What we're building.

Three companies. Suncraft is the design studio — the cash. Sefid is the long bet — the payoff. Aither is what's already in the bank — the cushion. Every slide after this fits into one of the four steps below.

Where we want to be by 2032.

What the life actually looks like.

The numbers are the means. This is the end. The life we're going for, year by year.

Getting married is also the smartest tax move.

Marriage unlocks tools we can't touch as partners. Most matter for the $25M+ exit by 2032. The wedding date is a tax milestone too — and when we marry, relative to the Sefid priced seed, changes how much exit wealth we can shield.

Four steps to get there.

Each step opens the next. Foundation in 2026. Hand-off and wedding in 2027. Family and growth through 2030. Liquidity and freedom by 2032.

Suncraft just started. The pipeline is real.

Four paying clients at $110k/month ≈ $1.32M annualized. Today the money is split — Aither C-corp (Jan-July 15) and Suncraft (post-formation). July 15 is the cutover — Aither stops earning, Suncraft starts at $0, all new revenue flows there. 1-2 more prospects likely landing August. Sefid prototype shipped; raise opens August.

The Sunspell ventures, today.

How it's all set up.

Three companies, one household. Each has a job. Each carries its own costs. That's what makes $50k a month at home cheaper than it sounds.

The structure — three legal entities + Sunspell as a brand umbrella.

How the money moves.

How we form the entities, in order.

Sunspell and Suncraft aren't formed yet — both are urgent. Sefid hasn't been formed either. Aither already exists as a C-corp and needs its own conversion decision. Order matters: the Oct 31 Sefid pre-seed close is the binding deadline, everything works backward.

How we keep $10M+ of the Sefid exit tax-free.

§1202 Qualified Small Business Stock — the cleanest federal tax break for tech founders. 100% gain exclusion at 5 years (50% at 3yr, 75% at 4yr under post-OBBBA tiered rules), up to $15M per issuer per shareholder. Get the structure right at formation and most of the Sefid exit pays no federal tax.

The architecture.

Stacking the exclusions.

The honest cutover · cash today and how it gets allocated.

David, this folds the cash-audit numbers and the investment-allocation strategy into one read. First: what we actually have. Then: where it goes by tax wrapper.

What we have.

David — being precise: Aither stops earning July 15. Everything after that flows to Suncraft, which starts from $0 on July 15. Here's the cash today, what comes in before the switch, and the honest 2026 P&L given the actual timing.

Liquid cash today.

Pre-July-15 · Aither's final earnings.

Post-July-15 · Suncraft starts at $0.

The honest 2026 combined P&L.

What we do with it · allocation by pool.

Two pools, two different strategies. Business money inside a C-corp wants liquidity + predictable yield (growth gets double-taxed on the way out). Personal money wants long-term growth in tax-efficient wrappers.

Pool 1 · Business Fidelity (Aither portion).

Goal: cushion + predictable yield · not growth. Growth inside a C-corp is double-taxed at realization.

Pool 2 · My personal Fidelity.

Goal: long-term growth in tax-efficient wrappers. Personal money compounds outside the corporate tax cage.

Coordination across both pools.

How the revenue engine pays for everything.

This is the post-July-15 steady-state run rate. Four clients at $110k MRR = $1.32M annualized. Real fixed cost base is roughly $890-940k (team + contractors + me and David). That's $380-430k of surplus at the run rate. 2026 totals are mixed — see the Cash audit slide for the Aither + Suncraft split.

What it costs today.

Where the cash comes from.

Sales targets by year.

Numbers, not vibes. Today's $110k MRR + 1-2 prospects in August already puts us in surplus. Every new logo on top is either household cash or accelerated Sunspell venture funding.

2026 targets.

2027 targets.

Of $50,000/mo after-tax cash: ~$32.7k funds our life, ~$17.3k compounds for us.

The $50k that lands in our joint checking each month is the AFTER-tax personal draw — all federal/NY/NYC withholding and estimateds already happen on the Suncraft side before this number. So $50k IS the spend-and-save bucket. Out of that: ~$35k funds our life (rent + household + my wellness + your personal + our discretionary), and ~$15k compounds (brokerage + HYSA + wedding sinking + backdoor Roth + a DAF wedge). The business cards (Suncraft, Aither, Sunspell) are a separate world — they pay for client work, our healthcare premium, our 401k Safe Harbor — and none of that is in here. This is just us.

Click any slice or legend row · primary card + biz-card portion + tax cite

The $50k by pocket · who pays for what.

Now the OUT side. None of the $50k itself runs through a business card; it IS personal cash. So the real question is which wallet absorbs each slice. Four buckets, all 100% personal: Jasmine personal · David personal · Joint shared · Auto-debit (savings + rent + taxes). The tiny "expensed back" line at the bottom is the only piece that touches a business at all (Suncraft reimburses cell + internet biz portion via accountable plan).

Suncraft budget sheet

David, this is just Suncraft. Sunspell has its own books (Wayeez sits over there and the intercompany fee shows up on Sunspell's income statement). Aither stops earning operating revenue July 15 and becomes an investment-only S-corp effective Jan 1, 2027 (see Aither drawer) · its K-1 yield flows separately and is not in this sheet. Two columns: CENTERLINE at $200k MRR ($2.4M annual) is the 2027 steady-state plan; FLOOR at $140k MRR ($1.68M) is the Q4-26/Q1-27 lower bound from slide 29. Floor column shows what holds (W-2 base salaries, intercompany fee, healthcare, 401(k), legal, insurance, employer payroll taxes) and what flexes (contractors, marketing, software, office, misc, your commission, expense reimbursements). The biggest structural choice on this page is Wayeez sitting on Sunspell payroll and Suncraft reaching her time via one §482-priced intercompany fee · that keeps the IP with the HoldCo and makes our services economics legible. Convention: base salaries shown UNLOADED on the people lines so employer payroll taxes, healthcare, and 401(k) match each live in their own G&A line and never double-count. The K-1 distribution is the residual and absorbs revenue swings · that's the line that moves when MRR moves. Tax cites only where they tighten a rule.

The wealth floor — what $17.3k/mo of savings becomes by 2031.

The pie on the prior slide is the monthly view. This slide is the long view. $17.3k/mo of SAVE in the pie + business-side benefits (401k Safe Harbor, healthcare via S-corp, NY PTET election) compound into a household floor that doesn't depend on whether Sefid hits. The Sefid exit is upside on top — not the foundation under it.

What compounds, by source.

The dial — discretionary tightening vs. SAVE.

The four bets, one page.

David, you have foundation decks for each of these (linked on each card). This slide is the at-a-glance read of the four bets together: what each one is, my confidence, and where to dig in. Setara is internal leverage, not a bet (it powers the others). The four below are the external story.