Comprehensive plans · Layer 3 (composes 6 super systems)

Life math (Layer 3)

The end-to-end. We run every super calc that's relevant to your profile, score each by leverage and dollar impact, and surface the 5 actions that move your life math the most. No tabs. One dashboard.

Result

4 actions identified across 3 life domains. Total leverage: $233,466 lifetime.

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Top action: Don't stretch on housing — PITI exceeds 28% line by $362/mo

1
Tax position
Total estimated tax burden $22,371 (23.5% effective). Quarterly: $5,593.
Federal + SE tax burden
2
Wealth trajectory
On track — projected $1,888,883 at 65, $263,883 above need.
Projection vs need at retirement
3
Housing affordability
Stretch — PITI $2,929 exceeds responsible budget by $362.
PITI vs DTI-based responsible payment
4
Business profit
On track — 22.5% net margin clears your 22% target.
Margin vs target
5
Fitness chain
Target 2,263 kcal / day · 180 g protein · 10 sets/muscle/week.
BMR → TDEE → calorie target → macros
6
Social Security strategy
Best strategy: claim at 62 → $3,730/mo household, $765,793 lifetime PV at your longevity (87).
Best lifetime PV across claim ages
7
1. Don't stretch on housing — PITI exceeds 28% line by $362/mo (Housing)
+$130,482 lifetime
$130,482 of compounded lifestyle drag over 30 yrs
8
2. Confirm SS claim strategy (Retirement)
+$76,579 lifetime
Lifetime PV of best strategy: $765,793 (your longevity assumption)
9
3. Look at S-corp election (Tax)
+$20,135 lifetime
$13,423 of SE tax is past the threshold where reasonable-comp + distributions usually saves $1k+ net of admin overhead
10
4. Bump retirement contribution from 10% → 15% (Tax)
+$6,270 lifetime
Saves ~$1,520/yr in tax + $4,750 growing tax-deferred

Assumptions & notes

Life math runs 6 super calcs against your profile, scores actions by dollar impact, and surfaces the top 5.
Re-run quarterly. Major life changes (marriage, kids, job change, home purchase) recompute the priority queue.
This is the only Layer 3 super-super-super on the platform — composes 6 super calcs (which themselves compose ~30 primitives).

Chain payload (for the 3D constellation)

{
  "slug": "life-math",
  "depth": 3,
  "primitives": [],
  "composes": [
    "freelancer-tax-master",
    "wealth-trajectory",
    "home-affordability-master",
    "contractor-profit-engine",
    "complete-fitness-plan",
    "social-security-claim-optimizer"
  ],
  "chain": [
    {
      "key": "tax_summary",
      "label": "Tax position",
      "numeric": 22370.534525
    },
    {
      "key": "wealth_summary",
      "label": "Wealth trajectory",
      "numeric": 1888883.0554559086
    },
    {
      "key": "housing_summary",
      "label": "Housing affordability",
      "numeric": 2929.117862130809
    },
    {
      "key": "contractor_summary",
      "label": "Business profit",
      "numeric": 14200
    },
    {
      "key": "fitness_summary",
      "label": "Fitness chain",
      "numeric": 0
    },
    {
      "key": "ss_summary",
      "label": "Social Security strategy",
      "numeric": 765792.8015205924
    },
    {
      "key": "top_action_1",
      "label": "1. Don't stretch on housing — PITI exceeds 28% line by $362/mo (Housing)"
    },
    {
      "key": "top_action_2",
      "label": "2. Confirm SS claim strategy (Retirement)"
    },
    {
      "key": "top_action_3",
      "label": "3. Look at S-corp election (Tax)"
    },
    {
      "key": "top_action_4",
      "label": "4. Bump retirement contribution from 10% → 15% (Tax)"
    }
  ]
}

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