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skills/agent-smith/assets/templates/living/README.md

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+# Living Arrangement Templates
+
+Choose ONE template that matches how you manage household finances.
+
+## Available Templates
+
+- `single.yaml` - Managing finances alone
+- `shared-joint.yaml` - Partner/spouse, pooled income, joint accounts
+- `shared-hybrid.yaml` - Some joint accounts, some separate
+- `separated-parents.yaml` - Child support, shared custody expenses
+- `sharehouse.yaml` - Splitting bills with roommates
+
+## YAML Schema
+
+Same structure as primary templates, with `layer: living`.