# Strategic Wealth Doctrine v0.5: Integration And Numerical Notes

October 31, 2026

## What This Release Adds

Four routes extend the existing information hub: Implementation Roadmap, Ten-Year Simulation, Progress Tracker, and Validation Program. The original 44 essays/deep chapters, 24 rules, eight decision tools, 36 glossary entries, scenario atlas, evidence register, mathematical functions, source materials and previous downloads are retained. The original v0.4.4 source and saved Site version remain available for rollback.

The supplied v0.5 release package was a standalone candidate module. Statements in its source documents about not having modified the original website describe that package's earlier state, not the current integrated release.

## Model Conventions Retained

The ten-year engine retains the supplied two fictional policies, shared starting resources and outside conditions, all four scenarios, 120 monthly periods, end-of-month contributions, effective annual market return converted to a monthly factor, APR/12 debt interest, annual wage and price indexation, and unrounded internal monthly flows. It does not reuse or change the existing debt or compounding calculators, which disclose their own conventions.

The base case's displayed dollar amounts are calculated from those assumptions; they are not hard-coded outcomes. The doctrine path's lower discretionary spending is consumption foregone. A higher modeled balance does not establish higher well-being, market outperformance or a causal program effect.

## Numerical Safeguards

- Required inputs must be finite numeric values within the disclosed form ranges. Blank, nonfinite, negative monetary and unsupported rate assumptions are rejected.
- Opening cash, debt and annual gross income are supported up to $1,000,000; monthly essentials, discretionary spending and required payments up to $50,000. Debt APR is 0–100%. Pure model annual wage, price and market rates must be above −100% and at most 100%; the interface uses the supplied scenario rates.
- The integrated engine uses the supplied model's continuous, unrounded monthly convention. It does not adopt the separate original debt tool's monthly cent-rounding convention.
- Floating-point values within $0.00000001 of zero available cash are treated as zero. This prevents arithmetic dust from incorrectly labeling an exactly balanced plan unfunded. A genuine one-cent funding shortfall is preserved.
- Displayed amounts use half-up cent rounding of the absolute magnitude, with the original sign restored. A value within $0.00000001 of an exact half-cent is treated as a tie. This prevents two mathematically equal paths from displaying different cents because of binary floating-point dust.
- Raw exported ledger values retain eight decimal places. Very small numerical differences within the stated tolerance do not establish economic differences.
- Nonfinite or unsupported intermediate balances fail visibly. Internal calculation checks are not an external professional audit.

## Funding Gaps And Exports

A funding gap permanently invalidates the later feasible projection for that path, including after subsequent diagnostic inflows repay an accumulated unmet need. The public chart ends at the last valid annual point. A comparative wealth difference is shown only when both paths remain funded.

The CSV contains both 120-month ledgers (240 rows), nominal USD amounts, an explicit valid_funding flag and row-status text. Its feasible_networth_nominal_usd column is blank from the first funding gap onward. Its diagnostic_networth_nominal_usd column preserves the source bookkeeping for inspection, clearly labeled as diagnostic after a gap. It is not a feasible outcome, free loan, assumed credit approval or rescue funding.

## Progress Tracker Privacy

The four-input financial snapshot from the package is retained and validates missing amounts explicitly. Its net-worth result covers only listed cash, investments and debt; its essential-only runway excludes other outflows and is undefined when essentials are zero.

Four optional personal checkpoints, a review date, a short note and explicit JSON export are integration enhancements. They remain in tab memory and are cleared on reload. No automatic persistence, upload, participant recruitment or research data collection is added. A checklist completion count is not an agency score, capability measure or study outcome. The existing bookmarks, reading progress and explicitly saved field notes retain their original browser-local behavior.

## Validation Status

The participant validation program is an unlaunched design proposal. No recruitment, approval, data collection, participant result, causal effectiveness or independent scientific confirmation is claimed. The original methodology and proposed protocol remain downloadable in full. Independent external financial, methodological, ethics and applicable legal review remains pending.