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Your life vision and how you're tracking across each area · updated live
Life Vision
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Life Scorecard
Financial
Last synced: 2026-05-17
Total Net Worth
$850,157
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Net Worth Trend monthly · 2023-04 → 2026-08 · from 2026-08 net of earmarked liabilities (the tax reserve), so the step down is a change of basis, not a loss
Read what the numbers say · refreshed with each sync
▸Asset Split vs Target current % derived live from holdings · targets restated for the investable base (2026-08-29)
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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 2026-08-28
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 · Aug 2026
Equity trim done (SPYM $146K→$36K, SPMD/XLRE exited, Robinhood closed) but only half finished — equity is 40.1% vs 25% on the investable base. Next: trim ~$102K of equity → real assets $25K + speculative $31K + bonds $9K + cash $36K. The $90.5K SWVXX in …594 is the tax reserve and is not available. Home fund $161.9K (40.5%).
Jul 2026 – Q1 2027
$10K/mo builds home fund. Investment contributions front-load gold + bonds and reshape IRAs tax-free to close the real-asset (10.3%→14%) & bond (14.6%→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 · PhenoAge 29.1 (Δ −1.9 vs chrono 31) → hold/improve
Health Score
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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.
Nervous-System Protocol fatherhood prep · 12 weeks · Sep 1 → Nov 23
Graded exposure for your nervous system: teach it that activation can be present without an emergency response, and loosen the morning-sauna crutch step by step. This is the plan — log your weekly counts under the Todos → Weekly Habits section.
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. Enter chronological age — it's a required term.
Number of record: 29.1 — prefilled from the 2026-06-25 panel with your as-measured values (creatinine 1.45), zero adjustments. Best case: 25.5 — the 2026-07-14 cystatin C (eGFR 96) shows your creatinine is muscle-inflated, not renal; substituting the implied 1.06 gives 25.5. That substitution is ~50% confidence, so 29.1 is the number we use.
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 | Cadence | 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.
Rituals
Trips and traditions that have to happen on a cadence, not when someone remembers. Each slot below is one required occurrence for the year — fill it by scheduling a plan.
Upcoming Plans
Grouped by month. Check the circle to mark done. Past undone items show in red.
Planner
Click any day to add a plan on that date; click a month name in year view to open that month. Dashed chips are ritual slots still open for the year. Same data as Upcoming Plans.
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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