Wealth Roadmap
Seven stages from stability to financial independence
"Become an owner of productive systems that create more economic value than the resources required to maintain them."
Conservation of Value
ΔWealth = (Value Created × Capture Rate) − Value Consumed
Wealth Mental Model
Wealth = Ownership × Value × Scale × Time
Income Identity
Income (Y) = Consumption (C) + Capital (K) + Protection (P)
Keep me alive
Essential Consumption
Let me experience life
Lifestyle Consumption
Increase my future freedom
Capital & Compounding
A financially intelligent person doesn't eliminate #1 or #2. They refuse to sacrifice #3. Never allow 100% of income to become consumption.
Eventually you stop working for money. Money begins working through assets you own.
Minimum non-negotiable: 10% to capital at any income level or life stage. When income rises, allocate at least 50% of the new increment to capital before adjusting lifestyle.
Code / Software
Permissionless — execute at near-zero marginal cost
Media / Content
Permissionless — works on your behalf 24/7
Capital
Requires prior capital baseline to deploy
Labor
Multiplies your time; highest overhead to manage
Code and media are permissionless — no prior capital or approval required. These map directly to the Income Engine categories in this app.
These two numbers power the Wealth Health metrics on your Dashboard.
All amounts are stored and displayed in USD. Choose your preferred entry currency.
Your monthly income goal — shown on the Dashboard progress bar.
Your total monthly personal spending — one number, not a budget category tracker.
The % of income you commit to always reinvest into productive assets. Floor: 10%.