WealthPilot — Financial Planner

📄 Page intro

Title

Subtitle

📐 Framework rule cards (JSON)

Array of cards. Each bucket uses shareOf gross or net and a fraction (0–1). Colors are CSS values like var(--blue).

[
  {
    "id": "50-30-20",
    "icon": "📐",
    "title": "50/30/20 Rule",
    "by": "Elizabeth Warren · Personal finance classic",
    "color": "var(--blue)",
    "desc": "Split your take-home into three clear buckets — needs, wants, and savings. One of the most widely recognised budgeting frameworks worldwide.",
    "who": "Benjamin Graham",
    "quote": "The individual investor should act consistently as an investor and not as a speculator.",
    "buckets": [
      {
        "label": "Needs (50%)",
        "shareOf": "net",
        "fraction": 0.5,
        "color": "var(--blue)",
        "note": "Rent, food, transport, insurance"
      },
      {
        "label": "Wants (30%)",
        "shareOf": "net",
        "fraction": 0.3,
        "color": "var(--amber)",
        "note": "Dining, shopping, entertainment"
      },
      {
        "label": "Savings (20%)",
        "shareOf": "net",
        "fraction": 0.2,
        "color": "var(--green)",
        "note": "SIP, FD, emergency fund"
      }
    ]
  },
  {
    "id": "30-30-30-10",
    "icon": "📊",
    "title": "30/30/30/10 Rule",
    "by": "Indian middle-class financial framework",
    "color": "var(--amber)",
    "desc": "Tailored for the Indian salaried professional with home loans, SIPs, and lifestyle goals — keeps living, EMIs, investments, and fun visible on gross pay.",
    "who": "Rakesh Jhunjhunwala",
    "quote": "Never invest at unreasonable valuations — respect the business, the balance sheet, and the price you pay.",
    "buckets": [
      {
        "label": "Living (30%)",
        "shareOf": "gross",
        "fraction": 0.3,
        "color": "var(--blue)",
        "note": "Rent, food, utilities"
      },
      {
        "label": "EMI/Debt (30%)",
        "shareOf": "gross",
        "fraction": 0.3,
        "color": "var(--red)",
        "note": "Home loan, car loan EMIs"
      },
      {
        "label": "Investments (30%)",
        "shareOf": "gross",
        "fraction": 0.3,
        "color": "var(--green)",
        "note": "MF, stocks, gold, NPS"
      },
      {
        "label": "Fun (10%)",
        "shareOf": "gross",
        "fraction": 0.1,
        "color": "var(--amber)",
        "note": "Travel, dining, leisure"
      }
    ]
  },
  {
    "id": "pay-yourself-first",
    "icon": "🏆",
    "title": "Pay Yourself First",
    "by": "George S. Clason — The Richest Man in Babylon",
    "color": "var(--green)",
    "desc": "Save 10–20% of every paycheck to investments or savings before you spend the rest — automate it on salary day so the habit sticks.",
    "who": "Charlie Munger",
    "quote": "Spend each day trying to be a little wiser than you were when you woke up.",
    "buckets": [
      {
        "label": "Your Wealth (20%)",
        "shareOf": "gross",
        "fraction": 0.2,
        "color": "var(--green)",
        "note": "Auto-SIP on salary day"
      },
      {
        "label": "Rest (80%)",
        "shareOf": "gross",
        "fraction": 0.8,
        "color": "var(--tx-muted)",
        "note": "All expenses & wants"
      }
    ]
  },
  {
    "id": "lynch-25",
    "icon": "📈",
    "title": "Lynch's 25% Growth Rule",
    "by": "Peter Lynch — Fidelity Magellan legend",
    "color": "var(--purple)",
    "desc": "Invest 25–35% of gross in growth assets only when you genuinely understand the businesses; story-driven research beats a blind formula. Keep a liquid safety net alongside.",
    "who": "Peter Lynch",
    "quote": "Know what you own, and know why you own it — then let time and compounding work.",
    "buckets": [
      {
        "label": "Growth Assets (25%)",
        "shareOf": "gross",
        "fraction": 0.25,
        "color": "var(--purple)",
        "note": "Equity MF, direct stocks"
      },
      {
        "label": "Safety Net (10%)",
        "shareOf": "gross",
        "fraction": 0.1,
        "color": "var(--green)",
        "note": "Debt MF, liquid funds"
      },
      {
        "label": "Lifestyle (65%)",
        "shareOf": "gross",
        "fraction": 0.65,
        "color": "var(--blue)",
        "note": "Needs, wants, expenses"
      }
    ]
  }
]

🔢 Thumb rules

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💬 Investor quotes block (JSON)

{
  "intro": "Extra lines from Munger, Graham, and Jhunjhunwala — then a few other voices for balance.",
  "sections": [
    {
      "heading": "Charlie Munger",
      "filterWho": [
        "Charlie Munger"
      ]
    },
    {
      "heading": "Benjamin Graham",
      "filterWho": [
        "Benjamin Graham"
      ]
    },
    {
      "heading": "Rakesh Jhunjhunwala",
      "filterWho": [
        "Rakesh Jhunjhunwala"
      ]
    }
  ],
  "otherHeading": "Other voices",
  "items": [
    {
      "who": "Charlie Munger",
      "q": "Invert, always invert: tell me where I am going to die, so I never go there."
    },
    {
      "who": "Charlie Munger",
      "q": "The big money is not in the buying and the selling, but in the waiting."
    },
    {
      "who": "Charlie Munger",
      "q": "It is remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent."
    },
    {
      "who": "Benjamin Graham",
      "q": "In the short run, the market is a voting machine but in the long run it is a weighing machine."
    },
    {
      "who": "Benjamin Graham",
      "q": "The investor’s chief problem — and even his worst enemy — is likely to be himself."
    },
    {
      "who": "Benjamin Graham",
      "q": "To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information."
    },
    {
      "who": "Rakesh Jhunjhunwala",
      "q": "Equity is redemption; rarely do countries get wiped out in equity markets — patience and homework beat noise."
    },
    {
      "who": "Rakesh Jhunjhunwala",
      "q": "Never invest at unreasonable valuations: respect the business, the balance sheet, and the price you pay."
    },
    {
      "who": "Rakesh Jhunjhunwala",
      "q": "Anticipate trends early, but do not follow the crowd blindly — conviction comes from understanding what you own."
    },
    {
      "who": "Warren Buffett",
      "q": "Price is what you pay. Value is what you get."
    },
    {
      "who": "Warren Buffett",
      "q": "Do not save what is left after spending; instead spend what is left after saving."
    },
    {
      "who": "Warren Buffett",
      "q": "Rule #1: Never lose money. Rule #2: Never forget Rule #1."
    },
    {
      "who": "Peter Lynch",
      "q": "The person that turns over the most rocks wins the game."
    },
    {
      "who": "George S. Clason",
      "q": "A part of all you earn is yours to keep. It should not be less than a tenth no matter how little you earn."
    },
    {
      "who": "John C. Bogle",
      "q": "Time is your friend; impulse is your enemy."
    },
    {
      "who": "Morgan Housel",
      "q": "Doing well with money has a little to do with how smart you are and a lot to do with how you behave."
    }
  ]
}

📚 Discover / books

Section title

Section subtitle

Books (JSON array) — tagClass: book-tag-beg | book-tag-cla | book-tag-ven | book-tag-psy

[
  {
    "title": "Zero to One",
    "author": "Peter Thiel with Blake Masters",
    "tag": "Venture mindset",
    "tagClass": "book-tag-ven",
    "blurb": "Contrarian lessons on building companies and “secrets” — read for how great investments are born from insight, not from copying crowds. Not a stock-picking manual."
  },
  {
    "title": "The Richest Man in Babylon",
    "author": "George S. Clason",
    "tag": "Beginner",
    "tagClass": "book-tag-beg",
    "blurb": "Parables on paying yourself first, living below your means, and letting gold work for you — the same spirit as the “Pay Yourself First” rule card above."
  },
  {
    "title": "The Psychology of Money",
    "author": "Morgan Housel",
    "tag": "Beginner",
    "tagClass": "book-tag-beg",
    "blurb": "Short stories on luck, behaviour, and compounding — one of the clearest starts for anyone new to markets."
  },
  {
    "title": "The Simple Path to Wealth",
    "author": "JL Collins",
    "tag": "Beginner",
    "tagClass": "book-tag-beg",
    "blurb": "Plain-language index-investing and financial independence — ideal if you want fewer products and more clarity."
  },
  {
    "title": "The Intelligent Investor",
    "author": "Benjamin Graham (rev. Jason Zweig)",
    "tag": "Classic",
    "tagClass": "book-tag-cla",
    "blurb": "Margin of safety, Mr Market, defensive vs enterprising investor — the bedrock text value investors still cite."
  },
  {
    "title": "The Little Book of Common Sense Investing",
    "author": "John C. Bogle",
    "tag": "Beginner",
    "tagClass": "book-tag-beg",
    "blurb": "Why low-cost, diversified funds beat most active strategies over long horizons."
  },
  {
    "title": "A Random Walk Down Wall Street",
    "author": "Burton Malkiel",
    "tag": "Beginner",
    "tagClass": "book-tag-beg",
    "blurb": "Markets, bubbles, and indexing in one tour — good grounding before you pick your first fund."
  },
  {
    "title": "One Up On Wall Street",
    "author": "Peter Lynch",
    "tag": "Beginner+",
    "tagClass": "book-tag-beg",
    "blurb": "How everyday observations can lead to research — stay humble and verify with numbers."
  },
  {
    "title": "Poor Charlie’s Almanack",
    "author": "Charlie Munger (ed. Peter Kaufman)",
    "tag": "Classic",
    "tagClass": "book-tag-cla",
    "blurb": "Mental models, ethics, and multidisciplinary thinking — the deepest “voice of Munger” in book form."
  },
  {
    "title": "Common Stocks and Uncommon Profits",
    "author": "Philip A. Fisher",
    "tag": "Classic",
    "tagClass": "book-tag-cla",
    "blurb": "Scuttlebutt and quality growth — complements Graham’s margin-of-safety mindset."
  }
]

⛩️ Japanese philosophy

Title

Subtitle

Items (JSON array of term, title, body)

[
  {
    "term": "Kakeibo · 家計簿",
    "title": "Mindful household ledger",
    "body": "At month start, set savings first; track spending by category and mood. Before non-essential buys, ask if it aligns with your goals — reduces impulse without harsh budgeting."
  },
  {
    "term": "Kaizen · 改善",
    "title": "Continuous small upgrades",
    "body": "Improve wealth systems a little every month: nudge SIP up slightly, trim one subscription, review one fund’s expense ratio. Compounding applies to habits, not only returns."
  },
  {
    "term": "Ikigai · 生き甲斐",
    "title": "Purpose beyond the ticker",
    "body": "Align part of your capital with what makes life meaningful — education, family security, craft, or impact — so investing supports identity, not only net worth."
  },
  {
    "term": "Mottainai · もったいない",
    "title": "Nothing wasted",
    "body": "Respect money and time: avoid needless churn, duplicate policies, and “revenge” trading. Frugality here means efficiency, not misery."
  },
  {
    "term": "Hara hachi bu · 腹八分目",
    "title": "Stop at about eighty percent",
    "body": "From Okinawan wisdom: stop eating before full. In finance: don’t stretch every rupee into risk; keep budget slack, emergency cash, and room so markets never force panic."
  },
  {
    "term": "Ma · 間",
    "title": "Strategic emptiness",
    "body": "Leave intentional gaps — cash for opportunities, time before big decisions, silence from market noise. Not every rupee must be “deployed” every day."
  }
]

📰 Sitemap, Blog & Support pages

Public routes: /sitemap (sectioned hub), /blog (category tabs + cards), /support (plain text + linkified URLs). Sitemap: page title, intro, sections JSON. Blog: page title, intro, categories JSON (include slug: "all"), posts JSON. Support: title, subtitle, body.

🗺 Sitemap

Page title (H1)

Intro (optional, under title)

Sections (JSON) — each { "title": "Category", "links": [{ "label": "…", "href": "/path" }] }

[
  {
    "title": "Planner",
    "links": [
      {
        "label": "Salary",
        "href": "/salary"
      },
      {
        "label": "Budget",
        "href": "/budget"
      },
      {
        "label": "Savings rules",
        "href": "/savings-rules"
      },
      {
        "label": "Goals",
        "href": "/goals"
      },
      {
        "label": "Emergency fund",
        "href": "/emergency-fund"
      },
      {
        "label": "Wealth builder",
        "href": "/wealth"
      }
    ]
  },
  {
    "title": "Company & resources",
    "links": [
      {
        "label": "Sitemap",
        "href": "/sitemap"
      },
      {
        "label": "Blog",
        "href": "/blog"
      },
      {
        "label": "Support",
        "href": "/support"
      }
    ]
  },
  {
    "title": "Content & tools",
    "links": [
      {
        "label": "Admin CMS",
        "href": "/admin"
      },
      {
        "label": "Savings rules (reference)",
        "href": "/savings-rules"
      }
    ]
  },
  {
    "title": "Legal (placeholders)",
    "links": [
      {
        "label": "Privacy policy",
        "href": "#privacy"
      },
      {
        "label": "Terms",
        "href": "#terms"
      },
      {
        "label": "Disclosures",
        "href": "#disclosures"
      }
    ]
  }
]

✍️ Blog

Page title (H1)

Intro (under title)

Categories (JSON) — first tab should be { "slug": "all", "label": "All" }; other slugs match post.categorySlug.Posts (JSON) — each { "slug", "categorySlug", "title", "imageUrl", "href", "publishedAt" } (publishedAt ISO datetime).

[
  {
    "slug": "salary-gross-net-savings",
    "categorySlug": "planner",
    "title": "How gross vs net salary changes your savings rate in WealthPilot",
    "imageUrl": "https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=900&q=80",
    "href": "/salary",
    "publishedAt": "2026-05-14T14:39:00.000Z"
  },
  {
    "slug": "503020-inr",
    "categorySlug": "budget",
    "title": "Using the 50/30/20 rule when your income is in INR",
    "imageUrl": "https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?w=900&q=80",
    "href": "/budget",
    "publishedAt": "2026-05-14T12:10:00.000Z"
  },
  {
    "slug": "emergency-fund-liquid-funds",
    "categorySlug": "goals",
    "title": "Why your emergency fund target should live next to your monthly burn",
    "imageUrl": "https://images.unsplash.com/photo-1563986768609-322da13575f3?w=900&q=80",
    "href": "/emergency-fund",
    "publishedAt": "2026-05-13T18:00:00.000Z"
  },
  {
    "slug": "savings-rules-frameworks",
    "categorySlug": "learn",
    "title": "Reading the savings rules frameworks: gross share vs net share",
    "imageUrl": "https://images.unsplash.com/photo-1460925895917-afdab827c52f?w=900&q=80",
    "href": "/savings-rules",
    "publishedAt": "2026-05-12T09:30:00.000Z"
  },
  {
    "slug": "wealth-allocation-strip",
    "categorySlug": "planner",
    "title": "What the wealth builder allocation strip is really telling you",
    "imageUrl": "https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?w=900&q=80",
    "href": "/wealth",
    "publishedAt": "2026-05-11T11:20:00.000Z"
  },
  {
    "slug": "goals-tracker-milestones",
    "categorySlug": "goals",
    "title": "Setting milestones in Goals so progress stays motivating",
    "imageUrl": "https://images.unsplash.com/photo-1507679799987-c73779587ccf?w=900&q=80",
    "href": "/goals",
    "publishedAt": "2026-05-10T16:45:00.000Z"
  }
]

🛟 Support

Title

Subtitle

Body

🧭 Site footer (global)

Two-band footer: light strip (standard pre-footer rows, then partner strips, disclaimer) and dark block (brand, address, optional referral line, socials, columns). Use /salary or full URLs. Social icon: facebook, linkedin, x, youtube, instagram, reddit, github, link.

Brand name

Tagline

Address (multi-line)

Copyright line

Pre-footer rows (JSON) — standard link strips (education, site map links, etc.). Renders before partner strips. Use \n in title for a line break.

[
  {
    "title": "Reference & education (India)",
    "links": [
      {
        "label": "RBI — Financial literacy",
        "href": "https://www.rbi.org.in/"
      },
      {
        "label": "SEBI — Investor corner",
        "href": "https://www.sebi.gov.in/"
      },
      {
        "label": "Income Tax — e-filing",
        "href": "https://www.incometax.gov.in/"
      }
    ]
  },
  {
    "title": "WealthPilot pages",
    "links": [
      {
        "label": "Salary & savings",
        "href": "/salary"
      },
      {
        "label": "Budget planner",
        "href": "/budget"
      },
      {
        "label": "Savings rules",
        "href": "/savings-rules"
      },
      {
        "label": "Goals",
        "href": "/goals"
      },
      {
        "label": "Emergency fund",
        "href": "/emergency-fund"
      },
      {
        "label": "Wealth builder",
        "href": "/wealth"
      },
      {
        "label": "Sitemap",
        "href": "/sitemap"
      },
      {
        "label": "Blog",
        "href": "/blog"
      },
      {
        "label": "Community",
        "href": "/community"
      },
      {
        "label": "Support",
        "href": "/support"
      }
    ]
  }
]

Disclaimer (plain text)

Footer columns (JSON)

[
  {
    "heading": "Product",
    "links": [
      {
        "label": "Salary",
        "href": "/salary"
      },
      {
        "label": "Budget",
        "href": "/budget"
      },
      {
        "label": "Savings rules",
        "href": "/savings-rules"
      },
      {
        "label": "Goals",
        "href": "/goals"
      },
      {
        "label": "Emergency fund",
        "href": "/emergency-fund"
      },
      {
        "label": "Wealth builder",
        "href": "/wealth"
      }
    ]
  },
  {
    "heading": "Company",
    "links": [
      {
        "label": "Sitemap",
        "href": "/sitemap"
      },
      {
        "label": "Blog",
        "href": "/blog"
      },
      {
        "label": "Community",
        "href": "/community"
      },
      {
        "label": "Support",
        "href": "/support"
      }
    ]
  },
  {
    "heading": "Legal",
    "links": [
      {
        "label": "Privacy policy",
        "href": "#privacy"
      },
      {
        "label": "Terms",
        "href": "#terms"
      },
      {
        "label": "Disclosures",
        "href": "#disclosures"
      }
    ]
  }
]

Social links (JSON)

Main band — referral description (plain text, optional)

Main band — referral link label

Main band — referral URL

Partner / referral strips (JSON) — one object per strip; use "variant": "promo" for highlighted CTAs. Append more objects to add more partners. Same shape as pre-footer rows.