How to Use "Still Broke" Cash Flow Diagnostic
The "Still Broke" Diagnostic is a personal cash flow diagnostic and lifestyle inflation audit tool. Millions of working professionals earn top-quartile salaries yet live paycheck-to-paycheck with minimal savings. This calculator isolates the "phantom leaks" that drain cash reserves (unmanaged digital subscriptions, daily food delivery markups, micro-convenience orders) and computes the true 10-year compounding opportunity cost if those leaked dollars had been invested in broad-market index funds at 8%.