The app splits along one axis: time.
- Money is the present — what is actually true right now. Net worth, your Spending Plan, the Cash Flow forecast, accounts, holdings (Portfolio). No strategy, no projection; just facts.
- Plan is the future — what a strategy would do. It is state-aware:
- Nothing adopted → Lab: explore and compare all five plans side by side, then drill into one.
- A plan adopted → My Plan: a tracking home — what you're running, what to do this period, how it's going, and the long view.
- Tax is the compliance layer — slip previews, eligible-dividend %, tax-loss harvesting, the year-end pack.
Only one plan runs at a time. Adopting a plan ends any other active plan — the math always describes a single coherent strategy.
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