HENRY Structural Bleed Audit
You hit the number. But you don't feel rich. Calculate your 2026 Marginal Drag and see why might feel structurally broke.
1. Input Coordinates
Enter 2026 projected data.
Adjusts standard deduction & brackets (Rev. Proc. 2025-32).
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.
"You are paying full retail price for infrastructure."
Net Real Wealth
True Discretionary
0% of Gross
This is your alpha seed. The rest was burned.
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: Insolvency risk.
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.