Learning Path & Concept Dependencies
The recommended course order, concept dependencies, IRIS framework progression, and funding-line evolution. Structured for Joseph to review and correct.
Understand the Fynanc worldview, the two sides of every investment (Capital Side vs Asset Side), and the Capital Amplifier's 6 components.
Start Here (Program Overview) Your Wealth Journey Your Fynanc Guide
63 lessons covering all five pillars, the Capital Amplifier system, worldview, contribution strategy, leverage basics, and the journey-to-freedom-line concept. This is the foundation that every other course builds on.
Epic Wealth 6-Week Quick Start (63 lessons)
Prerequisite: Stage 1 (Start Here)
Setup the whole life insurance policy as a financial tool. Understand cash value lending, death benefit, and how the Super Vault integrates with the Capital Amplifier. This is the Insurance dimension of the IRIS framework.
Setup & Launch Family Bank (10 lessons) Power of Your Bank (19 lessons) Cash Value Maximizer (1 lesson)
Prerequisite: Stage 2 (Epic Wealth)
The LOC flip strategy: cycle capital between credit facility and investment account to earn the spread. Understand flip anatomy (40% DTW / 60% IA), shadow loan cash flows, and booster strategies. This is the Income and Risk dimensions of IRIS.
Income Amplifier Project area Book (3 lessons) Income Sources (Basic/Intermediate/Advanced) Wealth Boosting Loans (8 lessons) Booster Strategies (10 lessons) Leverage Management (1 lesson) Safety Buffer (1 lesson)
Prerequisite: Stage 3 (Family Bank setup)
Deploy capital into the PLEX portfolio framework. Understand DTA, DSCR, utilization, the three tiers (Bedrock, Cash Flow, Hedge), and margin health analysis. The Freedom Portfolio is the target state.
PLEX (1 lesson) Freedom Portfolio (1 lesson) Leverage Management Strategies (1 lesson) Capital Amplifier Overview (5 lessons)
Prerequisite: Stage 4 (Income Amplifier understanding)
The Flow course builds on Leverage Management and PLEX. Four tiers: Awareness (see the flow) to Optimization to Systemization to Mastery. Money-in-motion strategy, MSA, inflation spreads. This course explicitly states: "builds on concepts from leverage management and from PLEX."
Flow Training (FLOW course, 40 transcripts) Inflation Spreads (module within Flow)
Prerequisite: Stage 5 (PLEX + Leverage Management completed)
Combine PLEX + Flow into the unified Freedom Engine. Run both systems via the Money Date protocol. Advanced accelerators, dynamic flipping (Year 3), and the migration from separate IRIS + PLEX to one account.
Accelerators Advanced (4 lessons) Transformative Conversations (3 lessons) Community CIS Calls (17 lessons) Community Calls PLEX Only (14 lessons) Family Bankers Brain Trust (13 lessons)
Prerequisite: Stage 6 (Flow Training completed)
The ARC Loop sits at the core of wealth acceleration. Scoring method for capital structure (strength, scalability, acceleration potential). Stress-tested across real market conditions. Capital Amplifier experienced through live simulation.
ARC Loop Advanced Training PLEX Graduate-Only Session
Prerequisite: Stage 7 (Freedom Engine operational). Post-Vegas 2026 content not yet ingested.
Every funding line is scored across all four IRIS dimensions. No single dimension should be optimized at the expense of others.
Start with one line of credit. Learn the flip mechanics: borrow, invest, earn spread, repay. Build the habit of the monthly Money Date. Understand DTW (debt-to-wealth) split.
JRD: HW PLOC x1791, $16K, 11.75%, 36-month term. 6 flips completed (Oct 2024 – Feb 2026).
Smart Credit Line tool consolidates multiple LOCs. Evaluate each through IRIS: Does it generate income? Is risk managed (DTA below guardrail)? Is insurance layer (Super Vault) in place? Are savings buffers adequate?
Tools: Smart Credit Line, Funding Line Estimator, Portfolio Analyzer.
IRIS (Income Amplifier) retires. One unified investment account: Freedom Engine = Flow + PLEX + Capital Amplifier. LOC paid to $0. Contributions route directly to M1 Freedom Engine. Smart Transfers activate.
JRD: Migration started April 2026. LOC at $0. Contributions rerouted to M1 Inbound x8684.
Advanced capital structure scoring. Three power dials. Stress testing across market conditions. Dynamic flipping adjusts amounts based on accumulated capital. Self-sustaining portfolio.
Status: Post-Vegas 2026 content pending ingestion.
| Dimension | What It Measures | Key Courses | Key Tools |
|---|---|---|---|
| I — Income | Cash flow yield, spread (cap rate − loan constant), income velocity, contribution optimization | Income Amplifier, Income Sources, Booster Strategies, Capital Amplifier | Dynamic Flipping, Portfolio Analyzer, Spread Calculator |
| R — Risk | DTA guardrails, DSCR above 1.0, utilization limits (60/50/40%), margin call threshold, IMR 28-32% | Leverage Management, Safety Buffer, PLEX | Margin Health Analyzer, Funding Line Estimator, PLEX Checkpoint |
| I — Insurance | Super Vault cash value, LTV safety, death benefit, tax advantages, whole life integration | Setup Family Bank, Power of Your Bank, Cash Value Maximizer | Super Vault Status, Cash Value Maximizer, Max Loan |
| S — Savings | Liquidity buffer size, reserve runway, emergency backstop, idle capital optimization | Safety Buffer, Epic Wealth (Pillar 2), Flow Training (Tier 1 awareness) | Compounding World Problem, Journey Planner |