Fynanc Toolbox

2025-06-25

Key topics & numbers — grounded in the call's full recording.

2025-06-25Fynanc Toolbox

The Toolbox hub (login w/ academy email); tools tiered to your journey; Zendesk support; all beta.
Bedrock research spreadsheet (community-built list of qualifying debt-based funds + metrics).
Smart Credit Line tool (borrow / repay / rebalance; surfaces EFFECTIVE interest rate; syncs Family Bank).
Portfolio Analyzer (scores your portfolio through the "PLEX lens", suggests improved mix from community-cached funds).
PLEX Journey Planner + Funding Line Estimator (auto one-page plan from goal/interest/DTA/DSCR/buffer).

Target S&P correlation ≤0.04; std-dev preferably <10 (single digits); target yield ≥8%; maintenance req ≤30% (25% common good).
Planner defaults: goal $150,000/yr, max interest 9%, max DTA 40% (45–50% early), min DSCR 2.0 (3.0 better), buffer 6–12 mo.
Analyzer demo score 5.1 → 6.2 (target 6.5–7+). Yield tiers: 35–50% "going fast" (erosion) → 8–15% fully sustainable.
Margin caution: keep <10% of value until trained; for 40% debt split ~20% inside / 20% outside line. 30-day community cache.

Call Materials

Materials open in Google Drive (academy login may be required).

Related Fynanc pages