HENRY Structural Bleed Audit
You're a high-earner. But are you building wealth? Calculate your Marginal Drag and see how your wealth is being drained.
1. Input Coordinates
Enter 2026 projected data.
Adjusts standard deduction & brackets
Includes CA SDI & Metro-Adjusted COL.
Projected 2026 Household Gross.
Mortgage, childcare, food, leisure.
Structural Liability
Government Share
Geo-Arbitrage Penalty
Metro Deflator
Your $1.00 buys approx $0.85 of goods in CA metros.
Are you paying full retail for civilization?
Net Real Wealth
True Discretionary
0% of Gross
This is your alpha seed. The rest was taxed or spent.
The Projection: Unindexed vs. Safe Lane
Compounding efficiency over 30 years (Inflation Adjusted).
The "Safe Lane" (Red)
Standard taxable brokerage. Buying dividends.
Net CAGR: ~4.5%.
Result: Risk of shortfall.
The Unindexed Path (Green)
Structural Alpha. Roth shielding. Growth assets.
Net CAGR: ~10%.
Result: Escape Velocity.
Stop Digging. Start Compounding.
You have a complex problem that requires an institutional solution. If you have over $500k in investable assets, let's check the plumbing.
DISCLAIMER: For illustrative educational purposes only based on projected 2026 IRS/SSA data. Actual tax liability depends on specific circumstances. Paraiba Wealth is a Registered Investment Advisor. Past performance does not guarantee future results.