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· 1 year ago
87479129764459e6ed759107f6df15ce62859d53
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690a16702
2 files changed +1 −1050
- lifestyle-calculator-data-2.json +0 −1049
- lifestyle-calculator-data.json +1 −1
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--- a/lifestyle-calculator-data-2.json +++ /dev/null @@ -1,1049 +0,0 @@ -{ - "incomeBrackets": [ - { - "income": 20000, - "label": "Working Poor", - "description": "It's a grind. Every dollar is stretched. Focus on essentials for the family.", - "budgetAllocation": { - "Housing": 55, - "Food": 20, - "Transportation": 15, - "Health": 5, - "Other": 5 - } - }, - { - "income": 30000, - "label": "Low Income", - "description": "Budgeting is an art form. A family night out for pizza is a rare, celebrated event.", - "budgetAllocation": { - "Housing": 45, - "Food": 18, - "Transportation": 12, - "Health": 8, - "Savings": 2, - "Other": 5 - } - }, - { - "income": 50000, - "label": "Lower Middle Class", - "description": "Essentials are covered, maybe some family activities. Saving is tough but not impossible.", - "milestone": { - "title": "Building a Foundation", - "emoji": "🔨" - }, - "budgetAllocation": { - "Housing": 40, - "Food": 15, - "Transportation": 10, - "Savings": 5, - "Health": 8, - "Leisure": 2 - } - }, - { - "income": 75000, - "label": "Middle Class", - "description": "Comfortable family life, but mindful of spending. Building a nest egg and a 401k.", - "budgetAllocation": { - "Housing": 35, - "Food": 15, - "Transportation": 10, - "Savings": 10, - "Health": 8, - "Leisure": 12 - } - }, - { - "income": 100000, - "label": "Upper Middle Class", - "description": "Family life's pretty good! More treats, less stress. Investments are growing.", - "milestone": { - "title": "Comfortable Living", - "emoji": "🛋️" - }, - "budgetAllocation": { - "Housing": 30, - "Investments": 15, - "Food": 12, - "Transportation": 8, - "Leisure": 15, - "Health": 10 - } - }, - { - "income": 150000, - "label": "Affluent", - "description": "Enjoying finer things with the family. Weekend getaways and nice dinners are regular.", - "budgetAllocation": { - "Housing": 28, - "Investments": 20, - "Food": 10, - "Transportation": 7, - "Leisure": 20, - "Health": 15 - } - }, - { - "income": 200000, - "label": "High Income", - "description": "Luxury choices become more accessible for the family. Quality of life upgrades.", - "milestone": { - "title": "The Finer Things", - "emoji": "🍷" - }, - "budgetAllocation": { - "Housing": 25, - "Investments": 25, - "Taxes": 15, - "Leisure": 20, - "Services": 5, - "Food": 10 - } - }, - { - "income": 300000, - "label": "Wealthy", - "description": "Premium experiences are standard. Financial advisor helps manage family wealth.", - "budgetAllocation": { - "Investments": 30, - "Taxes": 20, - "Housing": 20, - "Leisure": 15, - "Services": 10, - "Philanthropy": 5 - } - }, - { - "income": 500000, - "label": "Very Wealthy", - "description": "Elite living for the family. Significant choices in education and travel.", - "budgetAllocation": { - "Investments": 35, - "Taxes": 25, - "Housing": 15, - "Leisure": 15, - "Services": 5, - "Philanthropy": 5 - } - }, - { - "income": 750000, - "label": "Ultra High Net Worth", - "description": "Exclusive access and bespoke services. Family hobbies can be extravagant.", - "milestone": { - "title": "Significant Wealth", - "emoji": "💎" - }, - "budgetAllocation": { - "Investments": 40, - "Taxes": 25, - "Housing": 10, - "Leisure/Travel": 15, - "Services": 5, - "Philanthropy": 5 - } - }, - { - "income": 1000000, - "label": "Millionaire", - "description": "Congrats, you made it! Smart allocation and enjoying the fruits with your family.", - "budgetAllocation": { - "Investments": 45, - "Taxes": 25, - "Leisure/Travel": 10, - "Services": 10, - "Philanthropy": 10 - } - }, - { - "income": 2000000, - "label": "Multi-Millionaire", - "description": "Significant financial freedom. Global travel and investment opportunities for the family.", - "budgetAllocation": { - "Investments": 50, - "Taxes": 20, - "Leisure/Travel": 10, - "Services": 10, - "Philanthropy": 10 - } - }, - { - "income": 5000000, - "label": "Ultra Wealthy", - "description": "The world is your family's playground. Legacy planning and philanthropy.", - "milestone": { - "title": "Generational Wealth", - "emoji": "Legacy" - }, - "budgetAllocation": { - "Wealth Management": 50, - "Taxes": 20, - "Lifestyle": 20, - "Philanthropy": 10 - } - }, - { - "income": 10000000, - "label": "Ultra Elite", - "description": "Your family's biggest worry? Which continent for the summer. Influencing broader causes.", - "budgetAllocation": { - "Wealth Management": 50, - "Taxes": 20, - "Lifestyle": 20, - "Philanthropy": 10 - } - }, - { - "income": 25000000, - "label": "Billionaire Class", - "description": "Price tags are suggestions. Next stop: shaping global change or funding major family endeavors.", - "budgetAllocation": { - "Wealth Management": 60, - "Lifestyle": 20, - "Philanthropy": 20 - } - } - ], - "costOfLivingFactors": [ - { - "city": "Select City (Average US baseline)", - "factor": 1.0, - "currencySymbol": "$" - }, - { - "city": "New York City, USA", - "factor": 1.25, - "currencySymbol": "$" - }, - { - "city": "San Francisco, USA", - "factor": 1.3, - "currencySymbol": "$" - }, - { - "city": "Los Angeles, USA", - "factor": 1.15, - "currencySymbol": "$" - }, - { - "city": "Chicago, USA", - "factor": 1.05, - "currencySymbol": "$" - }, - { - "city": "London, UK", - "factor": 1.2, - "currencySymbol": "£" - }, - { - "city": "Paris, FR", - "factor": 1.15, - "currencySymbol": "€" - }, - { - "city": "Tokyo, JP", - "factor": 1.1, - "currencySymbol": "¥" - }, - { - "city": "Sydney, AU", - "factor": 1.1, - "currencySymbol": "A$" - }, - { - "city": "Toronto, CA", - "factor": 1.05, - "currencySymbol": "C$" - }, - { - "city": "Berlin, DE", - "factor": 0.9, - "currencySymbol": "€" - }, - { - "city": "Mexico City, MX", - "factor": 0.7, - "currencySymbol": "$" - }, - { - "city": "Bangalore, IN", - "factor": 0.6, - "currencySymbol": "₹" - }, - { - "city": "Rural Area (Generic)", - "factor": 0.85, - "currencySymbol": "$" - } - ], - "lifestyleData": { - "dining": [ - { - "min": 0, - "items": [ - { - "title": "Home Cooking on a Budget", - "desc": "Staples like pasta, rice, beans. Focus on supermarket private labels. A rare treat: $5 pizza or local takeaway.", - "itemIcon": "bi-basket2-fill", - "financialNote": "Food budget is extremely tight, maximizing nutrition per dollar.", - "badges": [ - "essential", - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Occasional Casual Family Meals", - "desc": "Local diners or casual chains like Applebee's or Chili's once or twice a month. Aware of family meal deals.", - "itemIcon": "bi-cup-hot-fill", - "financialNote": "Dining out is a budgeted treat. Still primarily home-cooking.", - "badges": [ - "milestone" - ] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Regular Foodie Exploration", - "desc": "Weekly family dinners at popular local restaurants, food halls, or trying diverse cuisines.", - "itemIcon": "bi-emoji-sunglasses", - "financialNote": "Dining out is a regular part of the lifestyle.", - "badges": [ - "premium" - ] - }, - { - "title": "Premium Pantry & Organic Focus", - "desc": "Regular shopping at Whole Foods, Trader Joe's, or local organic markets. Investing in better quality ingredients.", - "itemIcon": "bi-shop-window", - "financialNote": "Prioritizing quality and specialty ingredients.", - "badges": [ - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Fine Dining Experiences", - "desc": "Monthly reservations at acclaimed local restaurants, possibly with tasting menus. Exploring restaurants noted in Michelin Guide.", - "itemIcon": "bi-award-fill", - "financialNote": "High-quality dining is a significant leisure expense.", - "badges": [ - "premium", - "aspirational" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Private Chef & Exclusive Reservations", - "desc": "Personal chef for special family occasions or regular meal prep. Securing tables at globally renowned, hard-to-book establishments.", - "itemIcon": "bi-person-hearts", - "financialNote": "Ultimate convenience and exclusivity in dining.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - } - ], - "housing": [ - { - "min": 0, - "items": [ - { - "title": "Renting in Less Central Areas / Shared Living", - "desc": "Renting a smaller apartment or sharing a house, often further from city centers. Furniture is often second-hand.", - "itemIcon": "bi-building-lock", - "financialNote": "Rent/housing is the largest expense, often >40-50% of income.", - "badges": [ - "essential", - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Modest Apartment or Starter Condo", - "desc": "Renting a 1-2BR apartment in a decent neighborhood or a small condo. Basic but functional amenities and furniture from IKEA/Wayfair.", - "itemIcon": "bi-house-check-fill", - "financialNote": "Housing is a primary, manageable expense, typically 30-40% of income.", - "badges": [ - "essential", - "milestone" - ], - "modifiers": { - "familySize": [ - "single", - "couple" - ] - } - }, - { - "title": "Small Starter Home or Larger Rental", - "desc": "Owning a small starter home in an area with good public schools, or renting a 2-3BR apartment/townhouse. Focus on space and safety.", - "itemIcon": "bi-house-heart-fill", - "financialNote": "Prioritizing a safe environment for kids, often at the edge of affordability.", - "badges": [ - "essential", - "milestone" - ], - "modifiers": { - "familySize": [ - "family" - ] - } - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Comfortable Home Ownership / Quality Rental", - "desc": "Owning a modest single-family home in a desirable neighborhood or renting a modern apartment with amenities. Upgrading to better quality furniture (West Elm, Pottery Barn).", - "itemIcon": "bi-house-up-fill", - "financialNote": "Managing mortgage or higher rental costs. Typically 25-35% of income.", - "badges": [ - "milestone", - "aspirational", - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Luxury Home or Upscale Apartment", - "desc": "Spacious, well-appointed home in a prime neighborhood, or a luxury condo with premium amenities. May involve an interior designer for renovations.", - "itemIcon": "bi-house-gear-fill", - "financialNote": "Property is a significant asset and reflection of status.", - "badges": [ - "premium", - "statusSymbol", - "aspirational" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Multiple Luxury Properties & Household Staff", - "desc": "Primary residence in an exclusive enclave, plus vacation homes. Employing full-time staff: house manager, private chef, nannies, etc.", - "itemIcon": "bi-buildings-fill", - "financialNote": "Managing a portfolio of international properties with significant upkeep and staffing.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - } - ], - "transportation": [ - { - "min": 0, - "items": [ - { - "title": "Public Transit & Walking", - "desc": "Reliant on local bus, subway, or walking. If a car is owned, it's older and high-mileage, with repairs being a major budget concern.", - "itemIcon": "bi-bus-front", - "financialNote": "Transportation costs minimized. Car ownership is a significant, unpredictable expense.", - "badges": [ - "essential", - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Dependable Used Car", - "desc": "Owning a reliable used car (e.g., 5-8 year old Toyota Corolla, Honda CR-V). Focus on fuel efficiency and lower maintenance costs.", - "itemIcon": "bi-car-front", - "financialNote": "Car is a tool for commuting and family needs.", - "badges": [ - "milestone" - ] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Newer Practical Car or Entry EV", - "desc": "A new or certified pre-owned practical family car (e.g., Toyota RAV4, Kia Telluride). Possibly an entry-level EV. Focus on safety and modern features.", - "itemIcon": "bi-ev-front-fill", - "financialNote": "Managing a car loan and comprehensive insurance.", - "badges": [ - "milestone", - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Luxury Daily Driver", - "desc": "Driving a new or recent model luxury SUV or sedan (e.g., Tesla Model Y/S, BMW X5, Porsche Macan). A two-car household is common.", - "itemIcon": "bi-speedometer2", - "financialNote": "Comfort, performance, and brand prestige are important.", - "badges": [ - "premium", - "statusSymbol" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Exotic Cars & Private Driver", - "desc": "Owning high-performance sports cars (Ferrari, Lamborghini) or employing a full-time chauffeur for daily transport.", - "itemIcon": "bi-trophy-fill", - "financialNote": "Cars as passion assets or for ultimate convenience.", - "badges": [ - "ultraPremium", - "statusSymbol", - "convenience" - ] - } - ] - } - ], - "travel": [ - { - "min": 0, - "items": [ - { - "title": "Staycations & Local Outings", - "desc": "Exploring local parks, free museums, community events. Annual family camping trip at a local campsite.", - "itemIcon": "bi-signpost-split-fill", - "financialNote": "Travel budget is minimal to non-existent.", - "badges": [ - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Budget Domestic Trips", - "desc": "Annual family vacation via driving or budget airlines. Staying in budget hotels or basic Airbnb rentals.", - "itemIcon": "bi-airplane-fill", - "financialNote": "Travel is carefully planned and saved for.", - "badges": [ - "milestone" - ] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Introductory International Travel / Theme Parks", - "desc": "First family trips to an all-inclusive resort in Mexico/Caribbean, a week in a major European city, or a trip to Disney/Universal.", - "itemIcon": "bi-globe-americas", - "financialNote": "Travel is a regular, planned expense for creating family memories.", - "badges": [ - "aspirational", - "milestone" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Business Class Travel & Luxury Resorts", - "desc": "Flying business class for long-haul flights. Staying at 5-star resorts (e.g., Four Seasons, St. Regis). Tailored family adventures like African safaris.", - "itemIcon": "bi-passport-fill", - "financialNote": "Travel is a significant leisure investment, focused on premium experiences.", - "badges": [ - "premium", - "statusSymbol", - "aspirational" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "First Class Suites & Private Aviation", - "desc": "Flying first-class suites or chartering private jets for family travel. Extended, multi-continent trips. Chartering superyachts.", - "itemIcon": "bi-airplane-engines-fill", - "financialNote": "Ultimate luxury, privacy, and convenience in travel.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - } - ], - "entertainment": [ - { - "min": 0, - "items": [ - { - "title": "Free & Low-Cost Fun", - "desc": "Utilizing public libraries, free local concerts, hiking. Streaming via ad-supported tiers or shared family accounts.", - "itemIcon": "bi-headphones", - "financialNote": "Entertainment relies on free or very low-cost community resources.", - "badges": [ - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Local Events & Streaming Subscriptions", - "desc": "Catching a movie at matinee prices, attending local fairs. Subscribing to 1-2 basic streaming services.", - "itemIcon": "bi-ticket-fill", - "financialNote": "Small, planned entertainment expenses.", - "badges": [] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Major Concerts & Live Sports", - "desc": "Attending concerts or professional sporting events a few times a year. Enhanced home entertainment with a good 4K TV and current gaming console.", - "itemIcon": "bi-boombox-fill", - "financialNote": "Budgeting for higher-cost entertainment experiences.", - "badges": [ - "milestone", - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "VIP Experiences & Season Tickets", - "desc": "VIP packages for concerts/festivals. Season tickets (club level) for favorite sports teams. High-end hobbies like collecting art or fine wines.", - "itemIcon": "bi-patch-check-fill", - "financialNote": "Premium access and hobbies become significant investments.", - "badges": [ - "premium", - "statusSymbol", - "aspirational" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Courtside, Backstage & Gala Access", - "desc": "Courtside seats at major sporting events, front row at Fashion Week. Attending exclusive galas and charity balls. Patronage of the arts.", - "itemIcon": "bi-star-fill", - "financialNote": "Access to the most exclusive entertainment and cultural events.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - } - ], - "education": [ - { - "min": 0, - "items": [ - { - "title": "Public School & Library Resources", - "desc": "Children attend local public schools. Heavy reliance on public library and free online resources like Khan Academy.", - "itemIcon": "bi-book-fill", - "financialNote": "Education primarily via free public resources.", - "badges": [ - "essential", - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Public University (In-State) / Trade School", - "desc": "Children may attend in-state public universities with aid/loans, or pursue vocational training. Adults might take online certificate courses.", - "itemIcon": "bi-mortarboard-fill", - "financialNote": "Managing student loan debt is a significant concern.", - "badges": [ - "milestone" - ] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Choice of Public or Private University", - "desc": "Children attend well-regarded state universities or private universities with aid. Regular contributions to 529 plans.", - "itemIcon": "bi-bank", - "financialNote": "Strategic planning for education costs.", - "badges": [ - "aspirational", - "milestone", - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Elite Universities & Private Tutoring", - "desc": "Children attend highly selective universities (Ivy League, Oxbridge). Hiring private tutors for test prep. Adults may pursue executive MBAs.", - "itemIcon": "bi-building-fill-check", - "financialNote": "Education costs are a significant but manageable investment.", - "badges": [ - "premium", - "statusSymbol", - "convenience" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Elite Global Education & University Endowments", - "desc": "Children attend prestigious international boarding schools. Custom educational programs. Significant philanthropic contributions to universities.", - "itemIcon": "bi-globe2", - "financialNote": "Providing the most exclusive global education and shaping institutions.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - } - ], - "healthAndWellness": [ - { - "min": 0, - "items": [ - { - "title": "Public Health Services & ER", - "desc": "Reliant on community clinics, public health services, or emergency rooms for urgent care. Health is often reactive, not proactive, due to cost concerns.", - "itemIcon": "bi-hospital", - "badges": [ - "essential" - ], - "financialNote": "Medical debt is a significant risk." - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Basic Health Insurance", - "desc": "Typically have an employer-sponsored or marketplace plan. Managing deductibles and co-pays is a key part of the budget.", - "itemIcon": "bi-file-medical", - "badges": [ - "essential" - ] - }, - { - "title": "Focus on Children's Health", - "desc": "Prioritizing children's check-ups, dental, and vision care, sometimes at the expense of parents' own non-urgent care.", - "itemIcon": "bi-bandaid-fill", - "badges": [ - "essential" - ], - "modifiers": { - "familySize": [ - "family" - ] - } - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Good Insurance & Preventative Care", - "desc": "Able to afford better health, dental, and vision insurance plans. Focus shifts to regular check-ups and screenings for the whole family.", - "itemIcon": "bi-shield-check", - "badges": [ - "milestone" - ] - }, - { - "title": "Gym Memberships & Fitness Classes", - "desc": "Joining a standard gym (e.g., LA Fitness) or participating in local fitness classes. Maybe a Peloton subscription.", - "itemIcon": "bi-bicycle", - "badges": [ - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Boutique Fitness & Personal Training", - "desc": "Memberships to high-end gyms or specialized studios (e.g., Equinox, Orangetheory). May hire a personal trainer.", - "itemIcon": "bi-universal-access-circle", - "badges": [ - "premium", - "statusSymbol" - ] - }, - { - "title": "Mental Health & Proactive Wellness", - "desc": "Regular therapy, coaching, or subscriptions to wellness apps (Headspace, Calm) are common. Massages and other treatments are regular.", - "itemIcon": "bi-peace-fill", - "badges": [ - "premium" - ] - } - ] - }, - { - "min": 9, - "items": [ - { - "title": "Concierge Medicine & Wellness Retreats", - "desc": "Paying a retainer for 24/7 direct access to a primary care doctor (concierge medicine). Attending multi-day health and wellness retreats.", - "itemIcon": "bi-person-badge", - "badges": [ - "ultraPremium", - "convenience" - ] - }, - { - "title": "Advanced Health Optimization", - "desc": "Access to advanced diagnostic screenings, genetic testing, and nutritionists to optimize health and longevity.", - "itemIcon": "bi-clipboard2-pulse-fill", - "badges": [ - "ultraPremium" - ] - } - ] - } - ], - "services": [ - { - "min": 0, - "items": [ - { - "title": "DIY Everything & Community Support", - "desc": "Haircuts at home, all cleaning, cooking, and repairs done by family. Relying on friends and family for childcare.", - "itemIcon": "bi-scissors", - "financialNote": "Time is traded for cost savings.", - "badges": [ - "essential", - "budgetSmart" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Basic Maintenance & Occasional Convenience", - "desc": "Budget haircuts. Occasional use of a handyman or meal kit delivery with a discount offer.", - "itemIcon": "bi-wrench-adjustable-circle", - "financialNote": "Convenience services are infrequent splurges.", - "badges": [ - "convenience" - ] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Regular Personal Care & Home Help", - "desc": "Monthly salon visits, bi-weekly house cleaning service, regular lawn care. Frequent food delivery. Gym memberships.", - "itemIcon": "bi-person-check-fill", - "financialNote": "Services to save time and maintain quality of life.", - "badges": [ - "convenience", - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Concierge & Comprehensive Household Support", - "desc": "Part-time personal assistant, personal shopper, premium spa treatments. Full-time or regular part-time nanny.", - "itemIcon": "bi-person-rolodex", - "financialNote": "High-touch services for personalized convenience.", - "badges": [ - "premium", - "convenience", - "statusSymbol" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Full Estate Management & Elite Concierge", - "desc": "Employing a full household team (butler, chef, security). Membership with global concierge services (e.g., Quintessentially) for any request.", - "itemIcon": "bi-shield-lock-fill", - "financialNote": "Running a large household like a small business. Access to a global fulfillment network.", - "badges": [ - "ultraPremium", - "statusSymbol", - "convenience" - ] - } - ] - } - ], - "financialServices": [ - { - "min": 0, - "items": [ - { - "title": "Basic Banking & Survival Mode", - "desc": "Focus on immediate needs. May use check-cashing services. Debt is often high-interest. No investments.", - "itemIcon": "bi-piggy-bank-fill", - "financialNote": "Financial stability is precarious.", - "badges": [ - "essential" - ] - } - ] - }, - { - "min": 2, - "items": [ - { - "title": "Building Emergency Fund & Basic Retirement", - "desc": "Goal: 3-6 months of expenses in a high-yield savings account. Starting 401k/IRA contributions with target-date funds.", - "itemIcon": "bi-graph-up", - "financialNote": "Laying the groundwork for financial security.", - "badges": [ - "essential", - "milestone", - "budgetSmart" - ] - } - ] - }, - { - "min": 4, - "items": [ - { - "title": "Maxing Retirement Accounts & Diversification", - "desc": "Aiming to max out 401k/IRA/HSA. Building a diversified portfolio with low-cost index funds. May use robo-advisors.", - "itemIcon": "bi-briefcase-fill", - "financialNote": "Systematic wealth accumulation phase.", - "badges": [ - "milestone", - "premium" - ] - } - ] - }, - { - "min": 7, - "items": [ - { - "title": "Comprehensive Financial Planning", - "desc": "Engage a Certified Financial Planner (CFP). Focus on tax optimization, robust insurance, and foundational estate planning.", - "itemIcon": "bi-person-lines-fill", - "financialNote": "Professional guidance for growing wealth and complexity.", - "badges": [ - "premium", - "milestone" - ] - } - ] - }, - { - "min": 10, - "items": [ - { - "title": "Advanced Wealth Management / Private Banking", - "desc": "Working with private bankers at firms like Morgan Stanley or Merrill Lynch. Access to alternative investments (hedge funds, private equity).", - "itemIcon": "bi-bank2", - "financialNote": "High-touch management for significant wealth.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - }, - { - "min": 13, - "items": [ - { - "title": "Dedicated Family Office / Institutional Management", - "desc": "Establishing a single-family office for direct investments in venture capital, real estate, etc. Focus on multi-generational wealth preservation.", - "itemIcon": "bi-diagram-3-fill", - "financialNote": "Holistic management of substantial, global family wealth as an enterprise.", - "badges": [ - "ultraPremium", - "statusSymbol" - ] - } - ] - } - ] - } -} \ No newline at end of file --- a/lifestyle-calculator-data.json +++ b/lifestyle-calculator-data.json @@ -336,7 +336,7 @@ ] } ], - "healthAndWellness": [ + "health-wellness": [ { "min": 0, "items": [ {"title": "Public Health Services & ER", "desc": "Reliant on community clinics, public health services, or emergency rooms for urgent care. Health is often reactive, not proactive, due to cost concerns.", "itemIcon": "bi-hospital", "badges": ["essential"], "financialNote": "Medical debt is a significant risk."} ]},