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sdc-strategy-library-v01

$MART DEBT Strategy Library v0.1 — the risk-first knowledge layer

Section titled “$MART DEBT Strategy Library v0.1 — the risk-first knowledge layer”

Background

Section titled “Background”

Strategic-Plan v2.0 Phase 1b. The ChatGPT brainstorming session converged on a single structural idea worth taking: the fundamental unit of the business is not an article, video, or chapter — it is a strategy, as a versioned record with a standard schema, sorted first by risk. Talbot had already independently decided to build a library of all debt strategies sorted on the primary axis of risk (session turn 3).

That library is the foundation everything else in the plan sits on: it is what the F.A.S.T.T. micro-apps apply, what a future Navigator navigates, what an advisor cites, and what an AI search engine finds and quotes. It is also the one Phase 1 workstream that needs no credentials, no deploy, and none of Talbot’s writing time.

Why v0.1 is deliberately small: the session proposed community pull requests, contributor reputation, strategy maintainers, red teams, and bug bounties. Per Brainstorming Upgrades #6, none of that is in scope — a solopreneur has no community to moderate and no maintainer bench. v0.1 is a published, non-interactive reference. Nothing more.

Sources that actually exist (do not invent beyond these — see Success Criteria):

  • ~/projects/monorepo/packages/sd-math/ — three fully ported and verified strategies: interest-only loan, term loan, RRSP catch-up loan
  • ~/projects/monorepo/packages/sd-math/docs/strategy-notes/smith-manoeuvre.md and debt-swap.md — deferred, notes-only
  • ~/projects/monorepo/packages/sd-math/docs/design.md, M5-M6-plan.md, accuracy-audit.md
  • Better-Rates-Strategy — the zero-risk first rung
  • Smart Debt Offerings — course-content section (interest-only→term-loan combinations, Buy More Low)
  • SDC/Strategy/IP/ and Identity/Internal View/Experience.md — the publication lineage

Tasks

Section titled “Tasks”
  • Define the strategy record schema and write it once as SDC/Strategy/Library/SCHEMA.md. Fields, from the session’s turn-3 proposal, filtered to what can actually be filled today: name · objective · risk classification · prerequisites · mechanism · benefits · risks · failure modes · costs · tax considerations · who it may suit · who should avoid it · implementation outline · evidence status · counterarguments · variants · related strategies · sources · version · last reviewed · open questions.
  • Define the risk axis explicitly — the primary sort key, and the one that governs Rule 1 of the Strategic Plan. Proposed tiers, to be justified not assumed: negative-risk (strictly better off, e.g. refinancing to a lower rate) · zero-risk · low-risk optimization · moderate · risk-magnifying (any form of borrowing to invest). Cross-check against SDC/Risks/JOB_DESCRIPTION.md and reconcile with sdc-behavioural-solutions-debt if that task has landed.
  • Add the secondary axes the session proposed, only where they can be filled from evidence: complexity · capital required · liquidity impact · reversibility · time to benefit · evidence strength · behavioural difficulty. Drop any axis that cannot be populated for most records — an axis with 3 of 25 values filled is noise.
  • Write 20–30 strategy records into SDC/Strategy/Library/, one file per strategy. Start with everything already verified in sd-math (highest confidence), then the notes-only strategies, then the rest.
  • Write SDC/Strategy/Library/Library.md — the index: every strategy in one table, sorted by risk tier, with objective and evidence status.
  • Add F.A.S.T.T. to Core/Misc/Glossary.md — Focused, Adaptive, Simple, Tailored, Trustworthy. The glossary currently records F.A.S.T. (four terms); the fifth was added 2026-09-06 and is now the design standard the library’s evidence status field serves. Flag, do not edit, the design-context skill in ~/ai-config/ — that deploys globally and is Talbot’s call.

Success Criteria

Section titled “Success Criteria”
  • Every claim in every record traces to a named source — a sd-math implementation, a repo strategy note, a KB file, or a cited external source. A record with no source for a claim marks that field unverified — needs Talbot, and does not guess. This is the single most important criterion: a fabricated financial strategy record is worse than a missing one, and this library is intended to be publicly citable.
  • Every record carries a risk classification, and the classification is justified in one line, not asserted.
  • ≥20 records published; the index table renders correctly in Obsidian.
  • The schema is written once and every record conforms to it — no per-record improvisation.
  • No community, contribution, or reputation mechanism is built (explicitly out of scope).

Notes

Section titled “Notes”
  • F.A.S.T.T. — Focused, Adaptive, Simple, Tailored, Trustworthy. The product-design standard.
  • RRSP — Registered Retirement Savings Plan (Canada). A catch-up loan borrows to fill unused contribution room.
  • Smith Manoeuvre — a Canadian strategy converting non-deductible mortgage debt into deductible investment debt as the mortgage is paid down.
  • SSOT — Single Source of Truth.
  • Note the Canadian/U.S. split: the ported strategies are Canadian-tax-modelled. Records must state their jurisdiction; do not silently present a Canadian strategy as applicable to a U.S. advisor’s client.
Section titled “Related”