Scores are editorial and relative within this atlas.

Every topic, every score

Topic	Time sensitivity	Rate sensitivity	Contribution leverage	Behaviour risk	Tax & fee drag	Horizon fit
📈 Compound interest	96	88	72	55	70	90
⌛ Time value of money	94	90	48	40	55	85
⚖️ Opportunity cost	78	70	60	65	45	75
🔢 Rule of 72	88	92	30	50	40	70
🌡️ Nominal vs real returns	82	86	45	48	60	88
✖️ Rule of 115	86	90	28	45	42	68
🎛️ Contributions vs rate vs time	90	84	95	58	55	92
📉 Fee drag	85	75	40	35	98	80
🧾 Tax drag	70	65	50	40	96	78
♻️ Reinvestment	80	78	70	60	55	85
📅 Dollar-cost averaging	72	55	88	30	35	75
🗓️ Capital gains timing	72	58	42	48	94	76
🌱 Early start advantage	98	70	85	45	50	95
🏃 Late catch-up saving	88	75	97	62	80	70
🎢 Sequence of returns risk	92	80	55	85	45	90
🏛️ Multi-decade & legacy horizons	95	78	50	70	88	98
🔓 Safe withdrawal rates	90	82	50	78	55	92
🪣 Bucket strategy	88	70	55	50	40	90
🧓 Longevity risk	96	75	60	65	50	97
🏦 Cash & high-yield savings	40	70	55	25	30	45
🧱 Bonds as ballast	60	82	35	40	50	75
🌍 Broad equity index	90	85	70	75	40	93
🤝 Employer match	75	50	98	30	55	80
🛟 Emergency buffer	45	40	70	30	25	55
💳 Debt payoff as return	70	92	85	40	35	65
🎯 Target-date funds	80	70	75	35	70	88
🔁 Consistency as a habit	85	45	92	88	35	80
🛒 Lifestyle creep	70	35	94	90	25	65
😱 Panic selling	88	60	40	98	20	85
🍩 Present bias	85	40	88	96	20	75
🗂️ Mental accounting	60	45	70	85	30	65
💵 Cash renaissance (2020s)	55	88	50	55	40	60
🔥 FIRE variants	90	80	93	70	65	88
📱 Auto-invest apps	65	55	90	35	75	70
🤖 AI advice caveats	50	55	45	80	60	55
⚙️ Paycheck automation	78	40	96	28	35	82

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