so people can know how much cash they should hold on to

it should have a header and sum up at the bottom

as a user, I would like to be able to create goals, track them, and complete them.

I would like access to custom goals, community-built goals, and built-in goals.

built-in goals might include accomplishing a goal from the events plan, obtaining an incentive from the incentives plan, paying off a debt, etc.

custom goals could maybe one day be programmatically defined, idk, but for right now they can just be text descriptions with a check box that i mark done.

I would also like to be able to associate certain investment opportunities with certain goals and sort investments this way.

For built-in goals, I would like to be able to access built-in strategies which let me achieve those goals quickly. Five built-in strategies include
1: save cash
2: low risk, high liquidity, near-cash
3: return-maximizing
4: cashflow-maximizing
5: balance return and cashflow

Create a log in page with sign in box for user. Create an account.

budgets require income and expenses to be collectively exhaustive and mutually exclusive, but we can optionally add additional tags for arbitrary trend tracking. For example, we can have a vacation tag which is added to some gas receipts but not all of them.

a transaction can be split into n subtransactions, but their sum totals must equal.
"budget tags" can only be 1 per subtransaction
"optional tags" can be n per subtransaction and can be up to the whole value of the receipt.

survey their time preference, risk tolerance, iq, other stuff, grit...all of this plays into goal predictability and optimal strategy to recommend

stock budget, yearly, events, incentives

User sets their own goals. However, a component that ranks and displays categories prioritized by chosen goal..debt pay off, savings, new purchase, credit increase- in order to help user decide which categories will be prioritized most in budget. Component would account for risk factors, interest rates, credit impact, return on investment, etc.

event plans and incentive plans are examples of goals, but anything you can define from the program can be made into a goal. Categorize goals.