The Standard
Everything below is live. Change any yellow input anywhere in this app and every number recalculates instantly.
Personal Standard / Month
$60,000
$20K lifestyle + $40K investing, non-negotiable
Retirement Target
$30,000
After-tax passive monthly income
Nest Egg Required
$9.0M – $11.0M
4% rule, grossed up for LTCG tax
Deadline
Age 50
Optionality at 50 · full ride at 60 · Nov 11 birthday, 12-year runway
The 7 Cash Rules — In Order
1
Tax account is untouchable. ~33% of net profit moves there the day money lands.
2
Business reserve fills first: 6 months of expenses.
3
Personal reserve fills second: 12 months of lifestyle.
4
During the build: first $30K to reserve, then 50/50 reserve ↔ investing.
5
After reserves: 70% distributed / 30% retained in the business.
6
Retained 30% splits between growth reinvestment and the war chest.
7
Lifestyle stays at $20K. Surplus feeds the machine, not the ego.
The 3.3x Rule — Why the Send Is the First Deposit
$3.30
A dollar invested in month 1 by month 144
$1.81
Same dollar invested in month 72
$1.00
Same dollar invested in month 144
Every month of delay costs roughly $100,000 at the finish line. The earliest dollars are the most valuable dollars in the entire plan — they're the ones you can never buy back.
Offer structure: $12,500/mo · annual agreements · billed quarterly ($37,500) · pay 12 get 15 for PIF · 10% rev share as gravy, never the floor.
Monthly P&L — Three Phases
Edit the yellow inputs. Phase 3 shows the chunked model: DFY + cross-sells + DWY tier + agency licensing.
| Line Item | Phase 1 · Standard | Phase 2 · Acceleration | Phase 3 · Chunked |
|---|---|---|---|
| DFY clients | |||
| DFY price / month | |||
| DFY revenue | |||
| Cross-sell ARPU lift (voice AI, DB reactivation) | |||
| DWY tier clients × price | × | ||
| DWY revenue | |||
| Licensing partners × price | × | ||
| Licensing revenue | |||
| TOTAL REVENUE | |||
| Software stack | |||
| Contractors / specialists | |||
| Delivery coordinator / team | |||
| Closers (~10% of collected) | |||
| Own marketing | |||
| CPA / legal / compliance | |||
| Misc + contingency | |||
| TOTAL EXPENSES | |||
| NET OPERATING PROFIT | |||
| Net margin |
Tax & Pay Flow — S-Corp Structure
Pulls net profit from the P&L tab. Edit rates in yellow. The MET/BELOW check compares your personal cash against the $60K standard.
| Line Item | Phase 1 | Phase 2 | Phase 3 |
|---|---|---|---|
| Net operating profit (from P&L) | |||
| Effective tax rate (levers stacked) | |||
| Tax set-aside (UNTOUCHABLE) | |||
| After-tax operating profit | |||
| Salary to you (through payroll) | |||
| Payroll taxes on salary (15.3%) | |||
| Total cost of salary | |||
| Distribution base (after tax + salary cost) | |||
| Distributed to you (70% once reserves full) | |||
| Retained in business (30%: reinvest + war chest) | |||
| YOUR PERSONAL CASH (after-tax salary + distribution) | |||
| Check vs $60K standard |
The Levers (worth ~$25K–$35K/mo at scale)
1. S-corp split — distributions avoid the 15.3% SE tax (~$200K/yr at scale). 2. QBI — 20% deduction on pass-through income. 3. Solo 401(k) — ~$70K/yr pre-tax shelter. 4. Augusta rule — 14 tax-free rental days to the business. 5. Vehicle leasing agreement — multiplies the vehicle deduction. 6. STR loophole — depreciation offsets active income, year 2–3 move. One CPA appointment blesses the whole stack.
Reserve Tracker
Log actual deposits in the yellow cells. The rule: first $30K to reserve, then 50/50 reserve ↔ investing until full, then 100% investing.
Business Reserve Target
6 months of Phase 1 expenses, pulled live from the P&L
Personal Reserve Target
12 months × lifestyle input below
Combined Target
First savings goal of the machine
Inputs
| Month | Business deposit | Personal deposit | Running total | Remaining |
|---|
Investment Engine — 144 Months
Age 38 → 50. Contributions pre-loaded with the ramp: $5K × 6 months → $10K × 6 → $20K × 12 → $40K × 120. Edit any month. The chart updates live.
Balance at Month 144
The finish line
Total Contributed
Out of your own pocket
Growth Multiple
What compounding added
Gap to $11M
Closed by: earlier $40K, the business exit lump, or riding to 60
Assumptions
| Month # | Date | Contribution (EDIT) | Balance |
|---|
Retirement Scenarios
Stop at 50 vs ride to 60. Uses the return and contribution from the Investment Engine tab.
Scenario A — Contribute to 50, then ride to 60
| Nest egg at 50 | |
| Nest egg at 60 (rides 10 more years, no contributions) | |
| Monthly withdrawal at 60 (gross, 4%) | |
| Monthly withdrawal at 60 (after ~20% LTCG) |
Scenario B — Keep contributing all the way to 60
| Nest egg at 60 (264 months) | |
| Monthly withdrawal at 60 (gross, 4%) | |
| Monthly withdrawal at 60 (after ~20% LTCG) |
Scenario C — The Phased Ramp (your actual plan)
| Nest egg at 50 with the ramp from the Investment Engine | |
| Gap to the $11M target |
Close the gap three ways: hit $40K/mo sooner than month 25, add the business exit lump (a $3M exit at year 8 compounds to ~$4.5M by year 12), or let it ride to 60. The plan doesn't need all three — any one of them closes it.
Car Decision — The Deduction Math
Edit the inputs. GVWR means gross vehicle weight rating — the max loaded weight on the door sticker, not what the car weighs. Check the sticker, not the model name.
Inputs
Option 1 — Under 6,000 lbs (e.g., $20K used BMW/Audi)
| Year 1 MACRS depreciation (~20% of cost) | |
| Year 1 deduction at business-use % | |
| Operating costs at business-use % (yr est.) | |
| Total year-1 deduction | |
| Tax saved | |
| Effective after-tax cost, year 1 |
Option 2 — Over 6,000 lbs (2018 Tahoe/Suburban/Expedition/Sequoia/Armada)
| Section 179 SUV cap (6,000–14,000 lbs) | $31,000 |
| Eligible amount (lesser of price or cap) | |
| Year 1 deduction at business-use % | |
| Operating costs at business-use % (yr est.) | |
| Total year-1 deduction | |
| Tax saved | |
| Effective after-tax cost |
How to Buy — Three Paths
1
Business pays cash (simplest). Business account buys it, title in the business name, full deduction, no lender. Requires the cash — and the reserve rules come first.
2
Business finances it. Loan in the business name; you deduct depreciation + the interest portion (not the payments). A young S-corp will almost certainly need your personal guarantee — normal, doesn't change the deduction, but you're personally on the hook if the business defaults. If financing falls through, personal credit + lease-back is plan C: legal but a round trip.
3
Buy personally, lease to the corp. You pay tax on the money first, then lease it to the business at fair market rate. The business deducts payments; you report lease income. Cleaner at your stage: Path 1 or 2.
Key facts: The Q5 does NOT qualify (~4,900 lbs GVWR). The Q7/SQ8 run ~6,300–6,800 lbs. Used vehicles qualify fine. Requirements: >50% business use in year one, mileage log from day one, and the car appearing in your content and client meetings is what makes the percentage defensible. One CPA appointment blesses the whole structure before the first payment moves.