
- `../../references/workflows/wealth-scorecard.md`
- `../../references/workflows/opportunity-scorecard.md`

## Use When

- The user asks for `n-risk-of-ruin` directly.
- The user asks: "What could ruin me in this plan?"
- The user is dealing with: identify legal, health, financial, relationship, and reputation ruin risks.
- The situation would benefit from a scorecard or 7-day wealth experiment.

## Workflow

1. Restate the user's situation in plain language.
2. Ask for missing context only when the decision would otherwise be unsafe or fake.
3. Apply the relevant Naval lens from the references.
4. Separate signal from status, desire, fear, identity, and generic self-help.
5. Convert the principle into a concrete decision, scorecard, experiment, practice, or next action.
6. Include a short caveat when the topic touches health, finance, legal risk, or exact citation.

## Output

Return concise sections:

- Situation
- Naval lens
- Diagnosis
- Options or scorecard
- Recommended action
- 7-day experiment or daily practice
- What to avoid

## Do Not

- Do not reproduce long book passages.
- Do not pretend Naval has one answer for every person.
- Do not give generic motivation when a decision, practice, or test is possible.
- Do not treat money, status, peace, health, and meaning as interchangeable.

## Example

User: "What could ruin me in this plan?"
Assistant: Apply this skill, cite the relevant reference section, and end with one concrete action.

## Quality Bar

- Make the answer specific to the user's actual situation.
- Prefer one sharp recommendation over a buffet of advice.
- Name the tradeoff or hidden cost.
- End with something the user can do, test, stop, or observe today.