Decision Tool
Compare changing now, one more work year, and a staged crossover on one consistent horizon.
Use the private toolOne framework. A growing body of work.
The library keeps each book, tool, and method in a permanent place so new work can expand the framework without moving the resources readers already use.
FOUNDATIONAL BOOK
The Vital Crossover
When Health Outweighs Wealth
A decision framework for the point at which protecting health, function, relationships, and time may matter more than another year of accumulation.
Explore the foundational bookMove from idea to discussion.
Framework Guide
See how the Financial Floor, Health + Time, and One More Year ledgers work together.
Explore the frameworkResearch Guide
Inspect the public sources, calculations, author-defined conventions, uncertainty, and model limits.
Review the methodWorked Examples
See why continuing, crossing partially, and crossing fully can each be a sensible result.
Meet three householdsDiscussion Guide
Use five questions to turn a tool result into a dated, reversible, professionally informed plan.
Open the printable guideFrequently Asked Questions
Clarify what the framework means, what the tool stores, and what a result can and cannot tell you.
Read the FAQPrivacy and Limits
Understand what the site calculates, what it does not know, and why assessment answers are never saved.
Read the safeguardsFuture books will join the library—not displace it.
Additional titles and companion resources can be added here under the same framework. Their names and promises will appear only when the work is real and approved.
BOOKSTOOLSREADER GUIDESRESEARCH NOTES