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Your life vision and how you're tracking across each area · updated live
Life Vision
Life Scorecard
Financial
Last synced: 2026-05-17
Total Net Worth
$850,157
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Net Worth Trend monthly · 2023-04 → 2026-07
▸Asset Split vs Target current % derived live from holdings · target per strategy v2.1
Biggest gaps: equity ~53% vs 25% target (overweight — dilute by stop-buying in taxable + trimming US/SPYM), gold ~2% vs 14% and bonds ~5% vs 16% (underweight — closing via the $41K windfall + monthly contributions).
Equity sub-tilt: US vs International target 40% US / 60% Intl
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▸Accounts by Platform balances derived live from holdings
🏠 Buy $1.5M Home primary residence · ~mid-2028 target · strategy v1.1
Down Payment Needed
$400,000
20% down + ~$37K closing + ~$66K reserve
Currently Saved
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Estimated Date Reached
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At $10K/mo to Bucket A
Future Goals planning only · not currently funded
⛰️ Mountain Property (CO/UT/MT)
Target purchase ~2028 · family access by 2030
Hybrid family + Airbnb. Lifelong friend operates STR 100% — Delaney provides capital.
Short-term economic goal: break even on operating cost + debt service. Long-term: family lifestyle asset + appreciation.
Funding rule: after primary home + Bucket A fully funded. Sizing TBD ($800K–$1.5M likely).
Open: operator agreement structure, target market, STR regulation diligence, second-home financing.
🚤 Boat (Austin)
1–2 yr horizon · 2027–2028
Personal recreational boat for Austin / Lake Travis. Classified as consumption, not investment — depreciating asset.
Funding rule: cash flow once Bucket A target hit; never delay primary home for boat. Typical Austin surf/wake boat $80K–$250K; ongoing cost ~10%/yr of value.
🗺️ Capital Roadmap two-layer model · path to the home by mid-2028 · updated 2026-06-08
Layer 1 — Business (pre-tax)
Brand reinvestment · highest ROI
Re-pour ~30% of business resources into the personal brand before distributions — deductible opco spend that compounds into enterprise value & future income. NOT a personal after-tax line (no distribute-then-recontribute = no ~37% tax drag).
Open: 30% of what — revenue, profit, or distribution? Put an ROI scoreboard on the spend.
Layer 2 — Personal (after-tax)
Distributions → home + investments
$10K/mo → Home fund (SGOV …594) · remainder → Investments (…608, v2.1 gap-closing).
Tradeoff: more brand reinvestment = smaller distributions now = less personal savings now, betting on bigger future cash flow. Never zero the diversified bucket — it's the hedge against ~88%-of-income business concentration.
Timeline
Now · Jun 2026
Deploy $41K dry powder → gold (IAU) + short/intermediate TIPS (VTIP/SCHP) · harvest ~$9.7K Coinbase alt losses · park $30K wedding reserve in SGOV · sweep idle checking to T-bills. Home fund $135K (34%).
Jul 2026 – Q1 2027
$10K/mo builds home fund. Investment contributions front-load gold + bonds and reshape IRAs tax-free to close the gold (2%→14%) & bond (5%→16%) gaps. Equity overweight drifts down toward 25% target as it's no longer fed.
~Q1 2027
Gold/bond gaps closed → investment contributions shift to balanced v2.1. Home fund ~$220K (55%).
Mid 2027
Checkpoint. Home fund ~$263K (66%).
Late 2027 · T-12/18mo
If behind pace, tilt more monthly cash to SGOV. Begin cash-vs-mortgage thinking; coordinate distribution smoothing with CPA. Home fund ~$330K (82%).
Mid 2028 🏠
Home fund ~$400K ✓ → purchase. T-90 days: final cash-vs-mortgage call. Smooth DM Holdings distributions across 2026–28 to avoid an AGI spike in the purchase year.
Open items gating the plan: (1) confirm ~$35K/mo distributions are net vs gross of tax — sizes the Layer-2 split; (2) define the brand reinvestment base ("30% of what") + ROI metric; (3) CPA call — pre-tax brand-spend structure + multi-year distribution smoothing.
Financial Todo List
▸Recent Actions (2026)
Health Dashboard
90-day plan · 2026-07-14 → 2026-09-22 · bio age 35.9 → ≤33 target
Health Score
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/ 100
Daily Habits
Click ‹ / › or pick a date to back-fill missed days.
Weekly Habits
Weeks run Monday–Sunday. Check off once you've hit the week's target. Use ‹ / › to back-fill past weeks.
90-Day Action Plan
Current Supplement Stack
| Supplement | Dose / Timing | Purpose |
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Notes & Uploads lab results, appointment notes, attachments
Supplements what I was taking at a point in time
Food what I was eating at a point in time
Lab History
All draws standardized by date across LabCorp / Ways2Well / Superpower (Quest). Colored vs your targets:
optimal ·
in normal range ·
out of range ·
no target set. Latest draw: Jun '26.
All Markers Over Time
PhenoAge — Levine 2018 9-marker biological age
Enter recent lab values in US units. Formula is from Liu et al. 2018 (PMID 29676998). Lower than chronological age = aging slower than peers.
History
Relationships
People I want to stay close with · plans for the rest of the year
People
| Name | Tier | Phone | Last touch | How I can support | Touch base by |
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Default cadence by tier: 1 → 14d, 2 → 30d, 3 → 60d, 4 → 120d. Override per person in the Cadence column. Click Logged today to bump Last touch to today.
Upcoming Plans
Grouped by month. Check the circle to mark done. Past undone items show in red.
Performance
Physical function — cardio, strength, endurance, body composition, recovery & cognition · labs and biological age live in Health
On Target
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Warning
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Below Target
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Untested
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Overdue Retest
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