📖 The Vault — Strategy Guide & 4-Way Inflow Engine
- Multi-Currency Note: PLMS OS operates 100% offline for complete data privacy. When switching currency symbols via the Zen Dashboard, please manually update your envelope spending caps based on current exchange rates. You can check live rates anytime using a reliable Live Currency Converter.
- Envelope Allocation: Create category cards with hard spending caps and auto-updating Net Remaining Balances.
- Cassette Feeder Compatibility: Envelopes injected via verified DaYoBa packages are merged non-destructively, isolated under their package namespace, and muted automatically if set in the Feeder.
- Credit (Capital Inflow / Top-Up): Earned revenue, bonuses, or budget increases (+5 VP).
- Loan (Debt Liability Intake): Borrowed funds expand current cash liquidity but create debt liability (-5 VP).
- Repayment (Debt Payoff Outlay): Clearing liabilities is a disciplined capital act honoring commitments (+5 VP).
- Debit (Consumption Outlay): Active consumption expenses drawing down envelope reserves (-5 VP).
- +5 VP: Earned for every disciplined financial behavior (Credit Inflows and Debt Repayments).
- -5 VP: Deducted for capital consumption and new debt accrual (Debits and Loans Taken).
- Global Ledger Integrity: Every adjustment synchronously updates `plms_global_vp` and writes to `plms_vp_history`.
Mindset Equilibrium Meter (Capital Inflows vs Consumption Outlays)
3D Category Outlay Allocation
3D Domain Budget Capacity Overview
Envelopes (Personal)
Transaction Ledger (Personal)
| Date | Amount | Category | Purpose / Note | Classification | VP Impact | Actions |
|---|