Joe has completed the full 7-week PLEX immersion (Calls 1-7, Jan 26 - Mar 9, 2026). He has the knowledge but has barely deployed. Only $400 in margin used out of $23.8K available. The PLEX portfolio has $4,000 (from 25% of flip profits). This is exactly where Fynanc expects a new PLEX user to be — conservative start, building confidence through Money Dates before scaling.
KPI for PLEX phase: Total Assets (not yield, not returns). Asset growth is THE metric in the "Row Capital" phase (Week 7 teaching).
One-page plan review. DTA/DSCR guard rails set. M1 brokerage confirmed (separate from IRIS). Annual passive income goal = living expenses gap.
Bedrock + Cash Flow holdings. Sub-pie architecture: Bedrock (30-35%), Income Engine (40-45%), Growth (15-20%). Not yet implemented in M1.
Small test transfer. M1 margin enabled. $400 test deployment completed. Margin Health Analyzer introduced.
Guard rails + postures. DTA and DSCR operating boundaries. Guard Rails Matrix from PLEX community call.
Smart transfers + automation. How capital moves between IRIS, PLEX, and personal. LLC routing through Diosana Group.
Full system test with small amounts. Money Date 2.0 is GLOBAL — covers ALL strategies (IRIS + PLEX) in one session.
Income Home account setup. New strategy launch process. Ongoing support (community, CIS calls). Guard rails are NON-NEGOTIABLE.
| Account | Balance | Purpose | Status |
|---|---|---|---|
| PLEX/Capital Amplifier x8902 | $4,000 | Equity positions (capital growth) | Active |
| PLEX/Capital Amplifier/HYCA x1773 | $0 | PLEX cash sweep (4.25%) | Not yet funded |
| M1 Margin (Available) | $23,856 | Available to deploy | 0.7% used ($400) |
| Income Home (pending setup) | $0 | Where income distributions land | Not yet created |
Week 7 taught the "Income Home" account setup as the final piece of M1 architecture. This is where income distributions land. Joe needs to create this within M1 to complete the full architecture: PLEX Invest + Sweep + Income Home + Borrow.
7-week call series completed Mar 9, 2026. All concepts taught: one-page plan, guard rails, margin, command center, capital routing, money date.
DTA (Debt-to-Asset) and DSCR (Debt Service Coverage) boundaries set based on Joe's certainty level (experience, market, asset).
Currently flat (all in one pie). Target: Bedrock 30-35% (stable, 5-6% yield) | Income Engine 40-45% (volatile, 12-15% yield) | Growth 15-20% (appreciation).
Final M1 architecture piece. Where distributions land. Completes: PLEX Invest + Sweep + Income Home + Borrow.
GLOBAL money date (covers IRIS + PLEX): 1) Assess direction (market → posture → guard rails → KPI), 2) Verify system health, 3) Allocate capital.
Start at 1/4 of flip size (if flip = $10K, margin = $2,500). Deploy into BEDROCK holdings only. Monitor weekly via Money Date.
As Money Dates build comfort: increase margin deployment. Track Total Assets as primary KPI. Stay within DTA/DSCR guard rails. Non-negotiable.
Matt McFarlane: Flow = monthly flipping (more efficient than 3-4 month cycles). Flow is PLEX and PLEX is Flow. Timeline TBD.
Sub-pies active, margin deployed per guard rails, weekly Money Dates running, Total Assets growing. Income Home collecting distributions.
| Parameter | Value | Rationale |
|---|---|---|
| Flip Size Reference | $10,000 | Current IRIS flip amount |
| First PLEX Margin | $2,500 | 1/4 of flip size (Fynanc rule) |
| Deploy Into | Bedrock Sub-Pie only | Lowest volatility holdings (UTG, UTF, senior loans) |
| Monitor Frequency | Weekly (Money Date) | Check margin health, guard rails |
| Margin Rate | ~5.9% | M1 Plus rate |
| Target Spread | 2-3% | Portfolio yield (8% target) - margin rate (5.9%) |
| Scale Condition | 3 consecutive Money Dates green | Build confidence before increasing |