🧭 LWQ SCORE — INTEGRATION MAP
(Your Master Progress & Decision Engine)
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The LWQ Score is the single control panel for a member’s entire wealth journey.
It answers four questions at all times:
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Where am I right now?
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What’s holding me back?
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What should I do next?
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How fast am I progressing?
Everything else in LWQ feeds into this.
🧩 CORE DESIGN PRINCIPLE
The LWQ Score is not just a number.
It is a multi-dimension index built from:
• Cashflow health
• Debt status
• Asset growth
• Skill development
• System completion
• Risk protection
• Giving participation
Think of it like a financial + behavioral credit score — but one that actually helps people improve.
🧱 LWQ SCORE — 7 PILLARS (1000-Point System)
Each pillar contributes to the total score.
You can weight these however you prefer; below is a balanced starting model:
💧 Pillar 1 — Cashflow Control (0–150 pts)
Data Inputs
• Monthly net income
• Fixed expenses
• Variable spending
• True surplus / deficit
Connected Tools
→ Overflow Bucket System
→ Cashflow Snapshot
→ Spending Buckets
Scoring Logic (example)
• Positive surplus = +40
• Automated buckets active = +40
• Weekly money review = +20
• Targeted savings buckets funded = +50
LWQ Output
If low:
👉 System recommends Step 3 cleanup + income faucet actions.
🧨 Pillar 2 — Debt Position (0–150 pts)
Data Inputs
• Total debt
• Bad vs productive debt
• Credit utilization
• Paydown progress
Connected Tools
→ Debt Crusher
→ Pause System
→ Snowball/Avalanche Selector
Scoring Logic
• No bad debt = full points
• Active payoff plan = partial
• Stagnant balances = penalty
LWQ Output
If low:
👉 LWQ pushes Debt Crusher + Side Income prompts.
🏦 Pillar 3 — Assets & Net Worth (0–200 pts)
Data Inputs
• Retirement balances
• Brokerage balances
• Business equity (manual input)
• Real estate (optional)
Connected Tools
→ Net Worth Tracker
→ Retirement Calculators
→ Brokerage Dashboard
Scoring Logic
• Positive net worth = base points
• Growing assets = bonuses
• Diversification across vehicles = multiplier
LWQ Output
If low:
👉 LWQ highlights Step 6 vehicles + contribution increases.
🌉 Pillar 4 — Wealth Gap Progress (0–150 pts)
This is the strategic pillar.
Data Inputs
• Target wealth
• Current net worth
• Timeline
• Monthly investable surplus
Connected Tools
→ Wealth Gap Calculator
→ Bridge Builder
Scoring Logic
• On-track = high score
• Slightly behind = medium
• Off-track = low
LWQ Output
If low:
👉 LWQ recommends which lever to pull:
Income / Expenses / Returns / Time.
🧠 Pillar 5 — Skills & System Adoption (0–120 pts)
This tracks behavior — not money.
Data Inputs
• Weekly reviews completed
• Courses completed
• Tools used
• Skill plans created
Connected Tools
→ Step completion tracker
→ Learning modules
→ Job → Entrepreneur flow
Scoring Logic
• Active weekly engagement = points
• Completed steps = points
• No activity = decay
LWQ Output
If low:
👉 LWQ nudges mindset, learning, or execution steps.
🛡️ Pillar 6 — Risk Protection (0–120 pts)
Data Inputs
• Emergency fund months
• Insurance status (yes/no toggles)
• Entity setup
• Estate basics
Connected Tools
→ Risk Map
→ Insurance checklist
→ Framework setup
Scoring Logic
• Emergency fund ≥ 3 months = +40
• Core insurance present = +40
• Entity + beneficiaries = +40
LWQ Output
If low:
👉 LWQ pushes Step 4 framework + risk actions.
🌱 Pillar 7 — Giving & Legacy (0–110 pts)
Data Inputs
• Giving Bucket active
• % of income/surplus
• Giving identity chosen
• Family values participation
Connected Tools
→ Giving Bucket
→ Charity selector
→ Legacy planner
Scoring Logic
• Giving system active = base
• Consistent contributions = bonus
• Legacy planning started = bonus
LWQ Output
If low:
👉 LWQ routes to Step 7 setup.
🧮 FINAL LWQ SCORE
Each pillar feeds into:
🏆 LWQ SCORE = Sum of All Pillars (0–1000)
You can display:
• Total score
• Pillar breakdown bars
• Trend over time
• “Next Best Action”