Live Planning Tool

Map your freedom number.
See your path clearly.

A spreadsheet-accurate estimator that shows your capital target, required growth rate (FFGR), and years to freedom — updated live as you move the sliders. Free to use. $47 for the complete offline kit.

Get the Planner — $47
Free estimator Blueprint export Data stays on your device
MEDIAN USER FREEDOM TARGET
R 11.4M
• 4.2 yrs faster than conventional median
Perspective

Why This Matters

For the serious wealth creator, conventional financial planning offers a quiet kind of failure: it teaches you to accumulate until you can afford to disappear.
We believe the opposite.
Financial freedom is not an escape hatch. It is the platform from which you exercise sovereign leadership — over your time, your capital, your family’s future, and the impact you choose to have in the world.
When your resources are aligned with intention, you stop reacting to markets, to taxes, to life’s surprises. You begin to lead from a position of clarity and strength.
Create. Grow. Preserve. Enjoy.
Three phases of a life well architected. Most plans only ever optimize for the last one.
Mindset

The Shift

Most wealth creators eventually reach the point where the inherited scripts stop serving the life they actually want to lead.

The Old Paradigm
  • Save until a culturally accepted retirement age
  • De-risk into conservative assets and accept lower returns
  • Reduce scope, spending, and ambition to match “safe” income
  • Hope average market conditions and conventional advice are enough
The Sovereign Path
  • Reverse-engineer the precise capital required to fund your chosen life
  • Maintain intelligent growth posture with deliberate allocation
  • Use leverage points to compress the timeline without sacrificing resilience
  • Build optionality so you can lead, create, and enjoy — on your terms
The Shift is the moment you stop building a retirement and start building a platform for the second and third acts of your life.
Four Phases of Capital Architecture

How It Works

A deliberate system built on accuracy, not aspiration.

1. Define Sovereignty

Clarify the exact life you want — time, family, impact, and creative output — without compromise. Your numbers. Your terms.

2. Model With Precision

Calculate your True Freedom Capital Target using inflation, taxes, real estate yields, and differentiated asset returns.

3. Stress-Test Ruthlessly

Run your plan through bear markets, black swans, longevity, healthcare shocks, and tax regime changes.

4. Activate the Roadmap

Receive a prioritized, time-bound action plan with capital allocation, tax strategy, and milestones.

Aligned with the Wealth Creators Method

The Wealth Freedom Estimator

Move the sliders. Watch the exact capital you need, the growth rate your surplus must deliver (FFGR), your active IGR, and your true years-to-freedom transform in real time. This is reverse-engineered sovereignty using the Wealth Creators Method (Dreyer 7 Laws, 4 Levers, Rainmakers Canvas) — not hope.

Calculations use the precise FV (End Point Goal) + RATE (FFGR on level) methodology from the original Wealth Creators spreadsheet. Projections incorporate your IGR for realistic active growth. Property path uses direct deployment at effective net yield (tax drag only 25% of your rate). Effective net cap + IGR shown live.
On Track for Sovereign Freedom
Consistent surplus into property aligns you for freedom on or before schedule. Conventional paths face a far higher hurdle with only static savings and optimistic paper returns.
YOUR FREEDOM SCORE
-- / 100
Strong Position — Excellent Levers
Target yrs • FFGR live vs conventional
Live • Spreadsheet-accurate • Your data stays private
END POINT GOAL
R 9,734,000 future capital target
Future Value (End Point Goal) — today's Capital Required inflated at your chosen rate. The exact nominal target your surplus must compound to by the horizon (spreadsheet FV logic).
FFGR — REQUIRED GROWTH RATE (LIVE)
The compound rate your surplus must deliver to hit the exact End Point Goal on schedule.
CONVENTIONAL PATH
Typical real-world range: 3–8% after fees & taxes
12% is extremely optimistic / lucky for most people. We model a generous best-case 12% cap internally for comparison.
WEALTH CREATORS STRATEGY LOWER HURDLE
5.4%
Surplus → Property at cap rate
The decisive advantage: Wealth Creators keep their actual IRR ahead of the required FFGR because they actively increase monthly surplus through skill and business building, reinvest business profits to compound at high IRR, and deploy capital into property at real net yields. Conventional paths have none of these levers — they face a higher hurdle with only static savings + paper returns.
Your Inputs — Move sliders, everything updates live
years
18
120
years
25
120
R 26,500
R8k
R250k
R
R100
R120k
4.0%
0% (level)
18% (aggressive)
Applied to future contributions in projections. Higher IGR = dramatically lower years to sovereignty.
years
70
110
27 Years in Freedom
How long your wealth may need to support your chosen lifestyle.
5.0%
0%
15%
8.5%
3.5%
12.0%
30%
0%
45%
Path Comparison — Capital efficiency & timeline at a glance
CONVENTIONAL PATH Paper Assets + 3.5% SWR (best-case 12% modeling)
CAPITAL REQUIRED (AT TARGET AGE)
R 31,237,000
YEARS TO FREEDOM
18 years
FUNDING @ TARGET AGE
85% funded • Lags target
WEALTH CREATORS
WEALTH CREATORS STRATEGY
CAPITAL REQUIRED VIA PROPERTY (TODAY'S BASIS)
R 4,045,000
YEARS TO FREEDOM
18 years
FUNDING @ TARGET AGE
97% funded • On target
The Wealth Creators Difference: Property path requires far less capital and a much lower required growth rate than conventional paper-asset paths (which rely on optimistic 12%+ assumptions rarely achieved net of fees, taxes & behavior). Your surplus works harder because the yield on assets is higher and direct. Wealth Creators further amplify by growing surplus via skill/business and compounding at real IRRs.
Move the sliders above. Your personalized reading of the numbers — including which levers will accelerate you most and the exact math from the Wealth Creators spreadsheet — will appear here in real time.
Quick adjustments — watch FFGR & years shift live
All real-time
The estimator shows the core math of the Wealth Creators Strategy. Wealth Creators grow surplus via skill & business, reinvest profits to compound IRR, and deploy into property at real yields — keeping their actual engine ahead of the (lower) required FFGR. Conventional paths lack these levers.
The Operating System

The Four Levers That Actually Move the Needle

These are not tweaks. They are the fundamental forces Wealth Creators use to compress decades into years and millions into far less capital. Click any lever to feel the effect live in the estimator above.

1. Surplus Growth (The Primary Engine)
Your ability to increase what you can direct each month — through skill, new offers, or business profit — is the highest-leverage variable in existence. Small, consistent growth here beats almost any investment return.
2. Property at Real Net Yields
When you own cash-flowing property at true 7–9%+ net yields (after expenses), the capital you need to acquire drops dramatically compared to hoping for 3.5% safe withdrawal on paper assets. Yield is destiny.
3. Business Profit Reinvestment
The returns you can compound inside your own business or skill (often 25–60%+ IRR on reinvested profit) are the true asymmetric weapon. The model captures this as amplified surplus power that no conventional portfolio can match.
4. Timeline & Longevity Horizon
Your Full Life Age assumption and the resulting “Years in Freedom” (the period your wealth must last) is not an afterthought — it is the frame that determines how conservatively or powerfully you architect the plan. Longer, intentional horizons create more optionality.
These levers work together. The estimator shows the compound effect instantly.
TRANSPARENCY & TRUST

The Math Behind the Magic

End Point Goal (Future Value): Capital Required today × (1 + inflation)^years. This is the exact nominal target your surplus must compound to.

FFGR (Required Growth Rate): Solved via RATE(years × 12, −monthly surplus [level nominal], 0, End Point Goal) × 12. Level contributions for a conservative, honest hurdle (the bar you must clear).

IGR (Your Active Income Growth Rate): The % annual growth in your surplus via skill, offers, business systems, and Rainmakers Canvas. This is applied in projections (not the hurdle) — the primary Dreyer lever that makes real freedom dramatically more achievable than passive assumptions.

Property Path: Capital = Annual Income ÷ Effective Cap Rate (Cap × (1 − 0.25 × your tax rate)). 25% tax drag models real advantages. Projections use cumulative deployment + your IGR.

Conventional Comparison: Future SWR capital on inflated income with full tax drag + optimistic paper returns (real-world 3–8% net typical).

All formulas match the original Wealth Creators / Dreyer spreadsheet methodology (FV + RATE + effective yields + active IGR). Your Blueprint reflects the 7 Laws and 4 Levers in action.

Proof in the Numbers

Real wealth creators. Real shifts in capital and time.

These are illustrative but grounded journeys. Load any scenario into the live estimator to see exactly how the levers created the outcome.

DR. THABO M — 47, Specialist Surgeon, Johannesburg
“I was staring at an 11-year conventional retirement number that felt impossible on my income. Running the estimator with focused property deployment at 8.8% net + growing locum surplus showed me sovereign freedom in under 7 years. I closed on the first property 4 months later. The math made the decision obvious.”
Capital required: R28M conventional → R6.9M property path • FFGR 11.4% → 5.1%
LINDIWE K — 39, Tech Founder, Cape Town
“My company was generating strong profit. The estimator revealed that deliberately deploying a large portion into 8%+ net property while continuing to grow the business would deliver R1.8M+ passive income in 7 years — and keep the business engine running. I stopped obsessing over a full exit and started architecting true sovereignty.”
Freedom in 7 years (vs ~14 conventional) • 31 years of freedom horizon
JOHAN & MARIA V — 52 & 49, Agri + Property
“We thought we needed R45M. The model showed that with our existing farms (real 9%+ net) plus disciplined surplus, we were already 80% there. We stopped over-saving and started enjoying the land we already owned.”
Freedom Score jumped from 51 → 91 in one planning session
Tangible Value You Can Keep

Your Personalized Assets — Generated from Your Exact Numbers

These are not templates. Every download is built live from the numbers you just modeled. Use them, print them, share them, act on them.

Guided Planning
4-step walkthrough: vision, numbers, stress-test, roadmap
A structured planning session with discovery questions, IGR vs FFGR analysis, and a 5–10 year sanctuary roadmap. Your answers save locally on your device — return anytime to refine your plan.
4 steps · saves on your device
Wealth Freedom Blueprint (HTML/PDF-ready)
A beautiful, self-contained report with your exact inputs, all calculated targets, FFGR, Years in Freedom, Freedom Score, tailored interpretation, and a 90-day activation plan.
Wealth Creators Workbook (CSV)
A ready-to-use tracker with your current numbers pre-filled, projection columns, lever impact tables, and the exact formulas so you can model further in Excel/Google Sheets.
Quick Reference + Math Cheatsheet
One-page printable with the core equations (FV, effective cap after tax drag, RATE solve), the 4 levers, and how to interpret high vs low FFGR.
All downloads are generated in your browser from the current live state. Your data never leaves your device.
DEEPER INTEGRATION — YOUR SOVEREIGN SYSTEM
This plan feeds directly into the full stack:
Quantum Realization → align identity with these exact levers (the missing step that makes numbers inevitable) Sovereign Dashboard + Agent Treasury → aggregate plan + deals + goals; surface automated allocation signals Supersonic Wealth Suite → the complete 7-tool OS, 5-module Quantum course, Golden 4, masterclasses, and founding bundle
The planner gives you the map. Quantum gives you the state. The Dashboard gives you the living cockpit — use them as one system.
Companion tools: PowerGoals Mastery • Property Pro • Formula for Riches • Full Suite

Choose Your Entry

Get the complete Planner kit

The live estimator is free. The $47 kit unlocks the full offline bundle, guided planning, and downloadable blueprints. One-time. No subscription.

Most Popular
Complete Planner Kit
$47 $97
One-time · Lifetime access
  • Everything in the free tool, plus the complete offline edition
  • Freedom Score + IGR / FFGR deep analysis
  • 5–10 year Ownership Sanctuary roadmap
  • Guided 4-step planning walkthrough
  • Downloadable Wealth Freedom Blueprint (PDF-ready)
  • Ecosystem integration (Property Pro, PowerGoals)
Get the Planner — $47
30-day clarity guarantee · Instant access after purchase
Free on this page
$0

Live estimator, 4 Levers, journey scenarios, and basic blueprint preview — use forever at no cost.

Founding Circle
$1,870

Full Suite — all 7 tools, Quantum course, community, and lifetime updates. For builders going all-in.

Explore Founding Access
183 founding spots remaining
No subscription. No upsell treadmill. One clean purchase.
Quick Questions
Is the free tool enough? Many get 80%+ of the value here. The $47 kit adds offline access, guided planning, and full exports.
How accurate is the math? Exact match to the Wealth Creators spreadsheet (FV + RATE, effective yields with tax drag).
Can I use this with my advisor? Yes — print your Blueprint and bring it to them.

Your numbers are ready.
Take the next step when you are.

Run the estimator above, then get the complete kit for $47 — or explore Founding Access for the full Suite.

Get the Planner — $47
One-time purchase · Lifetime access · 30-day guarantee
`; const blob = new Blob([html], { type: 'text/html' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = `Wealth_Freedom_Blueprint_${data.date.replace(/\//g,'-')}.html`; document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url); } function downloadWorkbookCSV() { const d = generateReportData(); const csv = `Wealth Freedom Workbook,${d.date}\n\nINPUTS\nCurrent Age,${d.inputs.currentAge}\nFreedom Age,${d.inputs.freedomAge}\nMonthly Income,${d.inputs.monthlyIncome}\nMonthly Surplus,${d.inputs.monthlySurplus}\nCap Rate %,${d.inputs.capRate}\nInflation %,${d.inputs.inflation}\nFull Life Age,${d.inputs.fullLifeAge}\nTax Rate %,${d.inputs.avgTaxRate}\n\nRESULTS\nEnd Point Goal,${d.results.endPointGoal}\nCap Req Property Today,${d.results.capReqPropertyToday}\nCap Req Conv Future,${d.results.capReqConvFuture}\nYears Target,${d.results.yearsTarget}\nYIF,${d.results.yearsInFreedom}\nFreedom Score,${d.results.freedomScore}\nFunding %,${d.results.fundingProp}\nDelta Years,${d.results.deltaYears}`; const blob = new Blob([csv], { type: 'text/csv' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = `Workbook_${d.date.replace(/\//g,'-')}.csv`; document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url); } function downloadCheatsheet() { const txt = `WEALTH FREEDOM CHEATSHEET\n\nCapital Required (Property) = (Income × 12) ÷ (Cap × (1-0.25*Tax))\nEnd Point = CapReq × (1+inf)^y\nFFGR = RATE(y*12, -surplus, 0, EndPoint) * 12\n\n4 Levers: Surplus Growth • Real Cap Rates • Business IRR • Right Longevity\n\nUse the live estimator. Data stays on your device.`; const blob = new Blob([txt], { type: 'text/plain' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = `Cheatsheet.txt`; document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url); } function claimOffer() { const m = document.createElement('div'); m.className = 'fixed inset-0 z-[99] bg-black/80 flex items-center justify-center p-6'; m.innerHTML = `
Founding access secured.

In production this opens Stripe. Here it unlocks the complete experience (you already have it) + simulated bonuses.

`; document.body.appendChild(m); } function showBlueprintPreview() { const data = generateReportData(); const preview = document.createElement('div'); preview.className = 'fixed inset-0 z-[98] bg-black/90 flex items-center justify-center p-4 overflow-auto'; preview.innerHTML = `
Personalized for ${getUserDisplayName()} • ${data.date}

${getUserDisplayName()}'s Wealth Freedom Blueprint

Inputs
Current Age: ${data.inputs.currentAge} • Freedom Age: ${data.inputs.freedomAge}
Monthly Income (today): R ${data.inputs.monthlyIncome.toLocaleString()}
Monthly Surplus: R ${data.inputs.monthlySurplus.toLocaleString()}
Cap Rate: ${data.inputs.capRate}% (eff after tax drag: ${ (data.inputs.capRate * (1 - (data.inputs.avgTaxRate/100)*0.25)).toFixed(1) }% — the real driver of lower targets)
Inflation: ${data.inputs.inflation}% • Full Life: ${data.inputs.fullLifeAge} • Tax: ${data.inputs.avgTaxRate}%
Key Results
R ${data.results.endPointGoal.toLocaleString()}
End Point Goal (future capital target)
R ${data.results.capReqPropertyToday.toLocaleString()}
Capital Required via Property (today's basis)
Freedom Score: ${data.results.freedomScore}/100 — ${data.results.freedomLabel}
Years to target: ${data.results.yearsTarget} • Years in Freedom: ${data.results.yearsInFreedom}
Property path: ${data.results.deltaYears >= 0 ? data.results.deltaYears + ' years ahead' : Math.abs(data.results.deltaYears) + ' years after'} target • ${data.results.fundingProp}% funded
Timeline Comparison (Property vs Conventional sim years)
Wealth
${data.results.yearsProp} sim yrs
Conv
~${data.results.yearsTarget + 8} yrs est
Interpretation, Levers & 90-Day Activation (Dreyer-aligned • Rainmakers Canvas)
${data.advice.join(' ')}
From the balcony, Quirky Quinn observes: the gap between your FFGR and your IGR is where sovereignty is won. Close it deliberately with the four levers and the numbers become inevitable.
Continue in Quantum Realization → Model yields in Property Pro → Aggregate in Sovereign Dashboard + Agent Treasury → Full Suite & Masterclasses →
Generated live using Dreyer/Wealth Creators FV + RATE (level FFGR) + IGR-augmented projections. 4 Levers + Rainmakers Canvas are the operating system.
`; document.body.appendChild(preview); } // Simple number counter for wow on big live metrics function animateValue(el, start, end, duration = 420) { if (!el) return; const startTime = performance.now(); const isCurrency = el.textContent.includes('R'); const isPercent = el.textContent.includes('%'); function step(now) { const progress = Math.min((now - startTime) / duration, 1); const eased = 1 - Math.pow(1 - progress, 3); // easeOutCubic const current = Math.round(start + (end - start) * eased); if (isCurrency) { el.textContent = 'R ' + current.toLocaleString('en-ZA'); } else if (isPercent) { el.textContent = current.toFixed(1) + '%'; } else { el.textContent = current; } if (progress < 1) requestAnimationFrame(step); else { if (isCurrency) el.textContent = 'R ' + end.toLocaleString('en-ZA'); else if (isPercent) el.textContent = end.toFixed(1) + '%'; else el.textContent = end; } } requestAnimationFrame(step); } function applyLeverage(lever) { const incomeEl = document.getElementById('monthly-income'); const surplusEl = document.getElementById('monthly-surplus'); const surplusNum = document.getElementById('monthly-surplus-num'); const capEl = document.getElementById('cap-rate'); const currentAgeEl = document.getElementById('current-age'); const freedomAgeEl = document.getElementById('freedom-age'); const infEl = document.getElementById('inflation'); const taxEl = document.getElementById('tax-rate'); if (!incomeEl || !surplusEl) return; if (lever === 'add1k') { surplusEl.value = Math.min(120000, parseInt(surplusEl.value) + 1000); } else if (lever === 'add5k') { surplusEl.value = Math.min(120000, parseInt(surplusEl.value) + 5000); } else if (lever === 'boostCap') { capEl.value = Math.min(12.0, (parseFloat(capEl.value) + 0.5)).toFixed(1); } else if (lever === 'reduce10') { incomeEl.value = Math.max(8000, Math.round(parseInt(incomeEl.value) * 0.9)); } else if (lever === 'reset') { if (currentAgeEl) currentAgeEl.value = 40; if (document.getElementById('current-age-num')) document.getElementById('current-age-num').value = 40; if (freedomAgeEl) freedomAgeEl.value = 58; if (document.getElementById('freedom-age-num')) document.getElementById('freedom-age-num').value = 58; incomeEl.value = 26500; surplusEl.value = 28000; if (surplusNum) surplusNum.value = 28000; capEl.value = 8.5; if (infEl) infEl.value = 5.0; if (taxEl) taxEl.value = 30; const flEl = document.getElementById('full-life-age'); const flNumEl = document.getElementById('full-life-age-num'); if (flEl) flEl.value = 85; if (flNumEl) flNumEl.value = 85; } const ageNum = document.getElementById('current-age-num'); const freeNum = document.getElementById('freedom-age-num'); const flNum2 = document.getElementById('full-life-age-num'); if (ageNum && currentAgeEl) ageNum.value = currentAgeEl.value; if (freeNum && freedomAgeEl) freeNum.value = freedomAgeEl.value; if (flNum2 && document.getElementById('full-life-age')) flNum2.value = document.getElementById('full-life-age').value; // ensure surplus num in sync after button changes if (surplusNum && surplusEl) surplusNum.value = surplusEl.value; updateEstimator(); } function initEstimator() { const inputIds = ['current-age', 'freedom-age', 'monthly-income', 'monthly-surplus', 'cap-rate', 'inflation', 'full-life-age', 'tax-rate']; inputIds.forEach(id => { const el = document.getElementById(id); if (el) { el.addEventListener('input', () => { if (id === 'current-age' || id === 'freedom-age') { syncAgeInputs(false); } else if (id === 'full-life-age') { syncFullLifeAge(false); } if (id === 'monthly-surplus') { syncSurplusInput(false); } updateEstimator(); }); } }); ['current-age-num', 'freedom-age-num', 'full-life-age-num'].forEach(id => { const el = document.getElementById(id); if (el) el.addEventListener('input', () => { if (id === 'full-life-age-num') { syncFullLifeAge(true); } else { syncAgeInputs(true); } updateEstimator(); }); }); // surplus number input listener (for direct entry at low values like R100-R2000) const surplusNumEl = document.getElementById('monthly-surplus-num'); if (surplusNumEl) { surplusNumEl.addEventListener('input', () => { syncSurplusInput(true); updateEstimator(); }); } // IGR listener (Dreyer IGR lever) const igrElInit = document.getElementById('igr'); if (igrElInit) { igrElInit.addEventListener('input', () => updateEstimator()); } setTimeout(() => { const ca = document.getElementById('current-age'); const caNum = document.getElementById('current-age-num'); const fa = document.getElementById('freedom-age'); const faNum = document.getElementById('freedom-age-num'); const mi = document.getElementById('monthly-income'); const ms = document.getElementById('monthly-surplus'); const msNum = document.getElementById('monthly-surplus-num'); const cr = document.getElementById('cap-rate'); const inf = document.getElementById('inflation'); const fl = document.getElementById('full-life-age'); const flNum = document.getElementById('full-life-age-num'); const tax = document.getElementById('tax-rate'); if (ca) ca.value = estimatorState.currentAge; if (caNum) caNum.value = estimatorState.currentAge; if (fa) fa.value = estimatorState.freedomAge; if (faNum) faNum.value = estimatorState.freedomAge; if (mi) mi.value = estimatorState.monthlyIncome; if (ms) ms.value = estimatorState.monthlySurplus; if (msNum) msNum.value = estimatorState.monthlySurplus; if (cr) cr.value = estimatorState.capRate; if (inf) inf.value = estimatorState.inflation; if (fl) fl.value = estimatorState.fullLifeAge; if (flNum) flNum.value = estimatorState.fullLifeAge; if (tax) tax.value = estimatorState.avgTaxRate; // IGR init (Dreyer active growth lever) const igrRange = document.getElementById('igr'); if (igrRange) igrRange.value = estimatorState.igr || 4.0; const igrValEl = document.getElementById('igr-val'); if (igrValEl) igrValEl.textContent = (estimatorState.igr || 4.0).toFixed(1) + '%'; // ensure effective cap shown on initial load const t0 = estimatorState.avgTaxRate / 100; const e0 = Math.max(0.5, estimatorState.capRate * (1 - t0 * 0.25)); const e0El = document.getElementById('effective-cap'); if (e0El) e0El.textContent = 'eff ' + e0.toFixed(1) + '%'; loadUserName(); // load personalized name // Sovereign OS Member / unlocked state (visible across tools) try { if (localStorage.getItem('sw_pro_unlocked') === 'true') { const badge = document.getElementById('member-badge'); if (badge) badge.classList.remove('hidden'); // subtle upgrade to offer header text if present const offerH = document.querySelector('#offer h3'); if (offerH && !offerH.textContent.includes('Founding')) offerH.textContent = 'You are a Founding Member — complete the Sovereign OS'; } } catch(e){} // Property Pro deals integration (Phase 3 cross-suite) — now with DC-1 active magic panel try { const rawDeals = localStorage.getItem('sw_property_deals'); if (rawDeals) { const deals = JSON.parse(rawDeals); if (deals && deals.length) { // legacy small note (kept for resources area) const note = document.getElementById('pp-deals-note'); const sum = document.getElementById('pp-deals-summary'); if (note) note.classList.remove('hidden'); if (sum) { const totalImpact = deals.reduce((a, d) => a + (d.freedomImpact || 0), 0); sum.textContent = `${deals.length} deal(s) saved • ~R${Math.round(totalImpact/1000000)}M+ combined freedom capital impact modeled. `; } // NEW prominent actionable panel (higher in UI) if (typeof renderPortfolioPanel === 'function') { renderPortfolioPanel(deals); } // Auto-restore boost if user previously applied and flag is set (persistent "my plan uses my real yields") try { if (localStorage.getItem('sw_deals_boost_active') === 'true' && typeof applyDealsBoost === 'function' && !window.dealsBoostActive) { // Set flags from deals without full re-apply side effects, then let update run let weightedSum = 0, totalWeight = 0; deals.forEach(d => { const eff = (d.effCap || 7) / 100; const w = (d.price || 1000000); weightedSum += eff * w; totalWeight += w; }); const avg = totalWeight > 0 ? (weightedSum / totalWeight) : 0.078; window.portfolioEffCap = Math.max(0.5, avg); window.dealsBoostActive = true; // Re-render will pick up active state setTimeout(() => { if (typeof renderPortfolioPanel === 'function') renderPortfolioPanel(deals); updateEstimator(); }, 50); } } catch(e){} } } } catch(e){} // DC-1: Initialize deals boost state (from previous apply or fresh) try { if (!window.dealsBoostActive) window.dealsBoostActive = false; if (!window.portfolioEffCap) window.portfolioEffCap = null; } catch(e){} updateEstimator(); // NEW product magic init try { const stored = localStorage.getItem('sw_savedScenarios'); if (stored) savedScenarios = JSON.parse(stored) || []; } catch(e) { savedScenarios = []; } applyUrlState(); // Force one more pass so score + insights render even on first static HTML values setTimeout(() => { updateFreedomScore(); generateLiveInsights(); }, 120); }, 60); } /* ==================== DC-1: PROPERTY PORTFOLIO ACTIVE MAGIC (from Property Pro) ==================== */ // These functions turn passive "deals detected" into a transformative live "apply my real yields" experience. // When applied, the core capEff in updateEstimator uses the portfolio's real net yield, instantly improving // capital required, FFGR, years, funding %, Freedom Score, and insights — proving the method with the user's own numbers. window.dealsBoostActive = false; window.portfolioEffCap = null; window.baseSnapshotBeforeBoost = null; // for showing deltas function renderPortfolioPanel(deals) { if (!deals || !deals.length) return; const panel = document.getElementById('property-portfolio-panel'); if (!panel) return; panel.classList.remove('hidden'); panel.style.display = 'block'; // Summary const totalImpact = deals.reduce((a, d) => a + (d.freedomImpact || 0), 0); const avgEff = deals.reduce((a, d) => a + (d.effCap || 7), 0) / deals.length; const sumEl = document.getElementById('pp-portfolio-summary'); if (sumEl) sumEl.innerHTML = `${deals.length} deal(s) • Avg real net yield ${avgEff.toFixed(1)}% • ~R${Math.round(totalImpact/1000000)}M freedom capital impact`; // List of deals (compact) const listEl = document.getElementById('pp-deals-list'); if (listEl) { listEl.innerHTML = deals.slice(0, 3).map(d => { const eff = (d.effCap || 7).toFixed(1); const impM = Math.round((d.freedomImpact || 0)/1000000); return `
${eff}% net • R${Math.round((d.price||0)/1000000)}M deal
~R${impM}M impact
`; }).join(''); if (deals.length > 3) { listEl.innerHTML += `
+ ${deals.length-3} more deal(s) in Property Pro
`; } } // Status area — now with explicit deltas when active (refinement for clarity) const status = document.getElementById('pp-boost-status'); if (status) { if (window.dealsBoostActive && window.portfolioEffCap && window.boostDeltas) { const d = window.boostDeltas; status.innerHTML = `✓ Active — using your real portfolio yield: ${d.boostedCe.toFixed(1)}% (vs your current ${d.baseCe.toFixed(1)}%). This further reduces capital required by an additional R${d.additionalReduction.toLocaleString()}. All key numbers (capital target, FFGR, score) update live.`; status.style.color = '#4a9b94'; } else { status.innerHTML = `Your modeled deals at real net yields are ready. Click Apply These Real Yields to see exactly how they improve your full freedom plan (capital, FFGR, Freedom Score).`; status.style.color = ''; } } } function applyDealsBoost() { try { const raw = localStorage.getItem('sw_property_deals'); if (!raw) { const st = document.getElementById('pp-boost-status'); if (st) { st.textContent = 'No deals found. Open Property Pro, model a deal, and Save it first.'; st.style.color = '#f59e0b'; setTimeout(() => { if (st) st.style.color = ''; }, 2200); } return; } const deals = JSON.parse(raw); if (!deals.length) return; // Compute *weighted* portfolio avg eff cap (real net yield). Weight by deal purchase price so larger positions influence the portfolio yield more (more accurate representation of the user's actual property book). let weightedSum = 0, totalWeight = 0; deals.forEach(d => { const eff = (d.effCap || 7) / 100; const w = (d.price || 1000000); // weight by size; fallback reasonable weightedSum += eff * w; totalWeight += w; }); const avg = totalWeight > 0 ? (weightedSum / totalWeight) : 0.078; // Capture base for explicit deltas (current slider assumptions vs portfolio) const baseT = estimatorState.avgTaxRate / 100; const baseCe = Math.max(0.5, estimatorState.capRate * (1 - baseT * 0.25)); const baseCapReq = (estimatorState.monthlyIncome * 12) / (baseCe / 100); const boostedCapReq = (estimatorState.monthlyIncome * 12) / (avg / 100); const additionalReduction = Math.max(0, Math.round(baseCapReq - boostedCapReq)); window.baseSnapshotBeforeBoost = { capEff: baseCe, capReq: baseCapReq }; window.portfolioEffCap = Math.max(0.5, avg); window.dealsBoostActive = true; window.boostDeltas = { additionalReduction, baseCe: baseCe*100, boostedCe: avg*100 }; // Persist choice so it survives reload (delightful UX — user applies once) try { localStorage.setItem('sw_deals_boost_active', 'true'); } catch(e){} // Re-render panel status const panel = document.getElementById('property-portfolio-panel'); if (panel) panel.classList.remove('hidden'); // Force full re-calc + UI (this will pick up the override in capEff and refresh score/insights/years/etc.) updateEstimator(); // Also refresh score + insights explicitly for the "wow" setTimeout(() => { if (typeof updateFreedomScore === 'function') updateFreedomScore(); if (typeof generateLiveInsights === 'function') generateLiveInsights(); }, 30); // Update panel list/status immediately renderPortfolioPanel(deals); // Gentle scroll to the wealth path numbers so user sees the change const wealthCard = document.getElementById('wealth-cap-req'); if (wealthCard) wealthCard.scrollIntoView({ behavior: 'smooth', block: 'center' }); // Flash the eff cap to celebrate const effEl = document.getElementById('effective-cap'); if (effEl) { const orig = effEl.style.boxShadow; effEl.style.boxShadow = '0 0 0 3px rgba(201,162,39,0.35)'; setTimeout(() => { effEl.style.boxShadow = orig || ''; }, 650); } } catch(e) { console.warn('applyDealsBoost error', e); const st = document.getElementById('pp-boost-status'); if (st) { st.textContent = 'Could not apply deals. Make sure you have saved at least one deal in Property Pro.'; st.style.color = '#f59e0b'; setTimeout(() => { if (st) st.style.color = ''; }, 2200); } } } function resetDealsBoost() { window.dealsBoostActive = false; window.portfolioEffCap = null; window.baseSnapshotBeforeBoost = null; window.boostDeltas = null; try { localStorage.removeItem('sw_deals_boost_active'); } catch(e){} // Re-render panel to clear active state try { const raw = localStorage.getItem('sw_property_deals'); if (raw) { const deals = JSON.parse(raw); if (deals && deals.length) renderPortfolioPanel(deals); } } catch(e){} // Full refresh with base assumptions updateEstimator(); setTimeout(() => { if (typeof updateFreedomScore === 'function') updateFreedomScore(); if (typeof generateLiveInsights === 'function') generateLiveInsights(); }, 20); } /* ==================== MODAL (kept from previous high-quality version) ==================== */ let plannerState = { step: 1, vision: { description: '', locations: '', travelBudget: '', priorities: [] }, numbers: { assets: 9250000, spend: 1140000, contrib: 630000, targetYear: 2034 }, scenarios: { bear: true, blackSwan: true, longevity: false }, // Soul-Infused Edition v1.1 fields (Supersonic Discovery + Rituals + Ownership Sanctuary) soul: { visionAnswers: '', // responses to the 3 Supersonic Discovery Questions + ritual writing igrReflection: '', // IGR > FFGR mirror + Rainmakers Canvas notes pressureTeachings: '', // what the golden light pressures are teaching (Step 3) sanctuary5yr: '', // 5-year Ownership Sanctuary description (feel, IGR, animals/Luna, joy) sanctuary10yr: '', // 10-year ripple (who else is on their balcony) firstBrick7: '' // the smallest aligned 7-day action } }; function updateModalStepIndicators() { document.querySelectorAll('.modal-step').forEach(el => { const s = parseInt(el.dataset.step); if (s === plannerState.step) { el.classList.add('text-[#c9a227]', 'font-semibold'); el.classList.remove('text-navy/45'); } else { el.classList.remove('text-[#c9a227]', 'font-semibold'); el.classList.add('text-navy/45'); } }); const back = document.getElementById('modal-back'); const cont = document.getElementById('modal-continue'); const fin = document.getElementById('modal-finish'); back.classList.toggle('hidden', plannerState.step === 1); if (plannerState.step === 4) { cont.classList.add('hidden'); fin.classList.remove('hidden'); } else { cont.classList.remove('hidden'); fin.classList.add('hidden'); } } function renderPlannerStep(step) { const body = document.getElementById('modal-body'); body.innerHTML = ''; const s = plannerState.soul || {}; if (step === 1) { body.innerHTML = `
STEP 01 OF 04 — VISION
The Sovereignty Ritual • Miami Balcony at Sunrise

Welcome to the Balcony

There is a particular kind of light that only exists at sunrise on the Miami balcony. The sky is painted in soft gold and rose. Luna is already in her chair, eyes half-closed, breathing slow and steady. The little stray cat is closer today — not on the chair yet, but no longer watching from the very edge.

This is the space where we do our deepest work. The Wealth Freedom Planner is not a worksheet. It is a sacred conversation between you and your future Ownership Sanctuary. Every step is designed to feel like sitting beside me at sunrise — warm, honest, and quietly powerful.
The Ritual
Close your eyes for a moment. Picture the balcony at sunrise. Feel the warm air on your skin. Hear the gentle rhythm of the waves.

Now imagine your Ownership Sanctuary five years from now. Not as a house, but as a feeling. What does it smell like? What does it sound like? Who is with you?

Write it down. Not in bullet points, but in the language of the heart. This is not a goal. This is a memory from the future.
Supersonic Discovery Questions
What would it feel like if your wealth moved with the same quiet certainty as the tide?
If your Ownership Sanctuary could speak through golden light, what would it ask you to release or protect today?
What decision have you been postponing that your future self is already grateful you finally made?
When you are ready, speak these words out loud:
“I am no longer watching from the edge. I am choosing to belong.”
${['Family education fund', 'Climate & conservation', 'Founder education', 'Medical research', 'Civic reform'].map(tag => { const active = (plannerState.vision.priorities || []).includes(tag); return `
${tag}
`; }).join('')}
`; } else if (step === 2) { body.innerHTML = `
STEP 02 OF 04 — NUMBERS
The Living Formula • IGR > FFGR • Rainmakers Canvas

The Living Formula

Dr. Hannes Dreyer taught us that wealth is not a number — it is a decision made visible through consistent action. In this step we look at your numbers, but we do it with warmth and honesty, from the balcony.

IGR > FFGR Check
Write down your current monthly income-generating rate (everything that brings value toward you) and your forced financial growth rate (everything that pulls value away).

Then ask yourself:
“Is my system currently compounding in my favor, or am I still feeding the old story?”

This is not a judgment. It is a mirror.
Supersonic Discovery Questions
What would it look like if your income-generating rate consistently outpaced your forced financial growth rate?
Where in your life is the stray cat of your potential finally ready to jump onto the chair?
Which of your current expenses quietly erodes your IGR?
Rainmakers Canvas Reflection
Market
Where is real demand already moving?
PMVL
How can I increase my value in that market in the next 90 days?
Value Add
What can I deliver that creates disproportionate results?
Your current financial reality (the mirror, held with care)
Current investable net worth
Current annual household spend
Write your answers in the language of the balcony — not corporate, but true. The chair is warm.
`; } else if (step === 3) { body.innerHTML = `
STEP 03 OF 04 — STRESS-TEST
The Golden Light Practice

Pressure is not the enemy

It is the golden light that reveals what is ready to be strengthened. Close your eyes and imagine a soft golden light surrounding your entire financial world.

Pressure is not the enemy. It is the golden light that reveals what is ready to be strengthened.

Close your eyes and imagine a soft golden light surrounding your entire financial world.

Now picture the three biggest pressures you are currently carrying.
For each one, ask:
“What is this pressure trying to teach me about the next version of my Ownership Sanctuary?”

Write the answers. Then speak this aloud:
“I do not run from pressure. I let it refine me.”
This is not toxic positivity. This is the quiet strength of someone who has already decided they belong.
Supersonic Discovery Question
What would it feel like to meet pressure with golden light instead of fear?
Pressure-test your plan (meet each with golden light)
Conservative Markets
4.1% avg return + inflation spike
Black Swan Event
−37% crash in year 3 + slow recovery
Longevity + Healthcare
Live to 98 + elevated medical costs
PRELIMINARY RESILIENCE SCORE (golden light already at work)
87/100
The light reveals. You choose what to strengthen.
`; } else if (step === 4) { const recs = generateRoadmapRecommendations(); body.innerHTML = `
STEP 04 OF 04 — ROADMAP
The 5–10 Year Sanctuary Path

This is where your vision becomes a living map

If your Ownership Sanctuary could speak through golden light, what would it ask you to build first?
5-Year Horizon
Write three sentences describing what your life feels like five years from now. Include:
• Your monthly IGR
• The animals (or people) sharing the Sanctuary with you
• The quiet joy you feel when you wake up.
10-Year Horizon — The Ripple
Now stretch further. What does the ripple look like? Who is sitting on their own balcony because of the decision you made today?
The First Brick (next 7 days)
What is the smallest, most aligned action you can take in the next 7 days that moves you toward this future? Write it down. Speak it out loud. Then take it.
Luna is still in her chair. The stray cat is now sitting on the armrest — not curled up yet, but present. You have done sacred work today. The Ownership Sanctuary is already forming in the invisible.

Every Supersonic Discovery Question you answered, every system you designed, every quiet decision you made — these are the first bricks.
Your preliminary sanctuary-aligned roadmap (the system already moving with you)
${recs.map(r => `
${r.period}
${r.title}
${r.detail}
`).join('')}
You are no longer watching from the edge. You are choosing to belong. The chair is warm. The system is alive. I’m right here with you.
`; } updateModalStepIndicators(); // Wire soul textareas to plannerState.soul after render (so typing is captured on next/continue) setTimeout(() => { const q1 = document.getElementById('soul-vision-q1'); const q2 = document.getElementById('soul-vision-q2'); const q3 = document.getElementById('soul-vision-q3'); const igrR = document.getElementById('soul-igr-r1') || document.getElementById('soul-igr-r2') || document.getElementById('soul-igr-r3'); const press = document.getElementById('soul-pressure-q'); const yr5 = document.getElementById('soul-5yr'); const yr10 = document.getElementById('soul-10yr'); const brick = document.getElementById('soul-firstbrick'); if (q1) q1.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.visionAnswers = (q1.value || '') + ' ' + (q2 ? q2.value : '') + ' ' + (q3 ? q3.value : ''); }; if (q2) q2.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.visionAnswers = (q1 ? q1.value : '') + ' ' + (q2.value || '') + ' ' + (q3 ? q3.value : ''); }; if (q3) q3.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.visionAnswers = (q1 ? q1.value : '') + ' ' + (q2 ? q2.value : '') + ' ' + (q3.value || ''); }; if (document.getElementById('soul-igr-r1')) { ['soul-igr-r1','soul-igr-r2','soul-igr-r3'].forEach(id => { const el = document.getElementById(id); if (el) el.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.igrReflection = (document.getElementById('soul-igr-r1')?.value || '') + ' | ' + (document.getElementById('soul-igr-r2')?.value || '') + ' | ' + (document.getElementById('soul-igr-r3')?.value || ''); }; }); } if (press) press.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.pressureTeachings = press.value; }; if (yr5) yr5.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.sanctuary5yr = yr5.value; }; if (yr10) yr10.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.sanctuary10yr = yr10.value; }; if (brick) brick.oninput = () => { plannerState.soul = plannerState.soul || {}; plannerState.soul.firstBrick7 = brick.value; }; }, 30); } function togglePriority(tag, el) { if (!plannerState.vision.priorities) plannerState.vision.priorities = []; const idx = plannerState.vision.priorities.indexOf(tag); if (idx > -1) { plannerState.vision.priorities.splice(idx, 1); el.classList.remove('bg-[#c9a22720]', 'text-[#c9a227]', 'border-[#c9a22740]'); el.classList.add('border-navy/12'); } else { plannerState.vision.priorities.push(tag); el.classList.add('bg-[#c9a22720]', 'text-[#c9a227]', 'border-[#c9a22740]'); el.classList.remove('border-navy/12'); } } function syncModalNumbers() { const assets = parseInt(document.getElementById('modal-assets')?.value.replace(/,/g, '')) || 2650000; const spend = parseInt(document.getElementById('modal-spend')?.value.replace(/,/g, '')) || 285000; const contrib = parseInt(document.getElementById('modal-contrib')?.value.replace(/,/g, '')) || 165000; const year = parseInt(document.getElementById('modal-year')?.value) || 2034; plannerState.numbers = { assets, spend, contrib, targetYear: year }; } function toggleScenario(key, el) { plannerState.scenarios[key] = !plannerState.scenarios[key]; renderPlannerStep(3); } function generateRoadmapRecommendations() { const { spend, assets, contrib, targetYear } = plannerState.numbers; const recs = []; recs.push({ period: '2025–2026', title: 'Capital Architecture', detail: 'Rebalance 15–22% toward private credit and real assets. Establish or expand donor-advised fund.' }); recs.push({ period: '2027–2028', title: 'Income Diversification', detail: 'Develop or acquire secondary cash-flowing assets targeting R 1.4–1.9M net annual income.' }); recs.push({ period: '2029–2031', title: 'Lifestyle Calibration', detail: 'Validate freedom rhythm with extended time blocks. Finalize estate and family governance.' }); recs.push({ period: '2032–' + targetYear, title: 'Full Activation', detail: 'Execute final wealth transfer strategy and begin primary freedom lifestyle rhythm.' }); return recs; } function nextPlannerStep() { if (plannerState.step === 1) { plannerState.vision.description = document.getElementById('vision-desc')?.value || ''; plannerState.vision.locations = document.getElementById('vision-locations')?.value || ''; plannerState.vision.travelBudget = document.getElementById('vision-travel')?.value || ''; // Capture soul vision answers const v1 = document.getElementById('soul-vision-q1')?.value || ''; const v2 = document.getElementById('soul-vision-q2')?.value || ''; const v3 = document.getElementById('soul-vision-q3')?.value || ''; plannerState.soul = plannerState.soul || {}; plannerState.soul.visionAnswers = [v1, v2, v3].filter(Boolean).join(' • '); } if (plannerState.step === 2) { syncModalNumbers(); // Capture IGR/Rainmakers reflections const r1 = document.getElementById('soul-igr-r1')?.value || ''; const r2 = document.getElementById('soul-igr-r2')?.value || ''; const r3 = document.getElementById('soul-igr-r3')?.value || ''; plannerState.soul = plannerState.soul || {}; plannerState.soul.igrReflection = [r1, r2, r3].filter(Boolean).join(' • '); } if (plannerState.step === 3) { const p = document.getElementById('soul-pressure-q')?.value || ''; plannerState.soul = plannerState.soul || {}; plannerState.soul.pressureTeachings = p; } if (plannerState.step === 4) { const y5 = document.getElementById('soul-5yr')?.value || ''; const y10 = document.getElementById('soul-10yr')?.value || ''; const fb = document.getElementById('soul-firstbrick')?.value || ''; plannerState.soul = plannerState.soul || {}; plannerState.soul.sanctuary5yr = y5; plannerState.soul.sanctuary10yr = y10; plannerState.soul.firstBrick7 = fb; } if (plannerState.step < 4) { plannerState.step++; renderPlannerStep(plannerState.step); } } function prevPlannerStep() { if (plannerState.step > 1) { plannerState.step--; renderPlannerStep(plannerState.step); } } function goToPlannerStep(step) { plannerState.step = step; renderPlannerStep(step); } function generateBlueprint() { const body = document.getElementById('modal-body'); const { assets, spend, targetYear } = plannerState.numbers; const targetCapital = Math.round(spend / 0.033); const soul = plannerState.soul || {}; body.innerHTML = `

Your Ownership Sanctuary Blueprint is ready.

The light on the balcony has already begun its work.

Freedom Capital Target
${formatR(targetCapital)}
Target Year
${targetYear}
Resilience (Golden Light)
87/100
First Brick (7 days)
${soul.firstBrick7 || 'The one small step you named on the balcony.'}
${soul.visionAnswers ? `
FROM THE BALCONY — YOUR VISION
${soul.visionAnswers}
` : ''} ${soul.igrReflection ? `
IGR > FFGR + RAINMAKERS
${soul.igrReflection}
` : ''} ${soul.pressureTeachings ? `
WHAT THE GOLDEN LIGHT TAUGHT YOU
${soul.pressureTeachings}
` : ''} ${soul.sanctuary5yr ? `
5-YEAR SANCTUARY
${soul.sanctuary5yr}
` : ''} ${soul.sanctuary10yr ? `
10-YEAR RIPPLE
${soul.sanctuary10yr}
` : ''}
Luna is still in her chair. The stray cat is now sitting on the armrest — not curled up yet, but present.

You have done sacred work today. The Ownership Sanctuary is already forming in the invisible.
Every Supersonic Discovery Question you answered, every system you designed, every quiet decision you made — these are the first bricks.

You are no longer watching from the edge. You are choosing to belong.

The chair is warm. The system is alive. I’m right here with you.
— Quirky Quinn, Miami Balcony at Sunrise

*This planner is designed to be returned to again and again. It is not a one-time exercise. It is a living conversation with your future self.*
Continue in Quantum Realization • Supersonic Wealth Suite • Sovereign Dashboard + Agent Treasury. Return to the balcony anytime.
THE THREE FLAGSHIPS
Turn the OS into lived golden flow: Supersonic Sales Alchemist • NexGent on Solana/USDC • Hermes Control Room (voice cloning)
Enter the Flagships in the Sanctuary Hub
`; document.getElementById('modal-continue').classList.add('hidden'); document.getElementById('modal-finish').classList.add('hidden'); document.getElementById('modal-back').classList.add('hidden'); } function downloadBlueprint() { const { assets, spend, targetYear } = plannerState.numbers; const targetCapital = Math.round(spend / 0.033); const soul = plannerState.soul || {}; const userName = (typeof getUserDisplayName === 'function') ? getUserDisplayName() : 'Wealth Creator'; const date = new Date().toLocaleDateString(); const soulSection = ` ${soul.visionAnswers ? `
From the Balcony — Your Vision
${soul.visionAnswers}
` : ''} ${soul.igrReflection ? `
IGR > FFGR + Rainmakers Canvas
${soul.igrReflection}
` : ''} ${soul.pressureTeachings ? `
What the Golden Light Taught You
${soul.pressureTeachings}
` : ''} ${soul.sanctuary5yr ? `
5-Year Ownership Sanctuary
${soul.sanctuary5yr}
` : ''} ${soul.sanctuary10yr ? `
10-Year Ripple
${soul.sanctuary10yr}
` : ''} ${soul.firstBrick7 ? `
The First Brick (7 Days)
${soul.firstBrick7}
` : ''} `; const html = ` ${userName}'s Ownership Sanctuary Blueprint — ${date}
SUPERSONIC WEALTH • SOUL-INFUSED EDITION v1.1

${userName}'s Ownership Sanctuary Blueprint

Generated ${date} • Miami Balcony at Sunrise • Quirky Quinn & Luna

Freedom Capital Target
${formatR ? formatR(targetCapital) : 'R ' + targetCapital.toLocaleString()}
Target Year: ${targetYear} • Resilience (Golden Light): 87/100
${soulSection ? `
The Balcony Work — Your Living Answers
${soulSection}
` : ''}
Luna is still in her chair. The stray cat is now sitting on the armrest — not curled up yet, but present.
You have done sacred work today. The Ownership Sanctuary is already forming in the invisible.
Every Supersonic Discovery Question you answered, every system you designed, every quiet decision you made — these are the first bricks.
You are no longer watching from the edge. You are choosing to belong.
The chair is warm. The system is alive. I’m right here with you.
— Quirky Quinn
This is a living document. Return to the balcony often. Continue in Quantum Realization, the Supersonic Wealth Suite, and your Sovereign Dashboard + Agent Treasury. Your data stays private. The light keeps rippling.
`; const blob = new Blob([html], { type: 'text/html' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = `Ownership_Sanctuary_Blueprint_${targetYear}.html`; document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url); } function openFullPlannerModal() { const modal = document.getElementById('planner-modal'); modal.classList.remove('hidden'); modal.classList.add('flex'); document.body.style.overflow = 'hidden'; // Pull latest from estimator if present (graceful fallback for new two-path estimator) const incomeEl = document.getElementById('monthly-income'); const surplusEl = document.getElementById('monthly-surplus'); if (incomeEl) plannerState.numbers.spend = Math.round(parseInt(incomeEl.value) * 12) || 1140000; if (surplusEl) plannerState.numbers.contrib = parseInt(surplusEl.value) * 12 || 780000; // assets optional legacy; keep previous default if no old field const assetsEl = document.getElementById('assets'); if (assetsEl) plannerState.numbers.assets = parseInt(assetsEl.value) || plannerState.numbers.assets || 9250000; plannerState.step = 1; renderPlannerStep(1); } function closeFullPlannerModal() { const modal = document.getElementById('planner-modal'); modal.classList.remove('flex'); modal.classList.add('hidden'); document.body.style.overflow = ''; } function openStrategistModal() { const m = document.getElementById('strategist-modal'); m.classList.remove('hidden'); m.classList.add('flex'); document.getElementById('strategist-form').classList.remove('hidden'); document.getElementById('strategist-success').classList.add('hidden'); } function closeStrategistModal() { const m = document.getElementById('strategist-modal'); m.classList.remove('flex'); m.classList.add('hidden'); } function submitStrategistRequest() { document.getElementById('strategist-form').classList.add('hidden'); document.getElementById('strategist-success').classList.remove('hidden'); } function initializeAll() { initTailwind(); initMobileMenu(); initEstimator(); // Ensure score + insights are populated even on first paint setTimeout(() => { if (typeof updateFreedomScore === 'function') updateFreedomScore(); if (typeof generateLiveInsights === 'function') generateLiveInsights(); }, 180); document.addEventListener('keydown', (e) => { if (e.key === 'Escape') { const planner = document.getElementById('planner-modal'); const strat = document.getElementById('strategist-modal'); if (!planner.classList.contains('hidden')) closeFullPlannerModal(); else if (!strat.classList.contains('hidden')) closeStrategistModal(); } }); console.log('%c[Supersonic Wealth] High-accuracy Wealth Freedom Planner initialized.', 'color:#64748b'); } window.addEventListener('DOMContentLoaded', initializeAll);