Budget / Financial Projections — showing revenue sources and use of funds.
Each participant contributes a fixed percentage of effective income (base program, e.g., 10%).
Contributions are adjusted for debt obligations and windfalls.
Affinity groups may contribute additional percentages for intra-group sharing.
Donations and Grants
Optional supplemental donations from higher-income participants or outside donors.
Grants to support research/education activities, community outreach, and platform development.
Interest earned on buffer or pooled funds.
Small administrative fees or service fees if needed to sustain platform infrastructure.
Redistributed Payouts to Participants
Base payout: Equitable distribution of pooled contributions.
Affinity group payouts: Internal redistribution according to group rules.
International PPP adjustments applied as needed.
1–5% of total monthly inflows reserved for stabilization and emergency coverage.
Covers temporary imbalances between contributions and payouts.
Platform development and maintenance (like an internal finance tracking tool or integration with Empower/Personal Capital).
Staff salaries and contractor fees (program management, community engagement, research analysts).
Accounting, legal, and regulatory compliance costs.
Educational materials, handbooks, and participant support resources.
Community-building events, workshops, or retreats.
Research and Evaluation Costs
Data collection, analysis, and reporting.
KPIs tracking, surveys, and impact evaluation.
Publication and dissemination of findings for research/education purposes.
Small reserve (~1–3%) for unforeseen expenses or temporary program shortfalls.
Transparency: Full organizational-level financial reports available to participants and regulatory bodies.
Privacy: Individual participant financial data is never shared outside the program.
Payout Consistency: Annual announcements of payout rates ensure predictable flows for participants.
Buffer Management: Regular monitoring of buffer fund levels to maintain long-term solvency.
Wealth/Income Adjustments: Windfalls taxed at a wealth-equivalent rate; participant debt reduces effective income for contribution calculation.
The program is designed to grow sustainably, with buffer funds and prudent payout policies.
Additional donations or grants can support scaling, onboarding new participants, or expanding research projects.
Affinity groups and internal community funds allow participants to accrue additional wealth while maintaining base equity and transparency.
International participants are accounted for using PPP adjustments to maintain consistent value.