After the Defense arc's floor is built, the question changes: from am I safe? to am I building? and finally what is it for? Levels 6 and 7 come in order, and Level 8 opens beside Level 7 rather than behind it, so Purpose and Offense run as parallel side-quests from Accelerate onwards.
Level 6: Accelerate
Criterion: your net worth grew by at least 15% of your annual income over the last 12 months, or your net worth reaches 10 times your average annual spending. The first measure is wealth velocity: net worth at the end of the last complete month, minus your net worth twelve months ago, divided by your average annual income. Money saved, investment growth you record and debt paid down all move the same number. Either path completes the level, and the app judges whichever one is further along.
The velocity path needs a full year on the books. Until your ledger reaches back past the twelve-month mark and every account in it has a price for those dates, there is nothing to compare and that path reads blank while the net worth route carries on. The income figure it divides by needs 3 complete months of tracking of its own, and if your income averages under a twelfth of your spending, the app judges you on the net worth route alone rather than printing a percentage nobody can act on.
Level 7: Compound
Criterion: the same wealth-velocity measure at 25% or more, or a net worth at 15 times your average annual spending. It reads the same numbers as Level 6, so its growth route needs the same year of priced history, and its net worth route can be read after 3 completed months with entries. Your Future Self projections show what it buys you at ten, twenty, and thirty years.
A Level 6 or 7 you have reached goes on hold while a level below it is under its target or waiting on data. For Level 4, that means a loan still owing, a card that carried interest on any of its last 3 statements, or a drawn overdraft. Home loans are exempt, and so is a loan you mark as one you cannot clear early. On hold means the level keeps its achievement date and waits, and the day the level below holds again, every level above is read again and takes back whatever its own numbers earn.
Level 8: Fund the Future
Criterion: at least one long-term goal whose linked account holds 3 months of your average spending. A long-term goal is one you mark as being for the people and moments beyond yourself: education, family, giving. The mark becomes available once the goal's target date is 10 or more years out, so a nearer goal is a savings goal and does nothing for this level.
"Funded" is measured on the money actually sitting in the goal's linked account, whatever the goal's own target says, and a typed-in amount never counts (see Goals and funding). The bar is three months of your average monthly spending, which needs 3 complete months of tracking on record, so a new account reads as waiting on data rather than as zero. Purpose, with a balance.
Once you've reached this level, a long-term goal that counted for it keeps the level fulfilled after you mark the goal as done, even if you spend the money on what the goal was for. Before then, a long-term goal you've marked as done still counts the money in its account that no other goal there is using.
Level 9: Financial Independence
Criterion: passive income covers your expenses on a rolling 12-month average while your net worth holds 10 years of that spending, or your net worth reaches 25 times your annual expenses on its own. Either path completes the level, and the app watches both.
Passive income is whatever lands in categories you've marked as passive (investment income, rent, royalties), and the ratio is averaged across the trailing twelve months, so one heavy spending month doesn't undo the year. The capital floor on that path is there so a category flag alone can never finish the level. The second path is the same independence held as capital, the 4% rule: 25 years of your current spending, already banked. When either one reads true, work is officially a choice.
