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 6–9 run as parallel side-quests: unlike Defense, you can make progress on several at once.
Level 6: Accelerate
Criterion: your net worth grew by at least 15% of your annual income over the last 12 months. The 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 and debt paid down all move the same number.
This one 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 the level reads blank. The income figure it divides by needs 3 complete months of tracking of its own.
Level 7: Compound
Criterion: the same wealth-velocity measure at 25% or more. It reads the same two net worth points and the same income average as Level 6, so it needs the same year of priced history. At this pace, time starts doing the heavy lifting. Your Future Self projections show what it buys you at ten, twenty, and thirty years.
Levels 6 and 7 pause while you carry qualifying debt: a non-mortgage loan with a balance owing, a credit card cycling a balance, or a drawn overdraft or facility. Mortgages are exempt. A pause holds a level in place rather than resetting it, and a level you have already completed never reverts.
Level 8: Fund the Future
Criterion: at least one legacy goal holding 1 month of your average income. A legacy goal is one you mark as being for the people and moments beyond yourself: education, family, giving. The legacy tag only becomes available once the goal's target date is 15 or more years out, so a nearer goal is a savings goal and does nothing for this level.
"Funded" is measured against your income, whatever the goal's own target says: the balance has to reach one month of your average monthly income (see Goals and funding). That average needs 3 complete months of income on record, so a new account reads 0 here even with a legacy goal already sitting there. Purpose, with a balance.
Level 9: Financial Independence
Criterion: passive income covers your expenses on a rolling 12-month average, or your net worth reaches 25 times your annual expenses. 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 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.
