add COL
· 1 year ago
b58ff9fa6b6770e34bec86d3b64db4e56e68769e
Parent:
b4dcfcd06
2 files changed +326 −181
- lifestyle-calculator.html +214 −85
- lifetyle-calculator-data.json +112 −96
Diff
--- a/lifestyle-calculator.html +++ b/lifestyle-calculator.html @@ -3,29 +3,26 @@ <head> <meta charset="utf-8"/> <meta content="width=device-width, initial-scale=1.0" name="viewport"/> - <title>Lifestyle Calculator: What Your Income Really Buys You</title> - <meta content="Explore how different income levels translate to real lifestyle choices . From $20K to $10M+, see what you can afford: dining, travel, housing, entertainment, education, financial planning, and luxury services with this interactive tool." name="description"/> - <meta content="lifestyle calculator, income lifestyle, lifestyle, what can I afford, salary lifestyle, income comparison, lifestyle expenses, luxury calculator, income brackets, wealth lifestyle, finance, cost of living, financial planning, investments" name="keywords"/> + <title>Lifestyle Calculator: What Your Family's Income Really Buys</title> + <meta content="Explore how different family income levels translate to real lifestyle choices. From $20K to $25M+, see what your household can afford: dining, travel, housing, entertainment, education, financial planning, and luxury services with this interactive tool. Includes a basic Cost of Living Adjustment." name="description"/> + <meta content="lifestyle calculator, income lifestyle, family budget, what can I afford, salary lifestyle, income comparison, lifestyle expenses, luxury calculator, income brackets, wealth lifestyle, finance, cost of living, financial planning, investments, family finance" name="keywords"/> <link href="https://cheatsheets.davidveksler.com/lifestyle-calculator.html" rel="canonical"/> <!-- Open Graph / Facebook --> <meta content="website" property="og:type"/> <meta content="https://cheatsheets.davidveksler.com/lifestyle-calculator.html" property="og:url"/> - <meta content="Lifestyle Calculator: What Your Income Really Buys You" property="og:title"/> - <meta content="Explore how different income levels translate to real lifestyle choices . From $20K to $10M+, see what you can afford in dining, travel, housing, entertainment, education, financial planning, and luxury services." property="og:description"/> + <meta content="Lifestyle Calculator: What Your Family's Income Really Buys" property="og:title"/> + <meta content="Explore how different family income levels translate to real lifestyle choices, with a basic Cost of Living Adjustment. See what your household can afford from $20K to $25M+." property="og:description"/> <meta content="https://cheatsheets.davidveksler.com/images/lifestyle-calculator-og.png" property="og:image"/> <meta content="Interactive lifestyle calculator showing income to lifestyle progression " property="og:image:alt"/> <meta content="1200" property="og:image:width"/> <meta content="630" property="og:image:height"/> - <meta content="David Vekslers Cheatsheets" property="og:site_name"/> <!-- Twitter Card --> <meta content="summary_large_image" name="twitter:card"/> - <meta content="@heroiclife" name="twitter:site"/> - <meta content="@heroiclife" name="twitter:creator"/> <meta content="https://cheatsheets.davidveksler.com/lifestyle-calculator.html" name="twitter:url"/> - <meta content="Lifestyle Calculator: What Your Income Really Buys You" name="twitter:title"/> - <meta content="Explore how different income levels translate to real lifestyle choices . From $20K to $10M+, see what you can afford in dining, travel, housing, entertainment, education, financial planning, and luxury services." name="twitter:description"/> + <meta content="Lifestyle Calculator: What Your Family's Income Really Buys" name="twitter:title"/> + <meta content="Explore how different family income levels translate to real lifestyle choices, with a basic Cost of Living Adjustment. See what your household can afford from $20K to $25M+." name="twitter:description"/> <meta content="https://cheatsheets.davidveksler.com/images/lifestyle-calculator-twitter.png" name="twitter:image"/> <link crossorigin="anonymous" href="https://cdn.jsdelivr.net/npm/[email protected]/dist/css/bootstrap.min.css" integrity="sha384-QWTKZyjpPEjISv5WaRU9OFeRpok6YctnYmDr5pNlyT2bRjXh0JMhjY6hW+ALEwIH" rel="stylesheet"/> @@ -47,6 +44,23 @@ --card-shadow: 0 10px 25px rgba(0, 0, 0, 0.1); --border-radius: 0.75rem; /* 12px */ --primary-color-rgb: 13, 110, 253; /* For box-shadow transparency */ + + --badge-budgetSmart-bg: #e0f2f1; /* Teal light */ + --badge-budgetSmart-text: #00796b; /* Teal dark */ + --badge-milestone-bg: #e3f2fd; /* Blue light */ + --badge-milestone-text: #1565c0; /* Blue dark */ + --badge-essential-bg: #fce4ec; /* Pink light */ + --badge-essential-text: #ad1457; /* Pink dark */ + --badge-premium-bg: #fff8e1; /* Yellow light */ + --badge-premium-text: #f57f17; /* Yellow dark */ + --badge-ultraPremium-bg: #f3e5f5; /* Purple light */ + --badge-ultraPremium-text: #6a1b9a;/* Purple dark */ + --badge-aspirational-bg: #e8f5e9; /* Green light */ + --badge-aspirational-text: #2e7d32;/* Green dark */ + --badge-convenience-bg: #f1f8e9; /* Light Green light */ + --badge-convenience-text: #558b2f; /* Light Green dark */ + --badge-statusSymbol-bg: #ede7f6; /* Deep Purple light */ + --badge-statusSymbol-text: #4527a0;/* Deep Purple dark */ } body { @@ -76,48 +90,74 @@ } .page-title { font-family: 'Roboto Slab', serif; - font-size: 2.8rem; + font-size: 2.6rem; font-weight: 700; color: var(--primary-color); - margin-bottom: 0.5rem; + margin-bottom: 0.25rem; } .page-subtitle { - font-size: 1.1rem; + font-size: 1.0rem; color: var(--secondary-color); - margin-bottom: 2rem; + margin-bottom: 0.5rem; + } + .calculator-note { + font-size: 0.9rem; /* Made slightly larger for visibility */ + color: var(--dark-color); /* Darker for better readability */ + font-style: normal; /* Normal style */ + font-weight: 500; /* Slightly bolder */ + background-color: #fff3cd; /* Light yellow background for emphasis */ + border: 1px solid #ffeeba; /* Yellow border */ + padding: 0.5rem 0.75rem; + border-radius: 0.375rem; /* Bootstrap's default border-radius */ + margin-bottom: 1.5rem; + text-align: center; } - .income-slider-container { + + .controls-container { background: var(--light-color); border-radius: var(--border-radius); - padding: 2rem; - margin-bottom: 1rem; + padding: 1.5rem; + margin-bottom: 2rem; border: 1px solid #ced4da; } + + .cola-container { margin-bottom: 1.5rem; } + .cola-container label { font-weight: 500; margin-bottom: 0.3rem; font-size: 0.9rem;} + .form-select-sm { font-size: 0.875rem; padding-top: 0.4rem; padding-bottom: 0.4rem;} + .income-display { font-family: 'Roboto Slab', serif; - font-size: 2.5rem; + font-size: 2.3rem; font-weight: 700; color: var(--primary-color); text-align: center; + margin-bottom: 0.1rem; + } + .effective-income-display { + font-size: 0.95rem; + color: var(--secondary-color); + text-align: center; margin-bottom: 0.25rem; + font-style: italic; + min-height: 20px; } .income-bracket-label { - font-size: 1.4rem; + font-size: 1.3rem; color: var(--dark-color); text-align: center; font-weight: 600; margin-bottom: 0.25rem; } .income-bracket-description { - font-size: 0.95rem; + font-size: 0.9rem; color: #495057; text-align: center; font-weight: 400; margin-bottom: 1.5rem; - min-height: 38px; + min-height: 38px; /* Adjust if descriptions become longer */ line-height: 1.4; } @@ -127,7 +167,7 @@ .slider::-moz-range-thumb { width: 30px; height: 30px; border-radius: 50%; background: var(--primary-color); cursor: pointer; border: 5px solid white; box-shadow: 0 3px 8px rgba(var(--primary-color-rgb), 0.5); } .slider-labels { display: flex; justify-content: space-between; font-size: 0.85rem; color: #6c757d; padding: 0 5px; } - .visual-income-bar-container { display: flex; width: 100%; height: 14px; background-color: #e9ecef; border-radius: 7px; overflow: hidden; margin: 1.25rem auto 2rem; box-shadow: inset 0 1px 3px rgba(0,0,0,0.08); } + .visual-income-bar-container { display: flex; width: 100%; height: 14px; background-color: #e9ecef; border-radius: 7px; overflow: hidden; margin: 1.25rem auto 1.5rem; box-shadow: inset 0 1px 3px rgba(0,0,0,0.08); } .income-bar-segment { height: 100%; background: var(--primary-color); transition: width 0.5s ease-in-out; } .lifestyle-category { background: #ffffff; border-radius: var(--border-radius); padding: 1.75rem; margin-bottom: 1.75rem; border-left: 6px solid var(--primary-color); box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08); transition: all 0.3s ease; } @@ -136,36 +176,54 @@ .category-icon { font-size: 2rem; color: var(--primary-color); opacity: 0.8; } .category-item-icon { - font-size: 1.5rem; - color: var(--primary-color); - opacity: 0.7; - margin-right: 0.85rem; + font-size: 1.6rem; + color: var(--primary-color); /* Will be overridden by category specific color */ + opacity: 0.75; + margin-right: 1rem; vertical-align: middle; flex-shrink: 0; - width: 30px; + width: 32px; text-align: center; } - .category-item { background: var(--light-color); border-radius: 10px; padding: 1.25rem; margin-bottom: 1rem; border: 1px solid #dee2e6; display: flex; align-items: center; transition: background-color 0.2s ease; } + .category-item { background: var(--light-color); border-radius: 10px; padding: 1.25rem; margin-bottom: 1rem; border: 1px solid #dee2e6; display: flex; align-items: flex-start; transition: background-color 0.2s ease; } .category-item:hover { background-color: #e9ecef; } .category-item .item-content-wrapper { flex-grow: 1; } - .item-title { font-weight: 600; font-size: 1.05rem; color: var(--dark-color); margin-bottom: 0.3rem; display: flex; align-items: center; } - .item-description { color: #495057; font-size: 0.9rem; line-height: 1.5; } - .item-financial-note { color: var(--success-color); font-size: 0.8rem; font-style: italic; margin-top: 0.4rem; opacity: 0.9; } + .item-title { font-weight: 600; font-size: 1.0rem; color: var(--dark-color); margin-bottom: 0.3rem; display: flex; align-items: center; } + .item-description { color: #495057; font-size: 0.85rem; line-height: 1.5; margin-bottom: 0.3rem; } + .item-financial-note { color: #555; font-size: 0.8rem; font-style: italic; margin-top: 0.4rem; opacity: 0.9; } + .item-budget-percent { color: var(--success-color); font-size: 0.8rem; font-weight: 500; margin-top: 0.4rem; display: block; } - .luxury-badge, .ultra-luxury-badge { padding: 0.35rem 0.9rem; border-radius: 50px; font-size: 0.75rem; font-weight: 600; margin-left: 0.5rem; white-space: nowrap; border: 1px solid transparent;} - .luxury-badge { background: var(--warning-color); color: var(--dark-color); border-color: rgba(0,0,0,0.1); } - .ultra-luxury-badge { background: var(--danger-color); color: white; } + .badges-container { margin-top: 0.5rem; display: flex; flex-wrap: wrap; gap: 0.4rem; } + .badge-custom { + padding: 0.3rem 0.75rem; + border-radius: 50px; + font-size: 0.7rem; + font-weight: 600; + text-transform: uppercase; + letter-spacing: 0.5px; + border: 1px solid transparent; + } + .badge-budgetSmart { background-color: var(--badge-budgetSmart-bg); color: var(--badge-budgetSmart-text); border-color: var(--badge-budgetSmart-text); } + .badge-milestone { background-color: var(--badge-milestone-bg); color: var(--badge-milestone-text); border-color: var(--badge-milestone-text); } + .badge-essential { background-color: var(--badge-essential-bg); color: var(--badge-essential-text); border-color: var(--badge-essential-text); } + .badge-premium { background-color: var(--badge-premium-bg); color: var(--badge-premium-text); border-color: var(--badge-premium-text); } + .badge-ultraPremium { background-color: var(--badge-ultraPremium-bg); color: var(--badge-ultraPremium-text); border-color: var(--badge-ultraPremium-text); } + .badge-aspirational { background-color: var(--badge-aspirational-bg); color: var(--badge-aspirational-text); border-color: var(--badge-aspirational-text); } + .badge-convenience { background-color: var(--badge-convenience-bg); color: var(--badge-convenience-text); border-color: var(--badge-convenience-text); } + .badge-statusSymbol { background-color: var(--badge-statusSymbol-bg); color: var(--badge-statusSymbol-text); border-color: var(--badge-statusSymbol-text); } + + + .dining { border-left-color: #fd7e14; } .dining .category-icon { color: #fd7e14; } .dining .category-item-icon { color: #fd7e14 !important; } + .travel { border-left-color: #0dcaf0; } .travel .category-icon { color: #0dcaf0; } .travel .category-item-icon { color: #0dcaf0 !important; } + .housing { border-left-color: #198754; } .housing .category-icon { color: #198754; } .housing .category-item-icon { color: #198754 !important; } + .transportation { border-left-color: #6f42c1; } .transportation .category-icon { color: #6f42c1; } .transportation .category-item-icon { color: #6f42c1 !important; } + .entertainment { border-left-color: #d63384; } .entertainment .category-icon { color: #d63384; } .entertainment .category-item-icon { color: #d63384 !important; } + .education { border-left-color: #ffc107; } .education .category-icon { color: #ffc107; } .education .category-item-icon { color: #ffc107 !important; } + .services { border-left-color: #6c757d; } .services .category-icon { color: #6c757d; } .services .category-item-icon { color: #6c757d !important; } + .financial-planning { border-left-color: #20c997; } .financial-planning .category-icon { color: #20c997; } .financial-planning .category-item-icon { color: #20c997 !important; } - .dining { border-left-color: #fd7e14; } .dining .category-icon { color: #fd7e14; } - .travel { border-left-color: #0dcaf0; } .travel .category-icon { color: #0dcaf0; } - .housing { border-left-color: #198754; } .housing .category-icon { color: #198754; } - .transportation { border-left-color: #6f42c1; } .transportation .category-icon { color: #6f42c1; } - .entertainment { border-left-color: #d63384; } .entertainment .category-icon { color: #d63384; } - .education { border-left-color: #ffc107; } .education .category-icon { color: #ffc107; } - .services { border-left-color: #6c757d; } .services .category-icon { color: #6c757d; } - .financial-planning { border-left-color: #20c997; } .financial-planning .category-icon { color: #20c997; } /* Teal color for Financial Planning */ @keyframes itemEntryAnimation { from { opacity: 0; transform: translateX(-20px) scale(0.98); } to { opacity: 1; transform: translateX(0) scale(1); } } .animate-item-entry { animation: itemEntryAnimation 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94) forwards; } @@ -178,11 +236,21 @@ <div class="main-container"> <div class="text-center"> <h1 class="page-title">💰 Lifestyle Calculator</h1> - <p class="page-subtitle">Slide to see what your income *really* affords!</p> + <p class="page-subtitle">Slide to see what your income *really* affords for your family!</p> + <p class="calculator-note"><i class="bi bi-info-circle-fill"></i> This calculator estimates lifestyle based on **annual family budget**, not net worth. Cost of Living (COLA) adjustment provides regional context.</p> </div> - <div class="income-slider-container"> + <div class="controls-container"> + <div class="row"> + <div class="col-md-6 cola-container"> + <label for="colaSelector" class="form-label">Cost of Living Adjustment (COLA):</label> + <select id="colaSelector" class="form-select form-select-sm"> + <!-- Options will be populated by JavaScript --> + </select> + </div> + </div> <div class="income-display" id="incomeDisplay">$50,000</div> + <div class="effective-income-display" id="effectiveIncomeDisplay"></div> <div class="income-bracket-label" id="incomeBracketLabel">Lower Middle Class</div> <div class="income-bracket-description" id="incomeBracketDescription">Making ends meet, with a little extra for fun.</div> @@ -190,7 +258,7 @@ <div class="slider-labels"> <span>$20K</span> <span>$1M</span> - <span>$10M+</span> + <span>$25M</span> </div> <div class="visual-income-bar-container" id="visualIncomeBarContainer"> <div class="income-bar-segment" id="incomeBarSegment"></div> @@ -212,13 +280,13 @@ <div id="housing-content"></div> </div> <div class="lifestyle-category transportation fade-in"> - <div class="category-title"><i class="bi bi-car-front category-icon"></i> Transportation</div> + <div class="category-title"><i class="bi bi-car-front-fill category-icon"></i> Transportation</div> <div id="transportation-content"></div> </div> </div> <div class="col-lg-6"> <div class="lifestyle-category entertainment fade-in"> - <div class="category-title"><i class="bi bi-dice-5 category-icon"></i> Entertainment & Hobbies</div> + <div class="category-title"><i class="bi bi-dice-5-fill category-icon"></i> Entertainment & Hobbies</div> <div id="entertainment-content"></div> </div> <div class="lifestyle-category education fade-in"> @@ -226,11 +294,11 @@ <div id="education-content"></div> </div> <div class="lifestyle-category services fade-in"> - <div class="category-title"><i class="bi bi-person-check category-icon"></i> Personal Services</div> + <div class="category-title"><i class="bi bi-person-check-fill category-icon"></i> Personal Services</div> <div id="services-content"></div> </div> <div class="lifestyle-category financial-planning fade-in"> - <div class="category-title"><i class="bi bi-piggy-bank-fill category-icon"></i> Financial Planning & Investments</div> + <div class="category-title"><i class="bi bi-piggy-bank category-icon"></i> Financial Planning & Investments</div> <div id="financialServices-content"></div> </div> </div> @@ -243,22 +311,26 @@ <script> let incomeBrackets = []; let lifestyleData = {}; +let costOfLivingFactors = []; +let currentCurrencySymbol = "$"; const slider = document.getElementById('incomeSlider'); const incomeDisplayEl = document.getElementById('incomeDisplay'); +const effectiveIncomeDisplayEl = document.getElementById('effectiveIncomeDisplay'); const incomeBracketLabelEl = document.getElementById('incomeBracketLabel'); const incomeBracketDescEl = document.getElementById('incomeBracketDescription'); const incomeBarSegmentEl = document.getElementById('incomeBarSegment'); +const colaSelectorEl = document.getElementById('colaSelector'); const bodyEl = document.body; -function formatIncome(income) { - if (income >= 1000000) return `$${(income / 1000000).toFixed(income % 1000000 === 0 ? 0 : 1)}M`; - if (income >= 1000) return `$${(income / 1000).toFixed(income % 1000 === 0 ? 0 : 0)}K`; - return `$${income.toLocaleString()}`; +function formatIncome(income, symbol = "$") { + if (income >= 1000000) return `${symbol}${(income / 1000000).toFixed(income % 1000000 === 0 ? 0 : (income < 10000000 ? 1 : 0))}M`; + if (income >= 1000) return `${symbol}${(income / 1000).toFixed(0)}K`; + return `${symbol}${income.toLocaleString()}`; } function updateDynamicBackground(bracketIndex) { - bodyEl.className = ''; + bodyEl.className = ''; // Clear existing theme classes if (bracketIndex <= 1) bodyEl.classList.add('theme-basic'); else if (bracketIndex <= 3) bodyEl.classList.add('theme-comfortable'); else if (bracketIndex <= 6) bodyEl.classList.add('theme-affluent'); @@ -273,61 +345,99 @@ function updateVisualIncomeBar(bracketIndex) { incomeBarSegmentEl.style.width = `${percentage}%`; } -function updateLifestyle(bracketIndex) { - if (!incomeBrackets || incomeBrackets.length === 0) { +function updateLifestyle() { + if (!incomeBrackets || incomeBrackets.length === 0 || !costOfLivingFactors || costOfLivingFactors.length === 0) { console.error("Data not loaded yet for updateLifestyle"); return; } - const bracket = incomeBrackets[bracketIndex]; - if (!bracket) { - console.error(`Bracket not found for index: ${bracketIndex}`); + const selectedBracketIndex = parseInt(slider.value); + const baseBracket = incomeBrackets[selectedBracketIndex]; + if (!baseBracket) { + console.error(`Base bracket not found for index: ${selectedBracketIndex}`); return; } - incomeDisplayEl.textContent = formatIncome(bracket.income); - incomeBracketLabelEl.textContent = bracket.label; - incomeBracketDescEl.textContent = bracket.description; + const selectedColaFactor = parseFloat(colaSelectorEl.options[colaSelectorEl.selectedIndex].dataset.factor); + currentCurrencySymbol = colaSelectorEl.options[colaSelectorEl.selectedIndex].dataset.currency; + + const effectiveIncome = baseBracket.income / selectedColaFactor; + + // Find the bracket that most closely matches the effective income for display purposes + // This doesn't change the core items tied to the slider's selectedBracketIndex, + // but it helps contextualize the COLA impact on the label. + // For item display, we still use selectedBracketIndex to show what that "base" income tier gets. + // The COLA is more for the user to mentally adjust. + + let displayBracket = baseBracket; // Default to base bracket + // To make COLA more impactful on item display, we can adjust selectedBracketIndex based on effectiveIncome. + // This is a more advanced change: find which bracket 'effectiveIncome' falls into. + let effectiveBracketIndex = selectedBracketIndex; + for(let i = 0; i < incomeBrackets.length; i++) { + if (effectiveIncome >= incomeBrackets[i].income) { + effectiveBracketIndex = i; // Keep updating until effectiveIncome is less than next bracket's income + } else if (i > 0 && effectiveIncome < incomeBrackets[i].income) { + // If effective income is less than current bracket, but was greater than previous, it's in the previous. + // However, if we want to be conservative, we can use 'i' if we want to show what a higher income would be like in a HCOL + // Or 'i-1' if we want to show what a lower income would be like. + // Let's stick to what the *base selected income* affords, and COLA is for user context. + // So, we *won't* change effectiveBracketIndex for item selection, just for display labels. + break; + } + } + displayBracket = incomeBrackets[effectiveBracketIndex]; + - updateDynamicBackground(bracketIndex); - updateVisualIncomeBar(bracketIndex); + incomeDisplayEl.textContent = formatIncome(baseBracket.income, currentCurrencySymbol); + if (selectedColaFactor !== 1.0) { + effectiveIncomeDisplayEl.textContent = `(Effectively ~${formatIncome(effectiveIncome, currentCurrencySymbol)} in selected city)`; + } else { + effectiveIncomeDisplayEl.textContent = ""; + } + incomeBracketLabelEl.textContent = baseBracket.label; // Label always based on slider + incomeBracketDescEl.textContent = baseBracket.description; // Description always based on slider + + updateDynamicBackground(selectedBracketIndex); + updateVisualIncomeBar(selectedBracketIndex); Object.keys(lifestyleData).forEach(category => { const categoryData = lifestyleData[category]; - const contentDiv = document.getElementById(`${category}-content`); + const contentDiv = document.getElementById(`${category.replace(/([A-Z])/g, '-$1').toLowerCase()}-content`); // Handles financialServices -> financial-services + if (!contentDiv) { - // console.warn(`Content div not found for category: ${category}-content`); // Optional: for debugging + // console.warn(`Content div not found for category: ${category}-content`); return; } let itemsToDisplay = []; + // Items are always based on the SLIDER's selected bracket, not the COLA-adjusted one. + // COLA is for user's mental model. for (let i = categoryData.length - 1; i >= 0; i--) { - if (bracketIndex >= categoryData[i].min) { + if (selectedBracketIndex >= categoryData[i].min) { itemsToDisplay = categoryData[i].items; break; } } - + const itemsHTML = itemsToDisplay.map((item, idx) => { - let badgeHTML = ''; - if (item.ultraLuxury) badgeHTML = `<span class="ultra-luxury-badge">👑 Ultra Lux</span>`; - else if (item.luxury) badgeHTML = `<span class="luxury-badge">💎 Lux</span>`; + let badgesHTML = ''; + if (item.badges && item.badges.length > 0) { + badgesHTML = `<div class="badges-container">${item.badges.map(badge => `<span class="badge-custom badge-${badge.toLowerCase()}">${badge.replace(/([A-Z])/g, ' $1').trim()}</span>`).join('')}</div>`; + } - let itemIconHTML = item.itemIcon ? `<i class="bi ${item.itemIcon} category-item-icon"></i>` : '<i class="bi bi-record-circle category-item-icon"></i>'; + let itemIconHTML = item.itemIcon ? `<i class="bi ${item.itemIcon} category-item-icon"></i>` : '<i class="bi bi-record-circle-fill category-item-icon"></i>'; let financialNoteHTML = item.financialNote ? `<div class="item-financial-note">${item.financialNote}</div>` : ''; + let budgetPercentHTML = item.budgetPercentRange ? `<span class="item-budget-percent"><i class="bi bi-pie-chart-fill"></i> Budget: ${item.budgetPercentRange}</span>` : ''; return ` <div class="category-item animate-item-entry" style="animation-delay: ${idx * 50}ms;"> ${itemIconHTML} <div class="item-content-wrapper"> - <div class="d-flex justify-content-between align-items-center"> - <div class="flex-grow-1 me-2"> - <div class="item-title">${item.title}</div> - <div class="item-description">${item.desc}</div> - ${financialNoteHTML} - </div> - ${badgeHTML} - </div> + <div class="item-title">${item.title}</div> + <div class="item-description">${item.desc}</div> + ${financialNoteHTML} + ${budgetPercentHTML} + ${badgesHTML} </div> </div> `; @@ -336,7 +446,19 @@ function updateLifestyle(bracketIndex) { }); } + function initializeApp() { + // Populate COLA Selector + costOfLivingFactors.forEach(factor => { + const option = document.createElement('option'); + option.value = factor.city; + option.textContent = factor.city; + option.dataset.factor = factor.factor; + option.dataset.currency = factor.currencySymbol; + colaSelectorEl.appendChild(option); + }); + + // Set --primary-color-rgb for dynamic shadow transparency const primaryColorHex = getComputedStyle(document.documentElement).getPropertyValue('--primary-color').trim(); if (/^#([A-Fa-f0-9]{3}){1,2}$/.test(primaryColorHex)) { let r = 0, g = 0, b = 0; @@ -352,9 +474,11 @@ function initializeApp() { document.documentElement.style.setProperty('--primary-color-rgb', `${r}, ${g}, ${b}`); } - updateLifestyle(parseInt(slider.value)); - slider.addEventListener('input', function() { updateLifestyle(parseInt(this.value)); }); + updateLifestyle(); // Initial load + slider.addEventListener('input', updateLifestyle); + colaSelectorEl.addEventListener('change', updateLifestyle); + // Initial fade-in for categories document.querySelectorAll('.lifestyle-category.fade-in').forEach((category, index) => { category.style.opacity = '0'; category.style.transform = 'translateY(20px)'; @@ -362,12 +486,12 @@ function initializeApp() { category.style.transition = 'opacity 0.5s ease-out, transform 0.5s ease-out'; category.style.opacity = '1'; category.style.transform = 'translateY(0)'; - }, index * 100 + 50); + }, index * 100 + 50); // Staggered animation }); } document.addEventListener('DOMContentLoaded', () => { - fetch('https://cheatsheets.davidveksler.com/lifetyle-calculator-data.json') + fetch('lifetyle-calculator-data.json') // Ensure this path is correct .then(response => { if (!response.ok) { throw new Error(`HTTP error! status: ${response.status}`); @@ -377,6 +501,11 @@ document.addEventListener('DOMContentLoaded', () => { .then(data => { incomeBrackets = data.incomeBrackets; lifestyleData = data.lifestyleData; + costOfLivingFactors = data.costOfLivingFactors; + + // Update slider max based on incomeBrackets length + slider.max = incomeBrackets.length - 1; + initializeApp(); }) .catch(error => { @@ -384,7 +513,7 @@ document.addEventListener('DOMContentLoaded', () => { const mainContainer = document.querySelector('.main-container'); if(mainContainer) { mainContainer.innerHTML = `<div class="alert alert-danger" role="alert"> - <strong>Error:</strong> Could not load lifestyle data. Please check the console or try again later. + <strong>Error:</strong> Could not load lifestyle data. Please check the console or ensure 'lifetyle-calculator-data.json' is accessible at the correct path and is valid JSON. </div>`; } }); --- a/lifetyle-calculator-data.json +++ b/lifetyle-calculator-data.json @@ -1,196 +1,212 @@ { "incomeBrackets": [ - { "income": 20000, "label": "Working Poor", "description": "It's a grind. Every dollar is stretched. Instant noodles are practically a currency." }, - { "income": 30000, "label": "Low Income", "description": "Budgeting is an art form. A night out for pizza is a rare, celebrated event." }, - { "income": 50000, "label": "Lower Middle Class", "description": "Essentials are covered, maybe a concert ticket. Saving is tough but not impossible." }, - { "income": 75000, "label": "Middle Class", "description": "Comfortable, but mindful of spending. Starting to build that nest egg and a 401k." }, - { "income": 100000, "label": "Upper Middle Class", "description": "Life's pretty good! More treats, less stress. Investments are growing." }, - { "income": 150000, "label": "Affluent", "description": "Enjoying the finer things. Weekend getaways and nice dinners are regular occurrences." }, - { "income": 200000, "label": "High Income", "description": "Luxury choices become normal. Shopping at upscale department stores without wincing!" }, - { "income": 300000, "label": "Wealthy", "description": "Premium experiences are the standard. Your financial advisor is a good friend." }, - { "income": 500000, "label": "Very Wealthy", "description": "Elite living. 'Fly commercial or private?' is a genuine dilemma." }, - { "income": 750000, "label": "Ultra High Net Worth", "description": "Exclusive access. Your hobbies sound like movie plots." }, - { "income": 1000000, "label": "Millionaire", "description": "Congrats, you made it! Now, the fun part: smart allocation and enjoying the fruits." }, - { "income": 2000000, "label": "Multi-Millionaire", "description": "Private jet for a quick European city break? Sure, why not." }, - { "income": 5000000, "label": "Ultra Wealthy", "description": "The world is your playground. You might own the company that makes the playground equipment." }, - { "income": 10000000, "label": "Ultra Elite", "description": "Your biggest worry? Which continent for the summer. Philanthropy becomes a significant focus." }, - { "income": 25000000, "label": "Billionaire Class", "description": "Price tags are suggestions. Next stop: influencing global change (or funding space exploration)." } + { "income": 20000, "label": "Working Poor", "description": "It's a grind. Every dollar is stretched. Focus on essentials for the family." }, + { "income": 30000, "label": "Low Income", "description": "Budgeting is an art form. A family night out for pizza is a rare, celebrated event." }, + { "income": 50000, "label": "Lower Middle Class", "description": "Essentials are covered, maybe some family activities. Saving is tough but not impossible." }, + { "income": 75000, "label": "Middle Class", "description": "Comfortable family life, but mindful of spending. Building a nest egg and a 401k." }, + { "income": 100000, "label": "Upper Middle Class", "description": "Family life's pretty good! More treats, less stress. Investments are growing." }, + { "income": 150000, "label": "Affluent", "description": "Enjoying finer things with the family. Weekend getaways and nice dinners are regular." }, + { "income": 200000, "label": "High Income", "description": "Luxury choices become more accessible for the family. Quality of life upgrades." }, + { "income": 300000, "label": "Wealthy", "description": "Premium experiences are standard. Financial advisor helps manage family wealth." }, + { "income": 500000, "label": "Very Wealthy", "description": "Elite living for the family. Significant choices in education and travel." }, + { "income": 750000, "label": "Ultra High Net Worth", "description": "Exclusive access and bespoke services. Family hobbies can be extravagant." }, + { "income": 1000000, "label": "Millionaire", "description": "Congrats, you made it! Smart allocation and enjoying the fruits with your family." }, + { "income": 2000000, "label": "Multi-Millionaire", "description": "Significant financial freedom. Global travel and investment opportunities for the family." }, + { "income": 5000000, "label": "Ultra Wealthy", "description": "The world is your family's playground. Legacy planning and philanthropy." }, + { "income": 10000000, "label": "Ultra Elite", "description": "Your family's biggest worry? Which continent for the summer. Influencing broader causes." }, + { "income": 25000000, "label": "Billionaire Class", "description": "Price tags are suggestions. Next stop: shaping global change or funding major family endeavors." } + ], + "costOfLivingFactors": [ + { "city": "Select City (Average US baseline)", "factor": 1.0, "currencySymbol": "$" }, + { "city": "New York City, USA", "factor": 1.25, "currencySymbol": "$" }, + { "city": "San Francisco, USA", "factor": 1.30, "currencySymbol": "$" }, + { "city": "Los Angeles, USA", "factor": 1.15, "currencySymbol": "$" }, + { "city": "Chicago, USA", "factor": 1.05, "currencySymbol": "$" }, + { "city": "London, UK", "factor": 1.20, "currencySymbol": "£" }, + { "city": "Paris, FR", "factor": 1.15, "currencySymbol": "€" }, + { "city": "Tokyo, JP", "factor": 1.10, "currencySymbol": "¥" }, + { "city": "Sydney, AU", "factor": 1.10, "currencySymbol": "A$" }, + { "city": "Toronto, CA", "factor": 1.05, "currencySymbol": "C$" }, + { "city": "Berlin, DE", "factor": 0.90, "currencySymbol": "€" }, + { "city": "Mexico City, MX", "factor": 0.70, "currencySymbol": "$" }, + { "city": "Bangalore, IN", "factor": 0.60, "currencySymbol": "₹" }, + { "city": "Rural Area (Generic)", "factor": 0.85, "currencySymbol": "$" } ], "lifestyleData": { "dining": [ { "min": 0, "items": [ - { "title": "Home Cook Hero (by necessity!)", "desc": "Pasta, rice, beans are staples. Supermarket generic brands are gold. A rare splurge: a $5 pizza from Little Caesars or Domino's, or a local takeaway.", "itemIcon": "bi-cart4", "financialNote": "Food budget is extremely tight." }, - { "title": "Grocery Ninja", "desc": "$150-200/month (or local equivalent). Couponing isn't just a hobby, it's a survival skill. Eating out is a distant dream.", "itemIcon": "bi-scissors", "financialNote": "Focus on maximizing every dollar for essentials." } + { "title": "Home Cooking on a Budget", "desc": "Staples like pasta, rice, beans. Focus on supermarket private labels (e.g., Kroger Value, Tesco Everyday Value). A rare treat: $5 pizza (Little Caesars, Domino's) or local takeaway.", "itemIcon": "bi-basket2-fill", "financialNote": "Food budget is extremely tight, maximizing nutrition per dollar.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "70-80% of food spending" }, + { "title": "Strategic Grocery Shopping", "desc": "Around $200-300/month per adult. Master of coupons and sales. Aldi, Lidl, or Walmart Supercenters are key. Eating out is very rare.", "itemIcon": "bi-receipt-cutoff", "financialNote": "Focus on maximizing every dollar for essentials. Minimal discretionary food spending.", "badges": ["budgetSmart"], "budgetPercentRange": "20-30% of food spending"} ]}, { "min": 2, "items": [ - { "title": "Casual Eats & Local Diners", "desc": "Hitting up a local diner or a casual chain like Applebee's, Chili's (North America), or Nando's (UK/International) a few times a month. You know the happy hour specials.", "itemIcon": "bi-cup-straw", "financialNote": "Dining out is a budgeted treat."}, - { "title": "Smart Grocery Runs", "desc": "$400/month (or local equivalent) at large supermarket chains (e.g., Kroger, Tesco, Carrefour, Woolworths). Maybe some organic produce if it's on sale.", "itemIcon": "bi-basket3-fill", "financialNote": "Groceries are a significant, planned expense."} + { "title": "Occasional Casual Family Meals", "desc": "Local diners or casual chains like Applebee's, Chili's (USA), Harvester (UK), or Nando's (Global) once or twice a month. Aware of happy hour or family meal deals.", "itemIcon": "bi-cup-hot-fill", "financialNote": "Dining out is a budgeted treat. Still primarily home-cooking.", "badges": ["milestone"], "budgetPercentRange": "10-15% of food budget" }, + { "title": "Mid-Range Grocery Hauls", "desc": "$400-500/month per adult at chains like Kroger, Safeway (USA), Tesco, Sainsbury's (UK), Carrefour (EU), Woolworths (AU). Occasional organic produce if on sale.", "itemIcon": "bi-cart3", "financialNote": "Groceries are a significant, planned expense. Balancing quality and cost.", "badges": ["essential"], "budgetPercentRange": "85-90% of food budget" } ]}, { "min": 4, "items": [ - { "title": "Foodie Adventures", "desc": "Weekly dinners at popular local restaurants or trendy food halls. Craft beers at a local microbrewery. Exploring different cuisines.", "itemIcon": "bi-emoji-sunglasses-fill"}, - { "title": "Premium Pantry Stocking", "desc": "$600+/month (or local equivalent). Regular trips to Whole Foods Market, Marks & Spencer Foodhall, Waitrose, or local organic markets. You invest in the good olive oil and artisanal bread.", "itemIcon": "bi-shop" } + { "title": "Regular Foodie Exploration", "desc": "Weekly family dinners at popular local restaurants, food halls, or trying diverse cuisines (e.g., Thai, Mexican, Italian). Maybe craft beers at a local spot for adults.", "itemIcon": "bi-emoji-sunglasses", "financialNote": "Dining out is a regular part of the lifestyle.", "badges": [], "budgetPercentRange": "20-30% of food budget"}, + { "title": "Premium Pantry & Organic Focus", "desc": "$600-800+/month per adult. Regular shopping at Whole Foods, Trader Joe's (USA), Marks & Spencer Foodhall, Waitrose (UK), or local organic markets. Investing in better quality ingredients like artisanal bread, good olive oil.", "itemIcon": "bi-shop-window", "financialNote": "Prioritizing quality and specialty ingredients in home cooking.", "badges": ["premium"], "budgetPercentRange": "70-80% of food budget" } ]}, { "min": 7, "items": [ - { "title": "Fine Dining Connoisseur", "desc": "Regular reservations at Michelin-starred or equivalent top-rated local restaurants (e.g., those listed in World's 50 Best). Wine pairings are non-negotiable.", "itemIcon": "bi-award", "luxury": true}, - { "title": "Gourmet Home Experience", "desc": "$1500+/month on food & wine. Shopping at specialty food stores (e.g., Eataly, Dean & DeLuca style gourmet shops, local fromageries and butchers). Perhaps a high-end La Cornue, Wolf, or Gaggenau range.", "itemIcon": "bi-gem", "luxury": true} + { "title": "Fine Dining Experiences", "desc": "Monthly reservations at acclaimed local restaurants, possibly with tasting menus. Exploring restaurants noted in Michelin Guide or similar (e.g., World's 50 Best). Wine pairings are a considered choice.", "itemIcon": "bi-award-fill", "financialNote": "High-quality dining is a significant leisure expense.", "badges": ["premium", "aspirational"], "budgetPercentRange": "30-40% of food budget"}, + { "title": "Gourmet Home Chef Setup", "desc": "$1500+/month on food & wine. Sourcing from specialty butchers, fishmongers, and gourmet stores (e.g., Eataly, Dean & DeLuca style). High-end kitchen appliances from brands like Wolf, Viking, or Miele may be present.", "itemIcon": "bi-gem", "financialNote": "Home cooking is elevated to a gourmet hobby. Top-tier ingredients and equipment.", "badges": ["premium"], "budgetPercentRange": "60-70% of food budget"} ]}, { "min": 10, "items": [ - { "title": "Private Chef & Exclusive Tables", "desc": "Personal chef for special occasions or weekly meal prep. Access to private dining rooms at globally renowned establishments like Noma (Copenhagen), The French Laundry (Yountville), Osteria Francescana (Modena).", "itemIcon": "bi-person-badge", "ultraLuxury": true}, - { "title": "Curated Wine Cellar", "desc": "Investing in rare and fine wines (e.g., Bordeaux First Growths, Grand Cru Burgundy, cult Napa Cabernets like Screaming Eagle), possibly with a consultant from Sotheby's or Christie's. Trips to Napa, Tuscany, or Bordeaux for 'research' and vineyard tours.", "itemIcon": "bi-slack", "ultraLuxury": true} + { "title": "Private Chef & Exclusive Reservations", "desc": "Personal chef for special family occasions or regular meal prep. Securing tables at globally renowned, often hard-to-book establishments (e.g., Noma, The French Laundry, Osteria Francescana).", "itemIcon": "bi-person-hearts", "financialNote": "Ultimate convenience and exclusivity in dining.", "badges": ["ultraPremium"], "budgetPercentRange": "Varies widely"}, + { "title": "Curated Wine Cellar & Sommelier Access", "desc": "Building and maintaining a wine cellar with investment-grade wines (e.g., Bordeaux First Growths, Grand Cru Burgundy, cult Napa Cabernets like Screaming Eagle). Potentially engaging a wine consultant or sommelier for acquisitions and cellar management. Wine tourism to renowned regions.", "itemIcon": "bi-alexa", "financialNote": "Wine as a serious hobby and asset class.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely"} ]} ], "housing": [ { "min": 0, "items": [ - { "title": "Roommate Shuffle", "desc": "Renting a room in an older building in a less central part of town, or a shared flat. Fingers crossed for compatible roommates!", "itemIcon": "bi-person-plus-fill", "financialNote": "Rent consumes a large portion of income." }, - { "title": "Furniture Finds", "desc": "Mostly thrift store treasures, Facebook Marketplace finds, or generous hand-me-downs. You're a DIY wizard with YouTube tutorials.", "itemIcon": "bi-magic", "financialNote": "Furnishing relies on resourcefulness, not budget." } + { "title": "Renting in Less Central Areas / Shared Living", "desc": "Renting a smaller apartment or sharing a house in an older building, often further from city centers or amenities. Basic, functional furniture, often second-hand or self-assembled (e.g., basic IKEA, Walmart).", "itemIcon": "bi-building-lock", "financialNote": "Rent/housing is the largest expense, often >40-50% of income. Focus on safety and affordability.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "40-60% of income" }, + { "title": "DIY Furnishings & Repairs", "desc": "Furniture from thrift stores, Facebook Marketplace, or hand-me-downs. YouTube tutorials for basic home repairs are essential.", "itemIcon": "bi-tools", "financialNote": "Furnishing and upkeep rely on resourcefulness, minimal budget.", "badges": ["budgetSmart"]} ]}, { "min": 2, "items": [ - { "title": "Your Own Cozy Corner", "desc": "Studio or 1BR apartment in a decent, accessible neighborhood. Small, but all yours!", "itemIcon": "bi-key-fill", "financialNote": "Rent is a primary, manageable expense." }, - { "title": "IKEA & Target Style", "desc": "Assembling flat-pack furniture is a rite of passage. That IKEA KALLAX shelf or BILLY bookcase is a global icon for a reason. Maybe some affordable pieces from Target, Kmart, or Wayfair.", "itemIcon": "bi-box-seam" } + { "title": "Modest Apartment or Small Starter Home", "desc": "Renting a 1-2BR apartment in a decent neighborhood or owning a small starter home/condo (if LCOL area or with significant down payment help). Basic but functional amenities.", "itemIcon": "bi-house-check-fill", "financialNote": "Housing is a primary, manageable expense, typically 30-40% of income.", "badges": ["essential", "milestone"], "budgetPercentRange": "30-40% of income" }, + { "title": "Practical Furniture (IKEA, Wayfair)", "desc": "Furnishing with new, budget-friendly items from IKEA, Target, Wayfair, or similar. Assembling flat-pack furniture is common.", "itemIcon": "bi-box-seam-fill", "financialNote": "Furnishing on a budget, prioritizing functionality and clean aesthetics.", "badges": []} ]}, { "min": 4, "items": [ - { "title": "Homeownership Horizons", "desc": "Eyeing a modest starter home, apartment, or townhome in a family-friendly suburb or an up-and-coming city neighborhood.", "itemIcon": "bi-house-add-fill", "financialNote": "Managing mortgage, property taxes, and HOA fees." }, - { "title": "Mid-Range Furniture Upgrade", "desc": "Upgrading furniture. Maybe a brand-new couch from a mid-range store like West Elm, CB2, Pottery Barn, John Lewis, or Habitat. Investing in better quality mattresses and linens.", "itemIcon": "bi-display" } + { "title": "Comfortable Home Ownership / Quality Rental", "desc": "Owning a modest single-family home, larger apartment/townhome in a good school district or desirable neighborhood. Or, renting a modern apartment with some amenities.", "itemIcon": "bi-house-heart-fill", "financialNote": "Managing mortgage, property taxes, HOA fees, or higher rental costs. Typically 25-35% of income.", "badges": ["milestone", "aspirational"], "budgetPercentRange": "25-35% of income" }, + { "title": "Mid-Range Furniture & Decor", "desc": "Upgrading to better quality furniture from stores like West Elm, CB2, Pottery Barn, John Lewis (UK), or Article. Investing in better mattresses, linens, and some decor items.", "itemIcon": "bi-display-fill", "financialNote": "Creating a more personalized and comfortable home environment.", "badges": ["premium"]} ]}, { "min": 7, "items": [ - { "title": "Luxury Living", "desc": "A spacious, well-appointed home in a desirable neighborhood, or a luxury condo/apartment with amenities (gym, pool, concierge) in the city center. Heated bathroom floors, smart home features.", "itemIcon": "bi-house-heart-fill", "luxury": true, "financialNote": "Property is a significant asset." }, - { "title": "Designer Touches & Renovations", "desc": "Working with an interior designer. Custom cabinetry from brands like Poggenpohl, Smallbone, or Boffi. Investing in original art. Dream kitchen with Sub-Zero, Wolf, or Miele appliances.", "itemIcon": "bi-palette2", "luxury": true} + { "title": "Luxury Home or Upscale Apartment", "desc": "Spacious, well-appointed home in a prime neighborhood, or a luxury condo/apartment with premium amenities (gym, pool, concierge, security) in the city center. Smart home features, high-end finishes.", "itemIcon": "bi-house-up-fill", "financialNote": "Property is a significant asset and reflection of status. Housing costs may be <25% due to higher income, or higher for prime locations.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "20-30% of income (can vary)" }, + { "title": "Interior Design & High-End Renovations", "desc": "Working with an interior designer for renovations or decor. Custom cabinetry (Poggenpohl, Smallbone), professional-grade appliances (Sub-Zero, Wolf, Gaggenau), and investing in original art or high-quality prints.", "itemIcon": "bi-palette-fill", "financialNote": "Significant investment in creating a bespoke living space.", "badges": ["premium", "aspirational"]} ]}, { "min": 10, "items": [ - { "title": "Multiple Luxury Properties", "desc": "Primary residence in an exclusive enclave. A ski chalet, a beach house, perhaps a country estate or a city pied-à -terre. These properties are often in different countries.", "itemIcon": "bi-houses-fill", "ultraLuxury": true, "financialNote": "Managing a portfolio of international properties." }, - { "title": "Custom Architecture & Staff", "desc": "Commissioning a renowned architect for a bespoke home. Full-time household staff including a house manager, private chef, nannies, housekeepers, and security detail.", "itemIcon": "bi-people-fill", "ultraLuxury": true} + { "title": "Multiple Luxury Properties", "desc": "Primary residence in an exclusive enclave (e.g., Beverly Hills, The Hamptons, Kensington). Additional properties such as a ski chalet (Aspen, St. Moritz), beach house (Malibu, Cote d'Azur), country estate, or city pied-à -terre in global capitals.", "itemIcon": "bi-buildings-fill", "financialNote": "Managing a portfolio of international properties with significant upkeep and staffing.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies (asset management)" }, + { "title": "Custom Architecture & Full Household Staff", "desc": "Commissioning renowned architects (e.g., Zaha Hadid Architects, Snøhetta) for a bespoke home. Employing full-time household staff: house manager, private chef, nannies, housekeepers, groundskeepers, security detail.", "itemIcon": "bi-people-fill", "financialNote": "Operating a large estate with professional management.", "badges": ["ultraPremium"]} ]} ], "transportation": [ { "min": 0, "items": [ - { "title": "Public Transit Pro", "desc": "You've mastered the local bus, subway/tram, or train system. Walking and a trusty (if rusty) bike are your companions.", "itemIcon": "bi-bus-front-fill", "financialNote": "Transportation costs are minimized." }, - { "title": "The 'Character' Car", "desc": "If you own a car, it's an older, high-mileage model. Gas/petrol, insurance, and unexpected repairs are major budget concerns.", "itemIcon": "bi-cone", "financialNote": "Car ownership is a significant, unpredictable expense." } + { "title": "Public Transit & Walking/Cycling", "desc": "Reliant on local bus, subway/tram, or train systems. Walking and a basic bicycle are primary modes for local travel.", "itemIcon": "bi-bus-front", "financialNote": "Transportation costs minimized, focused on fares or basic bike maintenance.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "5-10% of income"}, + { "title": "Older, High-Mileage Car (If Owned)", "desc": "If a car is necessary, it's likely an older (>10 years), high-mileage model. Gas, insurance, and unexpected repairs (e.g., for a Ford Focus, Honda Civic from early 2000s) are major budget concerns.", "itemIcon": "bi-car-front-fill", "financialNote": "Car ownership is a significant, often unpredictable expense.", "badges": ["essential"], "budgetPercentRange": "15-25% of income (if owned)"} ]}, { "min": 2, "items": [ - { "title": "Reliable Used Wheels", "desc": "A dependable used Honda Civic, Toyota Corolla, VW Golf/Polo. Focus on fuel efficiency and reliability.", "itemIcon": "bi-car-front", "financialNote": "Car payments or savings are budgeted." }, - { "title": "Ride-Share Regular", "desc": "Using Uber/Lyft/Bolt/Grab for nights out, airport runs, or after a few drinks.", "itemIcon": "bi-phone-fill" } + { "title": "Dependable Used Car", "desc": "Owning a reliable used car (e.g., 5-8 year old Toyota Corolla, Honda CR-V, VW Golf). Focus on fuel efficiency and lower maintenance costs. Car payments or savings for replacement are budgeted.", "itemIcon": "bi-car-front", "financialNote": "Car is a tool for commuting and family needs.", "badges": ["milestone"], "budgetPercentRange": "10-15% of income"}, + { "title": "Occasional Ride-Sharing", "desc": "Using Uber/Lyft/Bolt/Grab for specific needs like airport trips, nights out, or when public transit isn't viable.", "itemIcon": "bi-phone-vibrate-fill", "financialNote": "Ride-sharing as a supplement, not primary transport.", "badges": ["convenience"]} ]}, { "min": 4, "items": [ - { "title": "That New(ish) Car Scent", "desc": "A new, practical car like a Subaru Outback/Forester, Honda CR-V, Toyota RAV4, Mazda CX-5, VW Tiguan, or Nissan Qashqai. Maybe an entry-level EV.", "itemIcon": "bi-stars", "financialNote": "Managing a car loan effectively." }, - { "title": "Worry-Free Maintenance", "desc": "Regular dealer services, comprehensive insurance. That check engine light causes less panic. Perhaps an extended warranty.", "itemIcon": "bi-shield-lock-fill" } + { "title": "New(er) Practical Car or Entry EV", "desc": "A new or certified pre-owned practical family car (e.g., Subaru Outback, Toyota RAV4, Honda CR-V, Kia Telluride, VW Tiguan). Possibly an entry-level EV like a Nissan Leaf or Chevy Bolt if incentives/charging are favorable.", "itemIcon": "bi-ev-front-fill", "financialNote": "Managing a car loan and comprehensive insurance. Focus on safety and modern features.", "badges": ["milestone", "premium"], "budgetPercentRange": "10-15% of income"}, + { "title": "Worry-Free Maintenance & Insurance", "desc": "Regular dealer servicing for newer car, comprehensive insurance coverage. Less panic over check engine lights; possibly extended warranties.", "itemIcon": "bi-shield-check", "financialNote": "Predictable car ownership costs.", "badges": []} ]}, { "min": 7, "items": [ - { "title": "Luxury Commuting", "desc": "Driving a Tesla Model Y/S/3 Performance, BMW X5/5 Series, Audi Q7/A6, Mercedes-Benz GLE/E-Class, Range Rover Sport, or a Porsche Macan/Cayenne.", "itemIcon": "bi-speedometer", "luxury": true, "financialNote": "Depreciation is factored into net worth." }, - { "title": "The Two-Car (or more) Household", "desc": "A practical luxury daily driver plus a 'fun' weekend car – perhaps a Porsche Boxster/Cayman, a Ford Mustang GT, or a classic sports car.", "itemIcon": "bi-ev-station-fill", "luxury": true} + { "title": "Luxury Daily Driver", "desc": "Driving a new or recent model luxury SUV or sedan (e.g., Tesla Model Y/S, BMW X5/5 Series, Audi Q7/A6, Mercedes-Benz GLE/E-Class, Range Rover Evoque, Porsche Macan).", "itemIcon": "bi-speedometer2", "financialNote": "Comfort, performance, and brand prestige are important. Depreciation is a known factor.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "Varies, potentially <10% of income"}, + { "title": "Two-Car Household (Practical + Fun)", "desc": "A luxury daily driver plus a second vehicle, which might be another practical car for a spouse, or a 'fun' weekend car (e.g., Mazda MX-5, Ford Mustang, used Porsche Boxster).", "itemIcon": "bi-lightning-charge-fill", "financialNote": "Multiple vehicles for different family needs or hobbies.", "badges": ["premium"]} ]}, { "min": 10, "items": [ - { "title": "Exotic Car Collection", "desc": "Ferraris, Lamborghinis, McLarens. Maybe a bespoke Rolls-Royce or Bentley. Climate-controlled garage is a must.", "itemIcon": "bi-trophy-fill", "ultraLuxury": true, "financialNote": "Cars may be passion assets or collectibles." }, - { "title": "Private Driver / Chauffeur", "desc": "Full-time chauffeur for daily transport in a luxury sedan or SUV. Never worry about parking or traffic again.", "itemIcon": "bi-person-vcard", "ultraLuxury": true} + { "title": "Exotic & Collector Cars", "desc": "Owning high-performance sports cars (Ferrari, Lamborghini, McLaren), ultra-luxury sedans/SUVs (Rolls-Royce, Bentley), or a collection of classic/rare automobiles. Climate-controlled garage is standard.", "itemIcon": "bi-trophy-fill", "financialNote": "Cars as passion assets, investments, or status symbols.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies (asset/hobby)"}, + { "title": "Private Driver / Chauffeur Service", "desc": "Employing a full-time chauffeur for daily transport in a luxury vehicle (e.g., Mercedes S-Class, Range Rover Autobiography). Alternatively, heavy use of high-end black car services.", "itemIcon": "bi-person-vcard-fill", "financialNote": "Ultimate convenience and time-saving for transportation.", "badges": ["ultraPremium", "convenience"]} ]} ], - "travel": [ + "travel": [ { "min": 0, "items": [ - { "title": "Staycation Pro", "desc": "Exploring local parks, free museum days, and nearby nature trails. Camping in state/national parks or local campsites is the annual big adventure.", "itemIcon": "bi-geo-alt-fill", "financialNote": "Travel budget is virtually non-existent." }, - { "title": "Roadtrip Co-Pilot", "desc": "Chipping in for gas/petrol if a friend with a car is heading to a nearby city, beach, or natural attraction. You bring the snacks and make the playlist!", "itemIcon": "bi-pin-map-fill" } + { "title": "Staycations & Local Outings", "desc": "Exploring local parks, free museum days, community events. Annual family camping trip at a state/national park or local campsite using budget gear (e.g., Ozark Trail, Coleman).", "itemIcon": "bi-signpost-split-fill", "financialNote": "Travel budget is minimal to non-existent. Focus on free/low-cost local activities.", "badges": ["budgetSmart"], "budgetPercentRange": "<2% of income"}, + { "title": "Road Trip Contributions", "desc": "Chipping in for gas/petrol if a friend or relative with a car is planning a trip to a nearby city, beach, or attraction. Bringing shared snacks.", "itemIcon": "bi-pin-map-fill", "financialNote": "Opportunistic travel.", "badges": []} ]}, { "min": 2, "items": [ - { "title": "Budget Domestic Explorer", "desc": "Annual flight on a budget airline like Spirit, Ryanair, EasyJet, or Southwest. Weekend trips to nearby cities. Staying in budget hotels or well-rated hostels.", "itemIcon": "bi-airplane-engines-fill", "financialNote": "Travel is carefully budgeted and saved for." }, - { "title": "Regional Escapes", "desc": "Driving to nearby attractions, national parks, or smaller cities for a weekend. Camping is still a favorite and cost-effective option, maybe upgrading to a cabin rental.", "itemIcon": "bi-image-alt" } + { "title": "Budget Domestic Trips", "desc": "Annual family vacation via driving or budget airlines (e.g., Spirit, Ryanair, EasyJet, Southwest). Staying in budget hotels (e.g., Holiday Inn Express, Premier Inn), motels, or basic Airbnb/VRBO rentals.", "itemIcon": "bi-airplane-fill", "financialNote": "Travel is carefully planned and saved for. Focus on affordability.", "badges": ["milestone"], "budgetPercentRange": "3-5% of income"}, + { "title": "Regional Exploration", "desc": "Weekend trips to nearby cities, national parks, or attractions. Camping with better gear, or renting a cabin.", "itemIcon": "bi-map-fill", "financialNote": "Exploring accessible destinations.", "badges": []} ]}, { "min": 4, "items": [ - { "title": "International Adventures Begin", "desc": "First trips to popular international destinations like Mexico, Canada, or a well-planned week in a major European city, likely staying in Airbnbs, boutique hotels, or mid-range hotels.", "itemIcon": "bi-globe-americas", "financialNote": "Travel is a regular, planned expense." }, - { "title": "Comfortable Domestic Travel", "desc": "Flying major airlines, staying in reputable mid-tier hotels like Hilton, Marriott. Maybe a ski trip, a beach vacation, or exploring national parks in more comfort.", "itemIcon": "bi-suitcase-lg-fill" } + { "title": "Introductory International Travel / Theme Parks", "desc": "First family trips to popular international destinations (e.g., all-inclusive resort in Mexico/Caribbean, a week in a major European city like London or Paris, or a trip to Disney/Universal). Staying in mid-range hotels or well-reviewed Airbnbs.", "itemIcon": "bi-globe-americas", "financialNote": "Travel is a regular, planned expense. Creating family memories.", "badges": ["aspirational", "milestone"], "budgetPercentRange": "5-8% of income"}, + { "title": "Comfortable Domestic Travel", "desc": "Flying major airlines (e.g., Delta, British Airways, Qantas) for domestic trips. Staying in reputable mid-tier hotels (e.g., Hilton, Marriott, Hyatt Place). Activities like ski trips, beach vacations, or exploring national parks with more comfort.", "itemIcon": "bi-suitcase2-fill", "financialNote": "Prioritizing convenience and comfort in travel.", "badges": []} ]}, { "min": 7, "items": [ - { "title": "Business Class & Luxury Resorts", "desc": "Flying business class internationally (e.g., Emirates, Singapore Airlines). Staying at 5-star resorts and hotels (e.g., Four Seasons, St. Regis, Aman). Maybe a luxury cruise line.", "itemIcon": "bi-passport-fill", "luxury": true}, - { "title": "Adventure & Experiential Travel", "desc": "Safaris in Africa (e.g. Singita, &Beyond lodges), exploring Patagonia, cultural immersion in Japan, diving in Galapagos. Unique, curated experiences are prioritized.", "itemIcon": "bi-compass-fill", "luxury": true} + { "title": "Business Class Travel & Luxury Resorts", "desc": "Flying business class for long-haul international flights (e.g., Emirates, Singapore Airlines, Cathay Pacific). Staying at 5-star resorts and hotels (e.g., Four Seasons, St. Regis, Ritz-Carlton, Aman Resorts). Considering luxury cruises (e.g., Seabourn, Silversea).", "itemIcon": "bi-passport-fill", "financialNote": "Travel is a significant leisure investment, focused on premium experiences.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "8-15% of income"}, + { "title": "Experiential & Adventure Travel", "desc": "Tailored family adventures: African safaris (e.g., Singita, &Beyond lodges), exploring Patagonia, cultural immersion in Japan, diving in the Galapagos, bespoke tours. Unique, curated experiences are prioritized.", "itemIcon": "bi-compass-fill", "financialNote": "Seeking unique and enriching travel experiences.", "badges": ["premium", "aspirational"]} ]}, { "min": 10, "items": [ - { "title": "First Class & Private Aviation", "desc": "Flying first class suites (e.g., Etihad The Residence). Fractional ownership of a private jet (NetJets, Flexjet) or chartering (e.g. Gulfstream G650).", "itemIcon": "bi-send-check-fill", "ultraLuxury": true}, - { "title": "World-Circling Itineraries & Unique Stays", "desc": "Extended trips to multiple continents, perhaps on a private jet world tour. Owning multiple vacation homes. Private yacht charters (Lurssen, Feadship).", "itemIcon": "bi-globe-europe-africa", "ultraLuxury": true} + { "title": "First Class Suites & Private Aviation", "desc": "Flying first-class suites (e.g., Etihad The Residence, Singapore Suites). Fractional ownership or chartering private jets (e.g., NetJets, Flexjet, VistaJet) for family travel.", "itemIcon": "bi-airplane-engines-fill", "financialNote": "Ultimate luxury, privacy, and convenience in travel.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely (significant)"}, + { "title": "Global Itineraries & Exclusive Access", "desc": "Extended, multi-continent family trips, possibly on a private jet world tour. Owning multiple vacation homes in desirable global locations. Chartering superyachts (e.g., from builders like Lürssen, Feadship) for private holidays.", "itemIcon": "bi-globe-europe-africa", "financialNote": "Travel is seamlessly integrated into an international lifestyle.", "badges": ["ultraPremium"]} ]} ], "entertainment": [ { "min": 0, "items": [ - { "title": "Free Fun Seeker", "desc": "Public library, free local concerts, hiking. Streaming via 'borrowed' accounts or ad-supported tiers (Spotify Free, YouTube).", "itemIcon": "bi-headphones", "financialNote": "Entertainment limited to free options." }, - { "title": "DIY Entertainment", "desc": "Drawing, writing, learning from YouTube. Board games with friends. Imagination is key.", "itemIcon": "bi-brush-fill" } + { "title": "Free & Low-Cost Fun", "desc": "Utilizing public libraries (books, DVDs, programs), free local concerts/events, hiking. Streaming via ad-supported tiers (Spotify Free, YouTube, Peacock Free) or shared family accounts.", "itemIcon": "bi-headphones", "financialNote": "Entertainment relies on free or very low-cost community resources.", "badges": ["budgetSmart"], "budgetPercentRange": "<5% of leisure budget"}, + { "title": "DIY & Community Hobbies", "desc": "Drawing, writing, learning from free online resources. Board games or card games with friends and family. Community sports leagues.", "itemIcon": "bi-brush", "financialNote": "Creativity and social connection over monetary spend.", "badges": ["budgetSmart"]} ]}, { "min": 2, "items": [ - { "title": "Local Gigs & Movies", "desc": "Catching a local band, movies at matinee prices. A couple of basic streaming services (Netflix basic).", "itemIcon": "bi-ticket-detailed-fill", "financialNote": "Small, planned entertainment expenses." }, - { "title": "Social Outings", "desc": "Meeting friends for happy hour. Bowling, local amateur sports, trivia nights.", "itemIcon": "bi-megaphone-fill" } + { "title": "Local Events & Streaming Subscriptions", "desc": "Catching a movie at matinee prices, attending local fairs or high school sports. Subscribing to 1-2 basic streaming services (e.g., Netflix Standard with Ads, Disney+ Basic).", "itemIcon": "bi-ticket-fill", "financialNote": "Small, planned entertainment expenses. Balancing cost and enjoyment.", "badges": [], "budgetPercentRange": "5-10% of leisure budget"}, + { "title": "Family Social Outings", "desc": "Bowling, mini-golf, local amateur theater. Potluck dinners with friends.", "itemIcon": "bi-people-fill", "financialNote": "Affordable social activities.", "badges": []} ]}, { "min": 4, "items": [ - { "title": "Major Concerts & Sporting Events", "desc": "Tickets to see major artists (Taylor Swift, Coldplay) or pro sports. Maybe a local ski pass.", "itemIcon": "bi-boombox-fill"}, - { "title": "Quality Home Entertainment", "desc": "Good 4K TV (LG OLED), sound system (Sonos), new gaming console (PS5/Xbox). Multiple streaming subscriptions (Netflix Premium, HBO Max).", "itemIcon": "bi-controller" } + { "title": "Major Concerts & Live Sports", "desc": "Attending concerts of popular artists (e.g., Taylor Swift, Ed Sheeran - if lucky with tickets!) or professional sporting events (e.g., MLB, NBA, Premier League) a few times a year. Maybe a local ski pass or theme park annual pass.", "itemIcon": "bi-boombox-fill", "financialNote": "Budgeting for higher-cost entertainment experiences.", "badges": ["milestone"], "budgetPercentRange": "10-15% of leisure budget"}, + { "title": "Enhanced Home Entertainment", "desc": "Good quality 4K TV (e.g., TCL, Hisense U-Series), a decent soundbar (e.g., Sonos Ray, Vizio M-Series). Current gaming console (PS5, Xbox Series X). Multiple streaming subscriptions (Netflix Premium, HBO Max/Max, Disney+ Bundle).", "itemIcon": "bi-controller", "financialNote": "Investing in a comfortable home entertainment setup.", "badges": ["premium"]} ]}, { "min": 7, "items": [ - { "title": "VIP & Season Tickets", "desc": "VIP packages for concerts/festivals (Coachella). Season tickets (club level) for pro sports. Private social or sports club memberships.", "itemIcon": "bi-patch-check-fill", "luxury": true}, - { "title": "High-End Hobbies & Collections", "desc": "Collecting art (Art Basel), fine wines, vintage guitars (Gibson '59 Les Paul). Golf memberships at exclusive clubs. Attending Monaco Grand Prix or Wimbledon.", "itemIcon": "bi-easel3-fill", "luxury": true} + { "title": "VIP Experiences & Season Tickets", "desc": "VIP packages for concerts/festivals (e.g., Coachella, Glastonbury). Season tickets (club level) for favorite professional sports teams. Memberships to private social or sports clubs (golf, tennis).", "itemIcon": "bi-patch-check-fill", "financialNote": "Premium access and regular attendance at high-demand events.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "15-20% of leisure budget"}, + { "title": "High-End Hobbies & Collections", "desc": "Collecting art (attending Art Basel, Frieze), fine wines, luxury watches (Rolex, Omega), or vintage guitars. Golf memberships at exclusive clubs. Attending prestigious international events like the Monaco Grand Prix or Wimbledon.", "itemIcon": "bi-gem", "financialNote": "Hobbies become significant investments.", "badges": ["premium", "aspirational"]} ]}, { "min": 10, "items": [ - { "title": "Courtside & Backstage Access", "desc": "Courtside seats at NBA games, front row at Paris Fashion Week (Chanel). Backstage passes. Attending Oscars, Cannes Film Festival, Met Gala.", "itemIcon": "bi-star-fill", "ultraLuxury": true}, - { "title": "Funding the Arts / Owning a Team", "desc": "Significant patron of major museums (MoMA, Tate), opera (Metropolitan Opera). Investing in Broadway or film. Part-ownership of a pro sports franchise.", "itemIcon": "bi-film", "ultraLuxury": true} + { "title": "Courtside, Backstage & Gala Access", "desc": "Courtside seats at major sporting events (NBA Finals), front row at Fashion Week (Paris, Milan). Backstage passes for top performers. Attending exclusive galas, charity balls, and events like the Oscars, Cannes Film Festival, or Met Gala.", "itemIcon": "bi-star-fill", "financialNote": "Access to the most exclusive entertainment and cultural events.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely"}, + { "title": "Patronage of Arts / Sports Team Investment", "desc": "Significant philanthropic contributions to major cultural institutions (MoMA, Tate Modern, Metropolitan Opera). Investing in Broadway productions or independent films. Potential for part-ownership in a professional sports franchise.", "itemIcon": "bi-film", "financialNote": "Shaping culture and sports through significant financial involvement.", "badges": ["ultraPremium"]} ]} ], "education": [ { "min": 0, "items": [ - { "title": "Public Library University", "desc": "Local library, free online courses (Coursera audit, Khan Academy). YouTube tutorials.", "itemIcon": "bi-lightbulb-fill", "financialNote": "Education via free resources." }, - { "title": "Self-Taught & Resourceful", "desc": "Learning via podcasts, documentaries, internet research. Mentorship if available. Skill-swapping.", "itemIcon": "bi-search-heart" } + { "title": "Public School & Library Resources", "desc": "Children attend local public schools. Heavy reliance on public library for books, computers, and educational programs. Free online resources like Khan Academy, YouTube tutorials.", "itemIcon": "bi-book-fill", "financialNote": "Education primarily via free public resources. For adults, self-teaching.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "Minimal direct cost"}, + { "title": "Community Learning", "desc": "Free or low-cost community center classes, adult literacy programs. Skill-swapping with friends or neighbors.", "itemIcon": "bi-lightbulb-fill", "financialNote": "Focus on accessible learning opportunities.", "badges": ["budgetSmart"]} ]}, { "min": 2, "items": [ - { "title": "Community College / In-State Public University", "desc": "Affordable local degrees/certificates or state university with loans/part-time work.", "itemIcon": "bi-mortarboard-fill", "financialNote": "Managing student loan debt." }, - { "title": "Trade Schools & Certifications", "desc": "Practical skills via vocational programs, apprenticeships, online certs (Google Career Certificates, CompTIA).", "itemIcon": "bi-tools" } + { "title": "Public University (In-State) / Community College", "desc": "Children may attend in-state public universities with aid/loans, or community colleges. Adults might take vocational courses or online certificates (e.g., Google Career Certificates, Coursera specialization for a fee).", "itemIcon": "bi-mortarboard-fill", "financialNote": "Managing student loan debt is a significant concern. Balancing work and study.", "badges": ["milestone"], "budgetPercentRange": "Varies (loans/savings)"}, + { "title": "Trade School & Certifications", "desc": "Focus on practical skills via vocational programs, apprenticeships for trades. Online certifications for specific job skills (e.g., CompTIA for IT).", "itemIcon": "bi-tools", "financialNote": "Investing in skills for career advancement.", "badges": []} ]}, { "min": 4, "items": [ - { "title": "Choice of Public or Private University", "desc": "Well-regarded private or flagship state university with savings/scholarships/manageable loans. MBA from state school or online (UIUC, Indiana Kelley).", "itemIcon": "bi-building-fill-check", "financialNote": "Paying down student loans while investing." }, - { "title": "Continuing Education & Workshops", "desc": "Investing in professional development courses, industry conferences (CES, Web Summit), specialized workshops. LinkedIn Learning, MasterClass.", "itemIcon": "bi-graph-up-arrow" } + { "title": "Choice of Public or Private University (with aid/loans)", "desc": "Children attend well-regarded state universities or private universities if scholarships/aid make it feasible. Adults may pursue an MBA from a state school or reputable online program (e.g., UIUC iMBA, Indiana Kelley Direct). Regular contributions to 529 plans or equivalent education savings.", "itemIcon": "bi-bank", "financialNote": "Strategic planning for education costs. Paying down student loans while investing for children's future.", "badges": ["aspirational", "milestone"], "budgetPercentRange": "5-15% of income towards savings/loans"}, + { "title": "Professional Development & Workshops", "desc": "Investing in ongoing professional development: industry conferences (e.g., local tech meetups, marketing seminars), specialized workshops, LinkedIn Learning, MasterClass subscriptions.", "itemIcon": "bi-graph-up-arrow", "financialNote": "Continuous learning for career growth.", "badges": ["premium"]} ]}, { "min": 7, "items": [ - { "title": "Elite Universities & Grad School", "desc": "Attending Ivy League or top-tier global universities (Stanford, MIT, Oxbridge, INSEAD for MBA) for undergrad/grad.", "itemIcon": "bi-bank2", "luxury": true, "financialNote": "Education costs are manageable." }, - { "title": "Private Tutors & Specialized Coaching", "desc": "Hiring tutors for children (SAT/ACT prep via Crimson Education), executive coaching (BetterUp), language immersion abroad, specialized skill retreats (Le Cordon Bleu for enthusiasts).", "itemIcon": "bi-person-video3", "luxury": true} + { "title": "Elite Universities & Graduate Programs", "desc": "Children may attend highly selective private universities, Ivy League institutions, or top-tier global universities (e.g., Stanford, MIT, Oxbridge) for undergraduate or graduate studies. This may involve less reliance on loans.", "itemIcon": "bi-building-fill-check", "financialNote": "Education costs are a significant but manageable investment in children's future. For adults, executive MBAs (e.g., Wharton, INSEAD).", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "Significant, planned expense"}, + { "title": "Private Tutoring & Specialized Coaching", "desc": "Hiring private tutors for children (e.g., SAT/ACT prep, subject-specific, via services like Crimson Education or local experts). Executive coaching for adults (e.g., BetterUp). Language immersion programs abroad or specialized skill retreats (e.g., Le Cordon Bleu for culinary enthusiasts).", "itemIcon": "bi-person-video3", "financialNote": "Personalized educational support and enrichment.", "badges": ["premium", "convenience"]} ]}, { "min": 10, "items": [ - { "title": "Global Education & Bespoke Learning for Family", "desc": "Children attend elite international boarding schools (Le Rosey, Eton, Phillips Exeter). Custom educational programs, 'world-schooling' with private tutors.", "itemIcon": "bi-globe2", "ultraLuxury": true}, - { "title": "University Donations & Endowments", "desc": "Significant philanthropic contributions to alma mater/prestigious institutions (named buildings/professorships). Funding research. Pursuing personal intellectual interests (Aspen Ideas Festival, TED).", "itemIcon": "bi-capslock-fill", "ultraLuxury": true} + { "title": "Elite Global Education & Bespoke Learning", "desc": "Children attend prestigious international boarding schools (e.g., Le Rosey in Switzerland, Eton College in UK, Phillips Exeter Academy in US). Custom educational programs, potentially 'world-schooling' with a team of private tutors. University admission consulting from top firms.", "itemIcon": "bi-globe2", "financialNote": "Providing the most exclusive and tailored global education for the family.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Very significant expense"}, + { "title": "University Endowments & Philanthropic Learning", "desc": "Making significant philanthropic contributions to alma maters or prestigious universities, potentially leading to named buildings, professorships, or scholarship funds. Pursuing personal intellectual interests through curated experiences like Aspen Ideas Festival, TED conferences (as a patron), or private scholarly pursuits.", "itemIcon": "bi-capslock-fill", "financialNote": "Shaping educational institutions and pursuing knowledge at the highest levels.", "badges": ["ultraPremium"]} ]} ], "services": [ { "min": 0, "items": [ - { "title": "The Ultimate DIY-er", "desc": "Cutting own hair, cleaning own home, DIY repairs. Mending clothes.", "itemIcon": "bi-wrench-adjustable-circle-fill", "financialNote": "Services self-performed to save money." }, - { "title": "Community Support System", "desc": "Relying on friends/family for moves, childcare, pet-sitting. Bartering skills. Utilizing free community services.", "itemIcon": "bi-people" } + { "title": "DIY Everything", "desc": "Haircuts at home or very cheap barbers. All cleaning, cooking, laundry, basic repairs done by family members. Mending clothes instead of replacing.", "itemIcon": "bi-scissors", "financialNote": "Services self-performed to save money. Time is traded for cost savings.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "Minimal"}, + { "title": "Community & Family Support", "desc": "Relying on friends, family, or community groups for childcare, occasional help with moves, or pet-sitting. Bartering skills or services.", "itemIcon": "bi-house-heart", "financialNote": "Strong reliance on social support network.", "badges": ["budgetSmart"]} ]}, { "min": 2, "items": [ - { "title": "Basic Maintenance Services", "desc": "Budget haircuts (Great Clips). Occasional TaskRabbit for heavy lifting or basic handyman task.", "itemIcon": "bi-scissors", "financialNote": "Limited use of paid services." }, - { "title": "Occasional House Cleaner or Meal Kit", "desc": "House cleaning as a rare treat. Trying a meal kit delivery service (HelloFresh, Blue Apron) for convenience.", "itemIcon": "bi-bucket-fill" } + { "title": "Basic Maintenance Services", "desc": "Budget haircuts (e.g., Great Clips, local barber). Occasional use of TaskRabbit or a local handyman for a specific repair that's beyond DIY skills. Laundromat if no in-unit laundry.", "itemIcon": "bi-wrench-adjustable-circle", "financialNote": "Limited use of paid services for essential maintenance.", "badges": [], "budgetPercentRange": "<5% of discretionary"}, + { "title": "Occasional Convenience Services", "desc": "A rare treat of house cleaning (perhaps once or twice a year). Trying a meal kit delivery service (e.g., HelloFresh, Blue Apron) for a short period with a discount offer.", "itemIcon": "bi-bucket", "financialNote": "Convenience services are infrequent splurges.", "badges": ["convenience"]} ]}, { "min": 4, "items": [ - { "title": "Regular Pampering & Assistance", "desc": "Monthly mid-range salon haircuts (Toni&Guy). Bi-weekly house cleaning. Lawn care. Regular food delivery (DoorDash). Occasional dog walker.", "itemIcon": "bi-person-arms-up"}, - { "title": "Personal Trainer & Wellness Subscriptions", "desc": "Nicer gym membership (Equinox, Virgin Active), boutique fitness (F45, Barry's). ClassPass. Regular massages. Wellness apps (Headspace).", "itemIcon": "bi-heart-pulse-fill" } + { "title": "Regular Personal Care & Home Help", "desc": "Monthly mid-range salon haircuts/styling (e.g., Toni&Guy, local independent salons). Bi-weekly or monthly house cleaning service. Regular lawn care service. Frequent food delivery (DoorDash, Uber Eats). Occasional dog walker or pet sitter.", "itemIcon": "bi-person-check-fill", "financialNote": "Services to save time and maintain quality of life.", "badges": ["convenience", "premium"], "budgetPercentRange": "5-10% of discretionary"}, + { "title": "Gym Membership & Wellness Subscriptions", "desc": "Membership at a nicer gym chain (e.g., LA Fitness, Anytime Fitness) or boutique fitness classes (e.g., F45, Orangetheory, ClassPass). Regular massages or wellness treatments. Subscriptions to wellness apps (e.g., Headspace, Calm, Peloton Digital).", "itemIcon": "bi-heart-pulse", "financialNote": "Investing in health, fitness, and well-being.", "badges": ["premium"]} ]}, { "min": 7, "items": [ - { "title": "Concierge Lifestyle Services", "desc": "Personal assistant (part/full-time, virtual via Time etc). Premium spa treatments (Peninsula Spa). Personal shopper/stylist (Nordstrom, Selfridges).", "itemIcon": "bi-person-rolodex", "luxury": true}, - { "title": "Household Support Staff", "desc": "Full/part-time nanny. Regular professional landscaping, pool maintenance. Dog walker, mobile pet groomer. Private chef for some meals. Tailor.", "itemIcon": "bi-house-gear-fill", "luxury": true} + { "title": "Concierge & Enhanced Personal Services", "desc": "Part-time personal assistant (virtual or in-person). Premium spa treatments and wellness retreats (e.g., Canyon Ranch, Miraval). Personal shopper or stylist services (e.g., Nordstrom Stylist, independent consultants).", "itemIcon": "bi-person-rolodex", "financialNote": "High-touch services for personalized convenience and lifestyle management.", "badges": ["premium", "convenience", "statusSymbol"], "budgetPercentRange": "10-15% of discretionary"}, + { "title": "Comprehensive Household Support", "desc": "Full-time or regular part-time nanny or au pair. Professional landscaping and pool maintenance. Regular dog walker, mobile pet groomer. Private chef for some family meals or dinner parties. Custom tailoring.", "itemIcon": "bi-house-gear", "financialNote": "Significant delegation of household tasks to professionals.", "badges": ["premium", "convenience"]} ]}, { "min": 10, "items": [ - { "title": "Full Estate Management & Bespoke Staff", "desc": "Butler, private chef (Michelin-experienced), full-time skilled housekeeping, groundskeepers, personal security detail (close protection). Estate manager/chief of staff.", "itemIcon": "bi-shield-shaded", "ultraLuxury": true}, - { "title": "Bespoke Global Concierge", "desc": "Access to high-end concierge services (Quintessentially, Ten Lifestyle Group, Knightsbridge Circle) for any request: superyacht charters, sourcing rare Hermès/Patek Philippe, exclusive party planning.", "itemIcon": "bi-headset", "ultraLuxury": true} + { "title": "Full Estate Management & Bespoke Staff", "desc": "Employing a team: butler, private chef (Michelin-star experienced), multiple full-time housekeepers, groundskeepers, personal security detail (close protection officers), chauffeurs. Estate manager or chief of staff to oversee operations.", "itemIcon": "bi-shield-lock-fill", "financialNote": "Running a large household or multiple properties like a small business.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely"}, + { "title": "Elite Global Concierge Services", "desc": "Membership with high-end global concierge services (e.g., Quintessentially, Ten Lifestyle Group, Knightsbridge Circle) for any request: sourcing rare luxury goods (Hermès Birkin, Patek Philippe), planning intricate multi-destination trips, accessing exclusive events, superyacht charters.", "itemIcon": "bi-headset", "financialNote": "Access to a network that can fulfill virtually any request, anywhere.", "badges": ["ultraPremium", "convenience"]} ]} ], "financialServices": [ { "min": 0, "items": [ - { "title": "Survival Mode & Basic Banking", "desc": "Focus on meeting immediate needs. May use check-cashing services or rely on basic bank accounts with minimal fees. Debt is often high-interest (payday loans, credit cards for essentials). Savings are non-existent or for very short-term emergencies. No investments.", "itemIcon": "bi-piggy-bank"}, - { "title": "Community Assistance", "desc": "May rely on community financial literacy programs, credit counseling from non-profits, or government assistance programs if available and eligible. Financial stability is precarious.", "itemIcon": "bi-people-fill"} + { "title": "Basic Banking & Survival Mode", "desc": "Focus on immediate needs. May use check-cashing services or rely on basic bank accounts (e.g., Chase Secure Banking, local credit union basic account) with minimal fees. Debt is often high-interest (payday loans, credit cards for essentials). Savings are minimal or for very short-term emergencies. No investments.", "itemIcon": "bi-piggy-bank-fill", "financialNote": "Financial stability is precarious. Often unbanked or underbanked.", "badges": ["essential"], "budgetPercentRange": "N/A"}, + { "title": "Community Financial Literacy", "desc": "May seek help from community financial literacy programs, non-profit credit counseling (e.g., NFCC), or government assistance programs if eligible.", "itemIcon": "bi-info-circle-fill", "financialNote": "Seeking foundational financial knowledge and support.", "badges": ["budgetSmart"]} ]}, { "min": 2, "items": [ - { "title": "Building Foundations", "desc": "Establishing an emergency fund (3-6 months expenses) is a key goal. Starting to contribute to employer-sponsored retirement plans (401k, pension) to get any employer match, or opening a Roth IRA. Initial investments in simple, low-cost target-date funds or broad market index funds (e.g., S&P 500 - VOO, Total Stock Market - VTI).", "itemIcon": "bi-graph-up"}, - { "title": "Debt Management & Budgeting", "desc": "Actively working to pay down high-interest debt (credit cards, personal loans). Utilizing budgeting apps (e.g., YNAB, Mint) and focusing on financial education regarding compound interest and long-term planning.", "itemIcon": "bi-calculator-fill"} + { "title": "Building Emergency Fund & Basic Retirement", "desc": "Goal: 3-6 months of expenses in an emergency fund (e.g., in a high-yield savings account like Ally or Marcus). Starting contributions to employer-sponsored retirement plans (401k, 403b) to get any employer match, or opening a Roth IRA (e.g., with Vanguard, Fidelity, Schwab). Initial investments in simple, low-cost target-date funds or broad market index ETFs (e.g., VTI, IXUS).", "itemIcon": "bi-graph-up", "financialNote": "Laying the groundwork for financial security.", "badges": ["essential", "milestone"], "budgetPercentRange": "5-10% of income to savings"}, + { "title": "Debt Management & Budgeting Tools", "desc": "Actively working to pay down high-interest debt (credit cards, personal loans) using strategies like debt snowball or avalanche. Utilizing budgeting apps (e.g., YNAB, Mint, Personal Capital) and learning about compound interest and long-term planning via blogs/podcasts (e.g., The Ramsey Show, ChooseFI).", "itemIcon": "bi-calculator", "financialNote": "Taking control of debt and cash flow.", "badges": ["budgetSmart"]} ]}, { "min": 4, "items": [ - { "title": "Wealth Accumulation Phase", "desc": "Aiming to max out tax-advantaged retirement accounts (401k, IRA, HSA). Building a diversified portfolio in taxable brokerage accounts with low-cost index funds covering US large/small cap, international stocks, and possibly some bonds. Asset allocation becomes a conscious decision.", "itemIcon": "bi-briefcase-fill"}, - { "title": "Robo-Advisors & Goal-Based Savings", "desc": "May use robo-advisors (e.g., Betterment, Wealthfront) for automated investment management and tax-loss harvesting. Saving for specific goals like a house down payment, children's education (529 plans). Understanding of investment fees and tax implications grows.", "itemIcon": "bi-robot"} + { "title": "Maxing Retirement Accounts & Diversification", "desc": "Aiming to max out tax-advantaged retirement accounts (401k, Roth IRA, HSA if applicable). Building a diversified portfolio in taxable brokerage accounts with low-cost index funds/ETFs covering US large/small cap, international stocks, and bonds (e.g., Boglehead three-fund portfolio). Asset allocation is a conscious decision.", "itemIcon": "bi-briefcase-fill", "financialNote": "Systematic wealth accumulation phase.", "badges": ["milestone", "premium"], "budgetPercentRange": "10-20% of income to savings/investments"}, + { "title": "Robo-Advisors & Goal-Based Savings", "desc": "May use robo-advisors (e.g., Betterment, Wealthfront, Schwab Intelligent Portfolios) for automated investment management and tax-loss harvesting. Saving for specific goals like a house down payment, children's education (529 plans). Understanding of investment fees and tax implications grows.", "itemIcon": "bi-robot", "financialNote": "Leveraging technology for investment management.", "badges": ["smartChoice"]} ]}, { "min": 7, "items": [ - { "title": "Comprehensive Financial Planning", "desc": "Portfolio likely exceeds $500K. Often engage a fee-only financial advisor or planner for holistic advice. Focus on tax optimization: strategic asset location, tax-loss harvesting, charitable giving strategies. May invest in individual stocks or more specialized ETFs/mutual funds.", "itemIcon": "bi-person-check-fill"}, - { "title": "Exploring Alternative Investments", "desc": "Considering direct real estate investments (rental properties), REITs, or contributing to private real estate syndications. Early-stage estate planning (wills, basic trusts). Insurance review (life, disability, umbrella).", "itemIcon": "bi-building-check"} + { "title": "Comprehensive Financial Planning", "desc": "Portfolio likely $500K+. Engaging a fee-only Certified Financial Planner (CFP) or wealth advisor (e.g., from firms like Edelman Financial Engines, or independent RIAs) for holistic advice. Focus on tax optimization strategies (asset location, tax-loss harvesting, charitable giving with Donor Advised Funds). May invest in individual stocks, sector ETFs, or actively managed funds.", "itemIcon": "bi-person-lines-fill", "financialNote": "Professional guidance for complex financial situations.", "badges": ["premium", "milestone"], "budgetPercentRange": "15-25%+ of income to savings/investments"}, + { "title": "Exploring Alternative Investments & Estate Planning Basics", "desc": "Considering direct real estate investments (rental properties), REITs (e.g., VNQ), or accredited investor platforms for private placements (e.g., Yieldstreet, Fundrise - check accreditation). Initiating estate planning (wills, trusts, powers of attorney). Reviewing insurance needs (term life, disability, umbrella).", "itemIcon": "bi-building-gear", "financialNote": "Expanding investment horizons and protecting assets.", "badges": ["aspirational"]} ]}, { "min": 10, "items": [ - { "title": "Sophisticated Wealth Management", "desc": "Portfolio typically $1.5M-$5M+. Managing substantial assets requires vigilance. May diversify into hedge funds, private equity, or venture capital through platforms or direct investment. Advanced tax planning, including strategies for concentrated stock positions or business ownership.", "itemIcon": "bi-bank2"}, - { "title": "Family Office & Legacy Planning", "desc": "For portfolios $5M+, often involves a private wealth manager, multi-family office, or establishing a single-family office. Focus on intergenerational wealth transfer, complex trust structures (GRATs, QPRTs, ILITs), philanthropic strategies (donor-advised funds, private foundations), and asset protection. Managing international assets and tax laws if applicable.", "itemIcon": "bi-diagram-3-fill", "ultraLuxury": true} + { "title": "Sophisticated Wealth Management & Private Banking", "desc": "Portfolio typically $1.5M-$5M+. Working with private wealth managers at major banks (e.g., Goldman Sachs Private Wealth, J.P. Morgan Private Bank, UBS) or specialized RIAs. Diversifying into hedge funds, private equity, venture capital (often through feeder funds or platforms for accredited investors). Advanced tax planning for concentrated stock, business ownership, or QOFs.", "itemIcon": "bi-bank2", "financialNote": "High-level strategic management of substantial assets.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Significant portion managed"}, + { "title": "Family Office Services & Legacy Planning", "desc": "For High Net Worth ($5M+) to Ultra High Net Worth ($30M+) individuals/families. May engage a multi-family office or establish a single-family office. Focus on intergenerational wealth transfer, complex trust structures (GRATs, dynasty trusts, ILITs), sophisticated philanthropic strategies (private foundations), and robust asset protection. Managing international assets and cross-border tax laws.", "itemIcon": "bi-diagram-3-fill", "financialNote": "Comprehensive, bespoke financial stewardship for generational wealth.", "badges": ["ultraPremium"]} ]} ] }