nx_money_census.nx source
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1// nx_money_census.nx -- the COMPREHENSIVE personal-money domain, mapped honestly. The operator's vision: ONE
2// s-class system managing a person's WHOLE financial life -- spend optimization, debt, credit, savings, investing,
3// taxes, AND hardship/relief (bankruptcy, forbearance, forgiveness) -- NOT a quant-trading niche. This organ
4// enumerates that full domain and marks HAVE vs GAP honestly. Today we hold only the investing+tax corner; the
5// entire consumer / debt / credit / savings / hardship / planning surface is empty. A LOW permille here is HONEST
6// -- it is the roadmap, not a failure. Regulated areas (bankruptcy/tax/legal) = decision-SUPPORT + draft-prep only,
7// "AI drafts, a licensed human signs" -- never unlicensed advice. license_tier: ORIGINAL expect_exit: 0
8import "nx_syscalls.nx"
9import "nx_itoa_lib.nx" // shared MSB-first emitter (zero-alloc)
10
11func mc_puts(s: *u8) -> i64 { var n: i64 = 0; while s[n] != (0 as u8) { n = n + 1 } sys_write(1, s, n); return 0 }
12// MIGRATED to the shared emitter (debt 1785563586). The old body mmapped a scratch buffer
13// per call and never freed it. At PAGE granularity that is 4096B leaked PER CALL -- the
14// defect that took 28.5GB of a 36GB host in nx_ts_lumadiff (2MB input, ~3.66M calls).
15// nxi_* is MSB-first, allocates NOTHING, and emits identical bytes including the sign.
16func mc_n(v: i64) -> i64 { nxi_out(v); return 0 }
17// c = [have, gap]
18func mc_cap(area: *u8, cap: *u8, have: i64, note: *u8, c: *i64) -> i64 {
19 if have == 1 { c[0] = c[0] + 1; mc_puts(" HAVE " as *u8) } else { c[1] = c[1] + 1; mc_puts(" GAP " as *u8) }
20 mc_puts("[" as *u8); mc_puts(area); mc_puts("] " as *u8); mc_puts(cap); mc_puts(" -- " as *u8); mc_puts(note); mc_puts("\n" as *u8)
21 return 0
22}
23
24func main() -> i64 {
25 let c: *i64 = sys_mmap(32) as *i64
26 c[0] = 0; c[1] = 0
27 mc_puts("=== nx_money_census: the COMPREHENSIVE personal-money domain (operator's real vision) ===\n\n" as *u8)
28
29 // A. SPENDING & CASH FLOW -- all GAP (this is Rocket Money / Mint / YNAB territory)
30 mc_cap("spend" as *u8, "income & cash-flow tracking" as *u8, 1, "nx_money_ledger: sovereign CSV statement -> income + auto-categorized ledger (gate 18/18)" as *u8, c)
31 mc_cap("spend" as *u8, "spend categorization + pattern analysis" as *u8, 1, "nx_spend_analyze: needs/wants/savings + 50-30-20 gaps (gate 17/17)" as *u8, c)
32 mc_cap("spend" as *u8, "budgeting (zero-based / 50-30-20 / envelope)" as *u8, 1, "nx_spend_analyze: 50-30-20 benchmark + per-class gap" as *u8, c)
33 mc_cap("spend" as *u8, "subscription / recurring detection + cancel" as *u8, 1, "nx_spend_analyze: recurring-want detection + annual drain (cancel = action, needs integration)" as *u8, c)
34 mc_cap("spend" as *u8, "bill negotiation" as *u8, 0, "absent" as *u8, c)
35 mc_cap("spend" as *u8, "optimal spend allocation for THEIR situation" as *u8, 1, "nx_spend_analyze: required want-cut for a savings goal + reachability (reads situation)" as *u8, c)
36
37 // B. DEBT -- building the first module this session
38 mc_cap("debt" as *u8, "debt inventory + debt-to-income" as *u8, 1, "nx_money_situation: total debt/minimums/DTI/net-worth/cash-flow (gate 13/13)" as *u8, c)
39 mc_cap("debt" as *u8, "payoff strategy (avalanche / snowball)" as *u8, 1, "nx_debt_strategy: avalanche vs snowball, underwater-aware (gate 11/11)" as *u8, c)
40 mc_cap("debt" as *u8, "refinance / consolidation analysis" as *u8, 0, "absent" as *u8, c)
41 mc_cap("debt" as *u8, "creditor negotiation / settlement math" as *u8, 0, "absent" as *u8, c)
42
43 // C. CREDIT -- all GAP
44 mc_cap("credit" as *u8, "score factors + monitoring" as *u8, 0, "no credit model" as *u8, c)
45 mc_cap("credit" as *u8, "report dispute (FCRA rights)" as *u8, 0, "absent" as *u8, c)
46 mc_cap("credit" as *u8, "credit-building strategy" as *u8, 0, "absent" as *u8, c)
47
48 // D. SAVINGS & GOALS -- all GAP
49 mc_cap("savings" as *u8, "emergency-fund sizing" as *u8, 0, "absent" as *u8, c)
50 mc_cap("savings" as *u8, "goal-based savings plans" as *u8, 0, "absent" as *u8, c)
51 mc_cap("savings" as *u8, "savings-rate optimization" as *u8, 0, "absent" as *u8, c)
52
53 // E. INVESTING & WEALTH -- HAVE (this is the whole nx_fin_* stack we built)
54 mc_cap("invest" as *u8, "active investing / backtesting / screening" as *u8, 1, "the nx_fin_* trading stack" as *u8, c)
55 mc_cap("invest" as *u8, "portfolio construction + diversification" as *u8, 1, "nx_fin_portfolio + nx_fin_optimizer" as *u8, c)
56 mc_cap("invest" as *u8, "retirement accounts (401k/IRA/Roth) optimization" as *u8, 0, "GAP -- the NORMAL-saver path, not built" as *u8, c)
57 mc_cap("invest" as *u8, "asset allocation for a non-trader" as *u8, 0, "GAP -- we optimize active trades, not a saver's mix" as *u8, c)
58
59 // F. TAXES -- partial HAVE (investing-tax only)
60 mc_cap("tax" as *u8, "tax-lot / wash-sale / QSBS" as *u8, 1, "nx_fin_taxlot + nx_fin_taxopt" as *u8, c)
61 mc_cap("tax" as *u8, "tax-loss harvesting" as *u8, 1, "tl_harvest" as *u8, c)
62 mc_cap("tax" as *u8, "income-tax optimization + withholding" as *u8, 0, "GAP -- the everyday tax picture, not built" as *u8, c)
63 mc_cap("tax" as *u8, "deductions / credits finder" as *u8, 0, "GAP" as *u8, c)
64 mc_cap("tax" as *u8, "filing / forms (AI drafts, licensed human signs)" as *u8, 0, "GAP" as *u8, c)
65
66 // G. HARDSHIP & RELIEF -- all GAP (the operator's explicit emphasis)
67 mc_cap("hardship" as *u8, "bankruptcy navigator (Ch.7/13 means-test + consequences)" as *u8, 1, "nx_hardship_nav: Ch.7 means-test (11 USC 707b), attorney signs (gate 18/18)" as *u8, c)
68 mc_cap("hardship" as *u8, "forbearance (mortgage / student loan)" as *u8, 1, "nx_hardship_nav: interest-accrual cost + capitalized balance" as *u8, c)
69 mc_cap("hardship" as *u8, "loan forgiveness (PSLF / IDR / discharge)" as *u8, 1, "nx_hardship_nav: PSLF/IDR progress + payments remaining" as *u8, c)
70 mc_cap("hardship" as *u8, "deferment" as *u8, 0, "GAP" as *u8, c)
71 mc_cap("hardship" as *u8, "debt settlement negotiation" as *u8, 0, "GAP" as *u8, c)
72 mc_cap("hardship" as *u8, "foreclosure prevention" as *u8, 0, "GAP" as *u8, c)
73 mc_cap("hardship" as *u8, "collections defense (FDCPA rights)" as *u8, 0, "GAP" as *u8, c)
74
75 // H/I/J. INSURANCE / BENEFITS / PLANNING -- all GAP
76 mc_cap("insure" as *u8, "coverage-gap analysis (health/life/disability)" as *u8, 0, "GAP" as *u8, c)
77 mc_cap("benefit" as *u8, "govt-benefit eligibility (SNAP/Medicaid/EITC/UI)" as *u8, 0, "GAP -- huge for hardship situations" as *u8, c)
78 mc_cap("plan" as *u8, "retirement planning" as *u8, 0, "GAP" as *u8, c)
79 mc_cap("plan" as *u8, "estate / wills" as *u8, 0, "GAP" as *u8, c)
80 mc_cap("plan" as *u8, "major life-event planning" as *u8, 0, "GAP" as *u8, c)
81
82 let total: i64 = c[0] + c[1]
83 let permille: i64 = c[0] * 1000 / total
84 mc_puts("\n--- TALLY ---\n HAVE=" as *u8); mc_n(c[0]); mc_puts(" GAP=" as *u8); mc_n(c[1])
85 mc_puts(" of " as *u8); mc_n(total); mc_puts(" capabilities across 10 areas\n COMPREHENSIVE-vision coverage = " as *u8); mc_n(permille); mc_puts(" permille\n" as *u8)
86 mc_puts("\n--- VERDICT ---\n" as *u8)
87 mc_puts(" We hold ONLY the investing + investing-tax corner. The entire everyday money life -- spend,\n" as *u8)
88 mc_puts(" debt, credit, savings, income-tax, hardship/relief, insurance, benefits, planning -- is EMPTY.\n" as *u8)
89 mc_puts(" This is the honest starting line for the comprehensive vision, NOT a finished product.\n" as *u8)
90 mc_puts(" Foundation needed FIRST: a SITUATION model (income/expenses/debts/assets/goals/constraints)\n" as *u8)
91 mc_puts(" every module reads. Then build outward, hardship + debt + spend first (the operator's emphasis).\n" as *u8)
92 mc_puts(" Regulated areas (bankruptcy/tax/legal) = decision-support + draft-prep; a licensed human signs.\n" as *u8)
93 return 0
94}