Question 1

How is the Frame Simulator different from Build Your Frame?

Accepted Answer

Build Your Frame starts with a life stage (20s, 30s, etc.) and lets you adjust sliders. The Frame Simulator works the other way — you model your actual life with scenario sliders, and it computes your allocation from scratch. Use Frame Simulator if your life doesn't fit neatly into an age bracket.

Question 2

Why does my Dare slot change when I add dependents?

Accepted Answer

When you have dependents, the money you can afford to lose shrinks. The simulator reduces Dare (and sometimes Build) and shifts that percentage into Park — the safety cushion for unexpected expenses like medical bills or childcare.

Question 3

Should I use this instead of a financial advisor?

Accepted Answer

No. This is a framework for thinking about allocation, not personalized advice. If your situation involves business ownership, inherited wealth, complex taxes, or other complications, talk to someone who can look at the whole picture.

Question 4

What does 'income stability' mean for my allocation?

Accepted Answer

Variable income (freelance, commission-based) means your cash flow can swing. The simulator increases Park for variable income because you need a bigger safety cushion when paychecks aren't predictable. Stable salary or pension means less Park is needed.

Question 5

Can I save or export my allocation?

Accepted Answer

Not yet, but you can screenshot your results or write them down. The Frame Simulator is designed as a thinking tool — the goal is to help you understand how your life affects your allocation, not to lock in a single number.

Slot	Fund	Allocation	Why it changes
Park	SGOV	10%	Safety cushion for dependents, housing pressure, and variable income.
Earn	SCHD	15%	Income helps when cash flow needs stability but the horizon is still measured in years.
Build	VOO	45%	The core growth engine grows with your time horizon and risk tolerance.
Roam	VXUS	20%	International exposure stays in the mix unless near-term obligations dominate.
Dare	IBIT	10%	The capped bet grows when your horizon and risk tolerance can support it.

Model your life, not just your age.

The scenario builder for your Frame

Your scenario — set the sliders

How the Frame breaks down