The making of Fuego.

September 4, 2026

A starting line, not a verdict

Portfolio balance goes back to being what it is for — the record of what was already there before you started logging.

• improvedThe checkpoints are the point. Portfolio balance no longer splits the change between two checkpoints into logged flows and “other movement.” That reading leaned on two separate records to explain one number, and it turned a plain reference into a verdict. The balances you recorded now stand on their own.
• improvedYour oldest checkpoint is your starting line. It is labelled as such, and the section says plainly what it is for: the ledger above only knows what you have logged since you began, so these markers remember what was already in the portfolio before that.

September 2, 2026

The churn detector returns

A streamline pass had removed it; it's back where it matters — with the one-tap repair and its undo.

• fixedMislabeled churn is caught again. Older sales logged before goal effects existed count as money leaving — even when you bought right back in. The debrief flags them, cites your portfolio-cash buys as evidence the proceeds never left, and offers “Mark all N as stayed-invested” — one tap corrects net saved everywhere, and Undo restores the exact originals. Labeling, not a loss.

September 2, 2026

Counted, and priced per unit

The holdings detail table says which price it means, and the debrief now counts what you actually hold — and what you saved — by kind.

• improvedPer-unit columns say so. The detail table's “Price” became “Price now / unit” and “Avg cost” became “Avg cost / unit” — two per-unit numbers that now name their basis, matching the ledger's convention.
• newThe census. The debrief counts your holdings by kind — “4 open positions: stocks & funds × 2, precious metals × 1, crypto × 1”, each with its priced worth — and the activity band adds a counted saving line for the selected period: cash × 15, stocks & funds × 7, precious metals × 2, with net dollars per kind.

August 31, 2026

One holdings story

The Logbook already explains saving. The holdings debrief now does one different job, clearly and quietly.

• improvedThe duplicate summary is gone. Put in, took out, and net saved stay with the goal and ledger. Holdings now opens on invested cost, value today, and gain or loss—with no second version of the savings story.
• improvedDepth is one choice away. At most two useful observations stay visible. Buys, sells, realized results, period controls, and the position table now live behind one “See holdings detail” disclosure.

August 31, 2026

Four intelligences

One round of distillations: the next milestone dated, a typo sentinel at entry time, the compounding story made visible, and a welcome-back note for the weeks you don't look.

• newThe next milestone, dated. Under the projection: “Next milestone · $800K FI-funded ≈ Mar 2027 at this pace” — the next round number, priced in time by the same engine as everything else.
• newThe fat-finger sentinel. While updating net worth, deltas shaped like typos get asked about — a value at exactly a tenth of last quarter's says “missing a zero, or real?”, ten times says the reverse, and a ≥50% (and ≥$10K) swing gets a gentle question. One tap confirms “it's real.” Questions, never verdicts.
• newWhose line is it? Under the History trajectory: across the visible span, how much of the climb your plan's saving rate supplied and how much compounding carried — stated as assumption-level, in the attribution vocabulary the audit keeps separate from sufficiency.
• newSince you last looked. Come back to the Logbook after a week-plus away and it says what your tracked holdings did at market prices while nobody watched. Lives where quotes live — in a local-first app, markets are the only thing that moves on its own.

August 30, 2026

Clearer trades, same books

New trades say where money moved; older entries keep the signed arithmetic they were recorded with, so an interface improvement never rewrites history.

• improvedHistorical totals stay intact. Older investment rows continue using their original signed amounts, so a matching sale and rebuy still net to zero. Fuego no longer asks you to repair them or silently changes what an existing entry means.
• improvedFuego opens after dark. A first visit now starts in dark mode—the visual experience Fuego was designed to lead with—while a returning visitor's saved light or dark choice remains untouched.
• improvedTrade choices speak plainly. Buys use “New savings” or “Reinvested cash”; sales use “Keep in portfolio” or “Cash out.” The nearby sentence now explains the result in one line.
• improvedCoast FIRE answers the uncomfortable what-if. When you are not there yet, the Dashboard now says what stopping contributions today would grow to by retirement—and the remaining gap—instead of stopping at “Not yet.”
• fixedExports mirror the restored ledger. The single-table ledger export and the workbook's Logbook sheet still carried the goal-effect columns the on-screen table dropped — screen and spreadsheet disagreed about what the ledger is. Both now show signed amounts, worth-today at quote, and the same footed pair as the screen.
• fixedThe FAQ tells the truth about links. It still described share links as un-revocable data-in-the-URL. Sharing has minted revocable, browser-encrypted short links for a while — the FAQ now says so, and a phone-width pass confirmed every page holds its layout at 375px.

August 30, 2026

Labeling, not a loss

Two honesty fixes for the saving band: it names what you actually bought, and it catches the mislabeled churn that can make net saved look like money vanished.

• improvedIt says metals when you bought metals. “Went straight into markets” was the wrong sentence for physical gold and silver. The invested bucket now names the actual kinds from your mix — “went into metals,” “investments — stocks & funds and crypto.”
• fixedLegacy churn stays netted. Sell and buy right back in and the original signed entries offset each other, exactly as they did when recorded. New trades use explicit portfolio-flow choices instead.

August 30, 2026

The debrief covers all of it

The debrief could only talk about tickers — cash and every other kind of saving were invisible to it. Now it opens with the whole Logbook's story.

• newThe saving, debriefed. A new first band reads every kind — cash, markets, other — on the goal's own arithmetic: put in, took out, net saved, how much went into markets versus stayed liquid, which kind carried the period, the biggest single move, and how many distinct months the habit showed up in. It follows the same year/All picker as the holdings detail below.
• fixedCash-only savers get a debrief too. The section used to require a market position to appear at all. Now the saving band earns the card by itself, and the position bands join in with your first ticker.

August 29, 2026

The ledger gets its old columns back

Put in, worth today, and a total you can check against its own column — the table that was working fine, working fine again.

• fixedPut in and worth today return. A refactor had swapped the ledger's columns for “activity value” and “goal effect,” and the totals stopped reading like the rows above them. Restored: the signed amount that moved, what each market row is worth at today's price with its ±%, and the footed pair — net cash in against worth today. Goal arithmetic still lives where it belongs, in the goal card and runway.

August 29, 2026

The debrief moves back under the ledger

Rows first, then the read.

• improvedThe Logbook's order is restored. The holdings debrief returns to its place below the ledger — you read the year's rows, then what they add up to — with its own numbered stop and the sections renumbered to match.

August 29, 2026

Recorded is never overdue

The net-worth editor judged your quarter by the calendar alone — a fully recorded quarter kept getting scolded two months after you filed it on time.

• fixedThe books outrank the calendar. The open quarter's status now reads the record, not just the date: a settled quarter says Recorded, a filled-but-unconfirmed one says Still a draft (with a nudge to confirm the carried rows), and Overdue is reserved for a quarter with nothing in it. The editor's header sentence follows the same truth.

August 29, 2026

The Logbook tells the truth first

Current positions, period activity, quote quality, and portfolio movement now read as one honest story—before the detailed ledger rows.

• fixedCurrent finally means current. Remaining basis, worth, unrealized performance, and position insights always carry every logged trade forward. Picking 2024 can no longer make today's holdings look like a 2024 snapshot.
• improvedActivity gets the period control. Pick a year for its buys, sells, and realized outcomes, or All for the full record. The table groups those activity columns separately from the position as it stands today.
• fixedGoal exclusions no longer erase shares. Excluding a transaction from the annual savings total leaves the actual position and cost basis intact. Deleting a transaction is the action that removes it from holdings.
• fixedA price is never relabeled. USD market data is converted into the workspace currency before valuation. If conversion or market data is unavailable, worth stays unknown rather than quietly becoming cost basis.
• improvedSignal before rows. The holdings debrief now comes before the continuous ledger, period choices contain only market-active years, and phones receive readable holding cards instead of a hidden sideways table.
• newWhat moved the portfolio. With two balance checkpoints, the Logbook separates the change explained by recorded contributions and withdrawals from other movement—clearly labeled as an explanation, not a return claim.
• improvedMore signal when the record warrants it. The debrief ranks distinct concentration, performance, completeness, coverage, and realized-outcome highlights. It shows the four strongest varied insights first, with a clear way to reveal the rest instead of repeating the same point in different words.

August 29, 2026

The position table says which clock it's on

It sits inside a year-scoped ledger but shows lifetime positions — correct math that read as a contradiction.

• improvedLifetime, labeled. The holdings debrief's position table now says it out loud: positions are lifetime — every logged year builds the units, average buy, and worth — while only the “· 2026” columns show the selected year's buys, sells, and realized results. The toggle reads “lifetime,” the units column reads “units now.”

August 29, 2026

The coast verdict follows your dials

Two honesty fixes for Coast FIRE: the what-if dials above it now actually move it, and the section says exactly which return rate it runs on — and what "no coast day" really means.

• fixedThe dials and the verdict share one basis. Dragging “market returns” or “retire at” drew a ghost curve while Coast FIRE kept answering for the saved plan — stacked confusion. The whole coast section (verdict, crossover, earnings, choices) now follows the dials, wears a “following your dials” chip while it does, and snaps back on reset.
• improvedThe rate is named. “Based on your assumptions” is not a number — the footnote now states the blended rate across your actual mix (each account at its own Settings rate), including any what-if adjustment currently applied.
• improved“Never arrives before 42” said too little. No coast day means something specific: even saving the whole way, the plan doesn't reach the FI number by the target age — so there's never a point you could safely stop early. The section now says that, and names when FI actually lands at today's pace instead.

August 29, 2026

Coasting, in plain words

The Coast FIRE section now answers like a person: the day coasting starts, what coasting actually means, and the two moments that make it real — when your money out-earns your saving, and what it earns today.

• improvedThe headline is the date. Coast FIRE leads with the plain answer — “You could stop saving today,” “Coasting starts ≈ Mar 2032 · age 41,” or “Coasting isn't on the calendar yet” — and one sentence defines the word: from the coast day on, growth alone reaches your FI number by your target age, and further contributions stop being needed.
• improvedThe crossover and the earnings are back. A refinement pass had dropped them; they return under the coast verdict — the month your portfolio's own growth passes what you save each year, and what it earns on its own today against your saving and your spending target — now computed by the same per-asset engine as everything else on the card.
• fixedThe Projection stays in its own book. The “prefer plain arithmetic? see the Logbook’s table” link is gone — the Logbook is deliberately a separate ledger, and pointing across the wall read as the page outsourcing its own explanation.

August 28, 2026

Every nudge now has a price tag

Fuego was honest about where you stood but vague about what a change was worth. Now the push is always a consequence in time — months of FI date won or lost — never a pep talk.

• newThe pace, priced. The Logbook runway's “landing at 70% of goal” now says what that actually costs: kept up for good, this pace pushes FI out ≈ 11 months — or pulls it in, when you're ahead. Same engine as the dashboard projection, so the two can never disagree.
• newThe goal, challenged. Your annual savings goal now gets a verdict where you set it: whether it clears the monthly amount your target retirement age actually needs — and the size of the gap when it doesn't.
• improvedA raise, in months. The projection's game plan used to say an extra $500/mo “noticeably moves the date.” Now it names the date and the months won — and the on-track plan gained a “want it sooner?” line, because ahead is also a place you can push from. The dashboard digest's version of the same number now runs on the same engine, so the two surfaces always quote the same months.

August 28, 2026

Three dates instead of a ledger

The Coast FIRE math in the Projection was a table of inputs you had to assemble yourself. Now it answers plainly — when saving becomes optional, when your money starts out-earning you, and what it earns today.

• improvedThe coast day, as a date. “When can you take your foot off the gas?” now leads with the answer: the month growth alone starts reaching your FI number by your target age — or “already behind you” when you're past it. One sentence under it says what that means.
• newThe crossover. A new tipping point Fuego didn't name before: the month your portfolio's own yearly earnings pass what you add each year — the day your money becomes the household's bigger saver. Same arithmetic as the “what it earns” figure, so the two can never disagree.
• improvedEarnings you can feel. What the portfolio makes on its own is now anchored to the two incomes you actually experience — as a share of what you save each year, and of the spending target it will one day cover.

August 28, 2026

The Plan learns to hold still

The Plan page was honest machinery arranged dishonestly: dials at the bottom, their effects at the top, and three different vocabularies for "this is temporary." Rebuilt around one rule — you should never have to scroll to see what a change did.

• newThe answer follows you. A slim rail pins under the header as you scroll — your retirement age, the live room or gap, and what you're testing, with a one-tap reset. Turn any dial anywhere on the page and the consequence updates right at the top edge, not two screens away.
• improvedOne stop for every adjustment. The recommendation cards, the three dials, the confidence bar, the planning reserve, and the trade-off curve all edit the same test — so they now live in one numbered stop instead of five scattered sections. The reserve shrank from a full-width panel to one honest sentence with the controls in it. The walk is now: adjust, the house, the proof, under the hood.
• improvedOne word for temporary. “Try it — nothing saves,” “what-if only,” and “temporary · resettable” were three names for the same state. Now the page says it once, the tray at the answer tracks every live change, and only the two facts that genuinely persist wear a “saves to your plan” label.

August 28, 2026

The debrief gets its ledger — and the demo stops doubling

A QA-and-adversarial sweep over the week's Logbook intelligence: the holdings debrief grows a full position table, a demo-data duplication bug dies at the root, and the goal badge learns the same arithmetic as everything else.

• newThe position table. At the bottom of the holdings debrief, an expandable table now sums every holding: units held, lifetime average buy, what you bought and sold this year at what average rate, price today, worth now, and unrealized and realized results — so a year of buying the same ticker at five different prices reads as one honest line. The ledger's Excel export carries the same columns on its Positions sheet.
• fixedDemo data could quietly double. Sample savings entries were seeded with random ids, so a second seeding pass — a double-tap on “Explore with sample data”, or a dev-mode remount — appended all 28 rows again and doubled every Logbook number. Seed ids are now deterministic, re-seeding overwrites instead of appending, and loading the sample replaces the books outright, repairing any already-doubled demo.
• fixedOne arithmetic for the goal, everywhere. The yearly-goal badge still summed raw signed amounts, so a trade whose cash never left the portfolio could move badge progress while the Logbook said it changed nothing. It now uses the same canonical goal arithmetic as the Logbook, the reviews, and the exports — and the FAQ now describes the ledger as it works today.

August 28, 2026

Matching pills — and the font we thought we had

The two single-table exports now wear the same button, and fixing that surfaced something bigger: the app's body text had been quietly rendering in the system font all along.

• improvedOne export look everywhere. The History balance sheet’s export was an underlined text link while the Logbook ledger’s was a proper pill button. Now they’re identical twins — same pill, same icon, same hover.
• fixedFuego is actually in Inter now. A Tailwind v4 subtlety meant the body font declaration silently never applied, so most text rendered in your system’s font instead of the one we designed with. Subtle on a Mac, not on everything else — fixed at the root.

August 27, 2026

One tap to share, everything to take

Sharing lost its homework: every artifact is one tap and one pretty link, and the paperwork — the PDF report, the Excel workbook, and new single-table exports — now lives where you'd look for it.

• improvedOne link, one tap. The short-vs-long link choice is gone — sharing your dashboard or a Year in Review mints the pretty encrypted link in a single tap, with the facts in the row before you press and in the confirmation after. The self-contained long link still exists, but only as the automatic offline fallback, said out loud when it happens.
• newThe paperwork joined the Share menu. The designed PDF report and the full Excel workbook — previously buried in Settings — now sit under “Take it with you” in the Share menu everywhere it appears. Settings keeps its buttons too.
• newSingle tables, single files. The Logbook ledger exports itself — the exact rows on screen, year or all years, with the same worth-today prices — and the History balance sheet does the same, role column and all. Clean one-sheet workbooks, styled like the app.

August 27, 2026

The Logbook keeps distilling

• improvedPlan vs actual became one line. The whole quarter-pace card boiled down to its load-bearing sentence, now sitting inside the goal card — “Q3 · 63% gone · $9K of $15K logged — on pace” — so Log a save moved up a full card's height. The graph-paper texture behind the working zone is gone too.
• improvedThe form wears the direction. Flip Log a save to “took out” or “sold” and the whole card washes faintly red; money in washes it green — the state reads before a single label does. Unit prices and proceeds now always show proper cents ($275.90, never 275.9).
• fixedThe debrief got smarter about selling. A position you sold out of is a realized outcome now — “you closed out SHLD — a realized loss of $275” — never “100% under water.” Partial sales bank against your true average buy, house-money positions get named, a ledger with more sold than bought gets flagged instead of summed, and the new totals strip separates basis, worth, unrealized, and realized — because banked money is a different fact than paper money.
• newThe holdings debrief. Below the ledger, a new section reads what your granular buys are doing — concentration (“no single bet can sink the year”), your best buy, anything sitting under your money in, and the average-vs-today read (“your average XAU buy is $2,400/oz — it trades at $4,608”). Computed from the same rows and quotes as the ledger above it, so the two can never disagree.

August 27, 2026

The mail and the paperwork

The surfaces that leave the app — the quarterly reminder email and the PDF and Excel exports — caught up with the brand and the canon.

• improvedThe quarterly reminder wears the real colors. The email that lands when a quarter closes was still dressed in a palette the app abandoned months ago. It now matches the house — bone paper, ink, the lime button — with the ritual's honest framing: your accounts carry over, you just update the balances. Plain-text twin, one-click unsubscribe, and it never sends twice.
• improvedExports learned the headline number. The PDF and Excel exports predate FI-funded — the number the whole app runs on. The PDF now prints it beside the FI number, and every asset row carries its engine / part engine / stored value tag. The spreadsheet gains a Role column on the net-worth sheet and, on the plan sheet, FI-funded today, funded progress, engine share, and the steady-path retirement age.

August 23, 2026

One home for every number

An afternoon of owner rounds on one theme: every number lives in exactly one place, every verdict names its question, and the dashboard reads lighter for it.

• fixedOne story about who's doing the lifting. The debrief could correctly say compounding produced most of your gains while the Coast FIRE note said your contributions were “doing the heavy lifting” — two different questions wearing the same words. The Coast note now says what it means: growth alone can't reach FI by your date yet, and what you keep adding is what closes the rest. Attribution stays the debrief's job.
• improvedThe FAQ caught up with the Plan. Three new answers distill the rebuilt page — how to read the walk, what the trade cards do and why one tap lands inside the edge, and how to get back to your saved plan from any what-if. The bridge answer also points at the engine table's new home in the Logbook.
• fixedOne Coast FIRE verdict. The projection summary judged coasting against your FI-funded number while the full-math panel one click below judged it against pre-debt investments — with any unsecured debt they could disagree. One numerator now, everywhere. And the projection says out loud what it is: the average's answer, with the Plan as history's harsher test — when they differ, trust the harsher one.
• improvedThe date lenses became a caption. The three-tile retirement-date strip looked pressable but wasn't — and on the Plan it stacked one more input-looking layer onto a page that's already all decisions. It's now one quiet line under whichever date a page headlines, naming the other two lenses as plain links to where each is computed. Same honesty, no furniture.
• improvedThe spread moved home to History. The dashboard's account-by-account table repeated what the balance sheet already shows, so the live dashboard now links there instead — and History inherited the spread's literacy: every asset row carries its engine / part engine / stored value tag, and the group headers carry the percentages the spread showed — Assets with its engine share, Liabilities with the debt load as a share of assets. A shared dashboard link keeps the full spread — for a viewer, that table is the point.

August 23, 2026

Three lenses and a seal

Every place that names a retirement date now shows the same three honest lenses, closing a quarter earns a truthful moment, and two quiet correctness fixes make the numbers harder to fool.

• newOne date, three lenses. Everywhere Fuego names a retirement date, it now shows the same spectrum: the steady path (same return each year), the history-tested read (the prudent one), and the age you chose — with the lens you're looking through lit. Different answers stopped being contradictions; they're labelled questions.
• newClosing a quarter earns its moment. Sealing a quarter now tells its story — what moved, the biggest gain and drag by account, and how many months your FI date shifted. Honestly: a down quarter gets “the signal is clear,” not confetti, and a backfilled quarter sets a baseline instead of faking a celebration.
• fixedThe contribution read got stricter. The saving rate Fuego reads out of your history now derives from your FI engine's growth, not total net worth — so a home appraisal or mortgage paydown can no longer masquerade as portfolio saving.
• fixedImports fail loudly, not halfway. Restoring a JSON backup now validates every field and names exactly what's wrong instead of half-loading a damaged file. Older sample datasets are also recognised and labelled as demo data — your real books are never touched.

August 22, 2026

Six signals and a plan studio

• improvedThe Plan is a numbered walk. Four stops — choose a move, tune the studio, stress it, inspect the machinery — now carry their numbers, and a one-line index under the answer jumps to any of them. Read it in order or dive straight to the part you came for; either way you know where you are.
• improvedThe Logbook's working zone stands on its own stage. Log a save and the ledger — the two places your hands actually go — now share one full-width band that breaks the column, so the working zone reads apart from the read-only sections around it while every card keeps the app's normal skin.
• improvedOne table, one home. The year-by-year engine table appeared on both the dashboard and the Logbook — the same numbers twice, which read as two different things. It now lives only in the Logbook, beside the saving it describes, with a one-line link from the dashboard's projection. The dashboard also stopped warning about the age-59½ lockup twice on one page.
• fixedHome paths now use different math. Downsizing includes the replacement home, selling to rent does not inherit that purchase price, and borrowing starts from its own editable loan assumptions. The card also names the ongoing rent or borrowing costs that still belong in the Plan.
• fixedEvery resilience score is visible. Each hexagon side now fills proportionally along its outer edge, so a score below 50 no longer disappears behind the center badge.
• improvedOne reserve now guides both Plan trades. Budget and retirement-date recommendations leave the same visible annual cushion beyond the saved plan. It defaults to 10% of the saved budget, can be adjusted in place, and never pretends to be a tax or healthcare estimate. Selecting 0% shows the model-supported maximum without adding another competing action to each card.
• improvedThe Plan now shows decisions, not drawers. The three everyday levers and home-conversion decision now come before the stress evidence, so the page reads decide, tune, then validate. Long charts and technical inputs still fold away, but the parts that change a life no longer depend on finding them.
• fixedEvery what-if has a way back. Budget, retirement age, home conversion, evidence bar, spending strategy, and advanced overrides now collect in one persistent tray. Each can be removed individually or reset together; saved stock-mix and income facts live in a separate, clearly labelled zone. The top answer also compares two labelled amounts instead of using a rail that looked like a disabled slider.
• improvedHome conversion, one decision at a time. Choose downsize, sell, or borrow; set the age; see what reaches the FI engine; then open the detailed sale-and-cost math only when you want it. Borrowing also no longer carries a hidden replacement-home cost after switching scenarios.
• improvedResilience, as a shape. The debrief's score is now a six-faced prism. Cash runway joins mix, debt, consistency, liquidity, and the withdrawable engine as a fully scored signal, with its own KPI showing how long life can go wrong before an asset must be sold. A lopsided portfolio literally looks lopsided.
• fixedHelp bubbles stay on screen. The little “what is this?” tooltips could get clipped by the card they sat in or run off a phone's edge. They now rise above everything, flip to whichever side has room, and keep a margin from the viewport.
• fixedOne row, one height. Export PDF in Settings → Your data was a size smaller than the buttons beside it — now it lines up.

August 21, 2026

The home conversion answers back

• improvedModelling your home now says what it did. Clicking “Model downsizing” in the Plan could look like nothing happened — especially when the suggested numbers net to zero after the mortgage, costs, and a smaller place. The panel now states plainly whether it's in your plan or not changing it yet, and the verdict at the top carries a matching note either way, with a link between the two.
• improvedOne click back to the lever. The verdict's home-conversion note now jumps straight to the panel it describes — opening the folded numbers section for you — and the control there is a proper “Remove from plan” button instead of a small text link.
• improvedPlainer words on the FI card. The second lens said “balance-sheet view”; it now says what it means — every asset counted, home and cars too.

August 21, 2026

The numbers found their pulse

The dashboard rail now feels as alive as the progress it carries — brighter, more dimensional, and easier to read at a glance.

• improvedFI progress is a beacon now. The funded ring gained a chromatic signal, quiet orbital motion and two concrete readouts: how much the selected lens counts today and how much remains. Switching between FI-funded and all net worth now changes a whole visual story, not just a percentage.
• improvedYour percentile became a field of 100 lights. “Where you stand” now shows the households you outrank, marks the median and calls out your exact position — with the same local-only, context-not-verdict benchmark underneath.
• fixedThe Trajectory axis is clean again. Its accessible “Net worth by quarter” table is now hidden as one sealed unit, so a browser can't let the caption drift into the chart while screen readers keep the full data.

August 21, 2026

The right books, every time

Account changes, backups and deploys now share one rule: finish safely against the person and data that started the work. Plan controls are easier to use on a phone, too.

• fixedSigning in always completes the first pull. A safety check meant to stop one account's data crossing into another could mistake an ordinary sign-in for an account switch and stop the cloud pull it had just begun. The account change is now recorded before syncing starts, so the right books arrive.
• fixedImports and resets stay with their owner. Even if the active account changes while a backup or reset is still finishing, its local work, cloud mirror and pending uploads remain attached to the account that requested them. A saved edit now includes its durable upload ticket as well.
• improvedPlan dials are friendlier to thumbs. Sliders, number fields and compact actions keep the same editorial proportions while offering a full-size mobile touch area. Deploy refreshes also wait through sign-in merges and sample loading, so no operation is caught halfway through.

August 21, 2026

Writes know whose they are

A seventh adversarial review chased the last places where a write could outlive the account that made it. Every deferred write now carries its owner with it, long-running syncs abort cleanly when you switch accounts, and the deploy checker stops crying wolf.

• fixedEdits never follow you to another account. Signing out at exactly the wrong moment could carry a still-saving edit — or an in-flight cloud pull — into the next account's books. Every deferred write now captures its owner the moment you make it, and a sign-in pull that loses its account mid-flight aborts without writing a single row anywhere.
• fixedThe upload queue is tab-safe. Two tabs could overwrite each other's queued uploads or push the same batch twice; queueing and flushing now serialize per account. Leaving demo mode also joins the same write lock, so a slow write can't resurrect data you just cleared.
• fixedDeploys stopped crying wolf. The build check that guards the auto-refresh flagged a healthy release as broken (it mistook its own comparison text for a second version stamp). It now verifies the one expected stamp directly — and every write, wherever it starts, holds the refresh off until it has landed.

August 21, 2026

One lock, every writer, every tab

A sixth adversarial review found the edges of the last round's fixes: the write lock only guarded one tab, a queued write could land in the wrong account, and the deploy-refresh could fire at the wrong moment. All closed.

• fixedA write always lands in the account that made it. Switching accounts at exactly the wrong moment could deposit one account's pending settings change into the other's data. Every write now captures its target before it waits its turn — across accounts, and across browser tabs, which previously each had their own idea of “one at a time.” Sync, import, reset, and sample-loading all go through the same lock now too.
• fixedThe deploy refresh waits for you. The auto-refresh that retires outdated tabs could fire while an edit was still saving — and, due to a build quirk, fired once for every new visitor on a fresh deploy. It now uses a stable release identifier (verified on every build) and never reloads while anything you typed is still on its way to disk.
• improvedQuieter sync. Merged settings now serialize to identical bytes on both devices, so two phones stop politely re-uploading the same content back and forth.

August 21, 2026

Writes that can't trample each other

A fifth adversarial review went after concurrency: two settings changes landing at the same moment could erase each other, and finishing onboarding in one burst could swallow most of its XP. Both fixed at the root, plus one honest setup checklist.

• fixedSimultaneous changes both stick. Two settings writes landing at once — a dial change while a badge pays out, three onboarding steps finishing together — used to keep only the last one. Every settings write now runs through one atomic queue, so XP, streaks, milestones, and dials can't overwrite each other. Ties between two devices editing the same dial in the same millisecond now resolve identically on both.
• improvedOne setup story. The getting-started card said “two steps” while counting to three and putting the plan before your numbers. Now it's truly two: add your net worth, then bring the plan to life — with the Logbook as an optional next move, not a requirement. The All Set badge agrees.
• improvedOld tabs retire themselves. A browser tab running last week's version now notices a new deploy within a few minutes and refreshes itself once — so two vintages of the app stop syncing against each other for days.

August 21, 2026

The sync promises get kept

A fourth adversarial review checked whether the last round's fixes actually ran in production. Two didn't fully — the per-field settings merge was never fed its timestamps, and deletions could fail to cross between app versions mid-deploy. Both closed, with tests that exercise the real code paths this time.

• fixedPer-field settings sync now actually engages. The merge that keeps one device's retirement-age change from erasing another's spending change existed — but the timestamps that drive it were never written outside a test. Every settings change now stamps exactly the fields it touched, and streaks and activity counts merge without ever regressing.
• fixedDeletions survive a deploy in progress. A tab running last week's version and a tab running today's identify accounts differently, so a deletion made on one could quietly resurrect on the other. Removals are now recorded under every identity an account is known by, in both directions.
• fixedOne paycheck number, debts included. The Debrief's “engine paycheck” quoted what your withdrawable assets could pay before subtracting unsecured debt — slightly more than the FI-funded number the dashboard headlines could actually sustain. It now draws on the same canonical amount, before and after the stress test.
• improvedKeyboard flow stays intact. Choosing an artifact in the Share menu no longer drops keyboard focus to the page (and Escape returns you to the Share button); the History trajectory toggle now behaves like every other toggle instead of impersonating tabs; and grouped toggles announce their labels reliably in screen readers.

August 21, 2026

Accounts get durable identities

A third adversarial review reproduced two real sync bugs in the new merge — an offline rename could double-count an account, and deleting one of two same-name accounts could delete both. Both dead, plus the settings object now merges per field.

• fixedA rename is a rename, not a new account. Sync identified accounts by name, so renaming one offline could merge back as both names — the same balance counted twice, silently. Every account now carries a durable identity that survives renames, carry-forward, and devices; deleting one of two same-name accounts deletes exactly that one; and merges with equal timestamps resolve identically whichever device asks.
• fixedSettings merge per field. Your laptop's retirement-age change and your phone's spending change used to fight as whole objects — one device always lost. Each setting now resolves on its own clock, and the loss-averse ones merge by content: dismissed milestones union, badges union, XP takes the max.
• improvedOne share path, one honest demo, two-step setup. Settings' old one-tap “Create share link” now opens the same preview as everywhere else — one link-creation flow in the whole product. The landing page's example is computed from the real demo books with the real selectors, target on display. And setup is two steps in the right order — net worth first, then the plan — with the Logbook as the bonus it always was, never a gate. Toggle controls across the app also now describe themselves honestly to assistive tech (pressed buttons, not phantom tab lists).

August 21, 2026

Sharing slows down, evidence speaks up

Four more findings from the second review: a share flow that explained itself only after the fact, Plan evidence that charted a different number than the answer above it, a dialog primitive that allowed namelessness, and a phone hero that put bright light behind body text.

• improvedSharing is a choice now, not a reflex. Every share — menu, milestone, mobile — opens a preview first: a short link (encrypted in your browser, ciphertext on our server, revocable when signed in, ~180-day expiry as a guest) or a long link (everything rides in the URL, nothing stored, nothing revocable) — chosen explicitly, with the one warning that matters stated where you click: anyone who keeps a copy of either full link keeps access. Settings and the privacy page now describe both kinds the same way, and the claim that deleting a message fully retracts a long link is gone, because it wasn't true.
• fixedThe Plan's evidence can run the recommendation. “How it played out” charted your current budget while the verdict above recommended a different number — evidence for the wrong claim. It now names which plan it's showing and flips between your budget and the recommended spending, failures and all. “For the rest of your life” became “through the modelled horizon,” and “work you needn't do” softened to “could retire earlier under these assumptions.”
• improved“Where you stand” returns to the rail. Moving the percentile into the debrief left the FI gauge floating alone in its column. It lives under the gauge again — the right rail reads as a pair, and the debrief keeps the score, the stress test and the pattern.
• improvedDialogs can't be nameless, and phones got a darker plate. The shared modal now requires an accessible name at the type level — which instantly surfaced two unnamed dialogs — renders in a body portal, and makes the page behind it truly inert. And the landing hero's light river sits behind a uniform dark plate on phones, where the desktop diagonal had left body text on bright violet.

August 21, 2026

Two devices, one truth

A second adversarial review found the two ways Fuego could still disagree with itself — across your devices, and across its own screens. Both are closed.

• fixedSync merges account by account. Editing your brokerage on the laptop while your phone updated your cash used to mean whichever device synced last won the whole quarter — the other edit vanished, silently. Each account now carries its own timestamp and resolves on its own: both edits survive, deletions hold across devices instead of resurrecting, and an edit made offline is never discarded before it uploads. The one case that stays visible rather than automatic: rename an account on one device while editing it on another and you'll see both rows, to reconcile yourself — shown, never silently chosen.
• fixedEvery FI percentage is the same percentage. The review caught three answers to “how close am I”: the dashboard (right), the landing page (hardcoded), and badges (still judging total net worth — so a house-rich account could summit while the engine sat short). Badges now judge FI-funded like everything else — earned badges stay earned — the landing demo computes its number from its own rows so it can't drift, and the masthead's “× expenses” tooltip finally names the basis it was already using. A test now holds every surface to one ratio.

August 21, 2026

The debrief comes back out

A fold that lasted two days: hiding the debrief behind a click read well in review and badly in use.

• improvedThe debrief renders expanded. Folding it to a summary line was an outside reviewer's idea and a reasonable one — but the debrief is the daily read, and the teaser just added a click to every visit. It's open by default again, percentile and all, and the dashboard's accessibility checks now scan the whole of it.
• improved“The Plan's test” is a link. Settings kept saying the Plan would test whether your withdrawal rate survives your horizon — now the words take you there.

August 21, 2026

Three things in the top bar, and a page that steps aside

Mobile chrome and accessibility, from the outside review: the phone header breathes, overlays truly take over, charts carry their numbers, and the whole composed dashboard now runs through automated accessibility checks.

• improvedThe phone header is three things. Logo, Update, More — five 40px controls plus a button had squeezed the logo to nothing at phone widths. Your level, Share, and the theme toggle now live at the top of the More panel on mobile; the bottom tabs carry the navigation, as they always did.
• improvedThe balance sheet opens on the latest quarter. The sheet reads oldest-to-newest left to right, so both the page view and fit-to-screen started you on the one column you didn't come for. They snap to the newest now.
• improvedOverlays take the whole stage. When a full-screen editor or the fit-to-screen sheet is open, the page underneath goes genuinely inert — out of the tab order and the screen-reader tree, not just dimmed. The trajectory chart now carries its numbers as a real (screen-reader) table, form labels attach to their fields reliably, the More panel stops claiming to be a menu it wasn't, and the entire composed dashboard — masthead to debrief — passes automated accessibility checks in the test suite.
• improvedThe withdrawal rate knows how long it has to last. The 4% rule was tested on thirty-year retirements — so when your target age implies a horizon well past that, the Settings dial now says so, with the range early retirees actually plan at (3.25–3.5%). And “sets your FI number to $X” names the rate it stands on. The formula stays yours; the Plan remains the test of whether your rate survives your horizon.

August 21, 2026

The Plan learns some humility

“You can afford more” reads as advice; “under these assumptions, this supported…” reads as evidence. The Plan now speaks in the second voice, with its biggest blind spots named right beside the verdict.

• fixedA long-lived tab heals itself after a deploy. Fuego ships often, and a tab opened before a deploy could hit an error the first time it loaded something new — like opening “show the full math.” The app now notices that exact failure and refreshes itself once, automatically; only a genuine error still shows the error page, which now also says the honest fix.
• improved“See the math ↓”. The retirement answer used to end with “the Projection section holds the working” — a sentence that names a place instead of taking you there. It's a link now, and it scrolls.
• improvedThe verdict is conditional now. “Under these assumptions, retiring at 60 supported $67,000 a year” — past tense, because it's a reading of history, not a promise about yours. And the exclusions that could move the number most sit directly beneath it: taxes, healthcare and ACA subsidies, long-term care, and spending that changes with age are not modelled, so the budget is a gross figure with those on top. That caveat existed — four folds down. Now it's beside the claim it qualifies.
• fixed“Indefinitely” was a word too far. The projection panel described the 4% rule as paying out indefinitely — while the Plan two pages over exists precisely to test whether it survives a finite retirement in the wrong order of markets. The sentence now says that's the FI bar, and points at the Plan for whether it holds.
• improved“Monthly spending in retirement”, not “income”. The setup dial asked for your desired monthly income — but Social Security and pensions are income too, and they're modelled separately. The dial, its setup notes, and the Plan's provenance copy all say “spending” now, which is what the number always was.

August 21, 2026

The trim

Four cuts from the same review: nothing renders twice, the headline number explains itself, and comparison content waits with the rest of the analysis.

• improvedSettings lost its second projection. The full projection panel — what-ifs, Coast breakdown, chart — rendered in two places: behind the dashboard's “show the full math” and again, in its entirety, on Settings. Settings is for dials; the analysis now lives only where the answer does, and every Settings section renumbered cleanly for guests and accounts alike.
• improvedThe FI card explains itself, always. The one-sentence definition of FI-funded was welded to the card's two-tab chrome, so an all-engine portfolio — the very people doing everything right — never got told what the number means. The sentence renders on every card now.
• improvedThe percentile moved in with the analysis. “Where you stand” is comparison, not part of the am-I-there-yet story, so it left its permanent rail slot and lives inside the debrief — which now opens with the clearer invitation: review your financial structure.

August 21, 2026

One story, told once

An outside review counted eleven overlapping answers and said the quiet part: the app made you assemble the hierarchy yourself. Now there is one story — what you have, what can fund retirement, what that means, what to do next — and everything else waits behind a click.

• improvedOne name for the number. “FI-funded” and “withdrawable engine” were the same figure wearing two names across four surfaces. It's FI-funded everywhere now — the FI card's tab, the projection table, the Plan's dial — with “engine” kept only where it explains what counts and why.
• improvedOne next move, not three lists. The dashboard offered “smart moves,” a game plan, and numbered next steps — three sections of advice competing for the same decision. The Projection section now carries exactly one: the single best action for where you stand. The rest still exist, inside “show the full math” and the debrief, where depth belongs.
• improvedThe debrief waits to be asked. The resilience score, stress test and pattern analysis now fold to a one-line summary — the score, the grade, and how much is inside — and open on a click. And the masthead says which books the big number stands on: settled through Q2 2026, or flagged as a draft — and sharing while a draft is open now says the draft rides along.

August 21, 2026

A skipped account can no longer settle as zero

The worst bug an outside review found, fixed: enter nine balances of ten and skip one, and the tenth used to be written into your history as a real $0.

• fixedThe books refuse to settle a skipped row. Both editors now know the difference between “I set this to zero” and “I never got to it.” An account still showing $0 that held value last quarter stops the settle: the mobile flow adds a review step — “Savings was $20K: still $20K, or really $0 now?” — and the full sheet raises the same question above the table. Nothing closes until every account is answered for, and the review ends with the tally: 3 accounts confirmed · 1 unchanged. Accounts that were dropped entirely get named too, instead of vanishing.
• new“Same as last quarter”, one tap. Most balances don't change much in a quarter. Each card in the mobile update now offers last quarter's figure as a single tap that records it and moves on — the honest version of skipping.
• improvedThe editors are real dialogs now. Both full-screen editors and the fit-to-screen balance sheet announce themselves to screen readers as modal dialogs, keep keyboard focus inside, close on Escape, and hand focus back where it came from — instead of leaving the whole page underneath silently reachable.

August 20, 2026

Pace moves home, and the stress test tells one story

Findings from an outside review: the one dashboard card that read the Logbook now lives in the Logbook, the rough-year stress test uses the same FI basis as the headline, and some words got more honest.

• improvedPlan vs Actual lives in the Logbook now. It was the one dashboard card wired to the Logbook — a deliberately separate ledger — which made the separation look accidental. The quarter's pace now sits right above “Log a save”, where the saves it counts actually happen.
• fixedThe stress test contradicted the headline. The Debrief's rough-year card measured “FI progress” against total net worth, so a house-rich account could read 81% there and 49% at the top of the same page. It now runs on FI-funded, before and after the shock, like every other claim about reaching independence.
• improvedMore honest words, and labeled controls. The sign-in screen no longer says “only you can ever see your numbers” — cloud data is access-controlled and encrypted, which is what we now say. The privacy page discloses the random install id behind our event counts and stops claiming full offline support. And the typed inputs beside every Settings slider gained proper labels for screen readers.

August 20, 2026

The answer, above the fold

“When can you retire?” is the question this whole product exists for — and it lived as a crawl item and a section-four stat. Now it's a sentence under your net worth.

• newThe masthead answers the question. Once every plan dial is genuinely yours, the top of the dashboard says it plainly: “April 2031 — age 42, at this pace.” Reached, dated, or honestly out of reach — one sentence, on the same FI-funded basis as every other claim, with the working still one scroll below. Until your dials are set, it stays quiet rather than asserting a date built on suggestions.
• improvedA lighter ticker, as promised. “All net worth” rode next to FI-funded for one release so the headline change wouldn't move anything silently — that release has passed, and the balance-sheet lens still lives on the FI card's second tab. “Projected FI” left the crawl too, since the masthead now says it in full.
• improvedA courtesy for older accounts. If your Logbook goal was set before it became one number with your plan — and the two disagreed — the goal card says so once, shows what it used to be, and a single tap settles it.

August 20, 2026

The engine, on the table

What your withdrawable money becomes in 1, 5, 10 years — growth alone beside growth-plus-saving — and one savings number instead of two that could disagree.

• newThe engine table. Your withdrawable engine today, compounded at one steady rate — Auto reads a blend from your own mix, or type any rate — across a handful of horizons, with a second column showing what your monthly saving adds. The gap between the columns is your contribution made visible, and the row that crosses your FI number is the real crossing year, computed, not the nearest round number. It lives in the dashboard's Projection section and behind “What this pace builds” on the Logbook's goal card. Your home and car are never in it — stored value can't pay you while you keep it.
• improvedOne savings number. The Logbook's annual goal and the plan's monthly contribution were the same idea stored twice, and they were allowed to disagree — the pace card literally guessed which one to trust. They're one lever now: edit the goal and the contribution moves, edit the contribution and the goal follows, and every projection, pace check and celebration reads the same figure.
• fixedThe full projection ran on the wrong money. “Show the full math” compounded everything you own — house appreciation included — toward your FI number, while the headline above it raced only your FI-funded money. On a house-rich account they disagreed about when you'd arrive. The full math now runs on the same funded basis as every other surface: the engine, minus the debts a retirement would actually service.
• improvedThe 59½ reality check moved to the answer. Fuego has long checked the early-retiree bridge — the years between retiring and retirement accounts unlocking — but it tested your target age, not the FI age the app was actually projecting, so the person retiring at 43 with most of their money in a 401(k) never saw it. It now tests whichever comes first, and says so right under the table row that crosses your FI number: how many locked years, how many your accessible money covers. The FAQ gains a plain-English explainer on the Roth conversion ladder — named as the standard tool, not simulated, because your tax bracket in a conversion year is a question for a professional.

August 19, 2026

Empty years in the Logbook, and a way to get rid of a year

A year with nothing in it could appear on the ledger looking like something you'd created. It wasn't — and now it doesn't.

• fixedBlank years stop appearing. Choosing to fill in an old year entry by entry used to open that year on the ledger straight away, which put a tab there for a year holding nothing — it read as a year you had made, when nothing had been saved at all. The form points at the year, and the ledger joins it once there’s an actual entry to show.
• newYou can remove a past year. An empty one goes quietly, because there was never anything stored to delete. A year with entries in it asks first and tells you how many records are going — including any portfolio balances dated in that year, so a deleted year doesn’t come back. Your current year stays put; that’s where your goal lives.

August 17, 2026

The Logbook stops making you change the view to change the entry

Logging something from a previous year meant going and switching what you were looking at. The year is a control on the form now, where you're already working.

• improvedThe entry form has its own Year. It used to inherit the year from the ledger's tabs below, so the only way to log a save from 2024 was to go and change what you were reading — and the date field, the obvious place to say when something happened, was locked against you. Pick the year on the form, pick the day in the date field, and the ledger stays a reading control. When you save, the ledger moves to that year so you always see the row you just made.
• improved“Past year” is now “Whole year as one number”. It was never the general way to log an old save — it writes a single row holding a year's entire total, for years you never itemised. Under the old name it competed with the date field and looked like a second route to the same place. Same shortcut, honest name, and it says when the itemised route is the better one.

August 14, 2026

Share from anywhere, and a setup that lets you agree with it

Four small corrections to things that were quietly working against you: a share button you had to go find, a link that said it was live when it wasn't, a dial in setup that belonged somewhere else, and a walkthrough that made you fidget with a slider you were happy with.

• improvedShare moved into the top bar. It's an action on your numbers, not on one page — so it's now wherever you are, and you can send a link from the Plan or your history without detouring through the dashboard first. Export PDF and Export Excel moved the other way, into Settings → Your data, so both live with the rest of “take my numbers elsewhere” instead of one sitting alone above your net worth. Crossing a milestone now offers a link right there in the celebration.
• fixedA share link was never “live”. It was labelled that way, but a link holds the numbers as they were the moment you made it — change your plan and a link you already sent never hears about it. The menu now says so, and anyone opening a link is told which day they're looking at. Share again when you want people to see the new figures.
• improved“This one's already right” is now an answer. Setting up your plan only counted a dial once its value changed, so anyone happy with a suggestion had to drag the slider away and drag it back to move on. Agreeing is a real decision now, and it counts like one.
• improvedThe stock/bond mix moved to the Plan. It was the odd dial out in setup: every other one moves your FI number and your dashboard, and this one moves only the retirement simulation — so it asked you a portfolio question before you'd seen a single result, then appeared to do nothing. It now sits on the Plan beside the chart it actually drives, and it saves.

August 13, 2026

One number for “am I there yet” — and a way to count the house

Fuego had two answers to the same question, and the flattering one was winning. Now there is one, plus an honest route for a home to join it.

• improvedFI-funded is the headline now. Progress toward financial independence measures the money that could actually pay for one: investments that compound or pay income, minus the debts a retirement would be servicing. Debt follows what it's attached to — a mortgage doesn't subtract, because the house behind it was never counted; credit cards and personal loans do. Your net worth is unchanged and still leads the dashboard; it sits beside the new number for this release so nothing moves without you seeing it.
• newYour home can count — if you say how. The Plan can now model downsizing, selling and renting, or borrowing against your home: pick an age, and the proceeds — after the mortgage, the costs and whatever you'll live in next — join the money your retirement draws on, either compounding until you retire or arriving mid-retirement. Nothing is assumed. Own a house and change nothing, and it still funds none of your plan.

August 10, 2026

Locks you choose to turn

Account security arrives in Settings: optional two-factor, password and email changes, and a kill switch for other devices.

• newTwo-factor authentication — yours to turn on. Optional, off by default. Enable it in Settings → Account security, scan the QR with any authenticator app, and signing in asks for a 6-digit code on top of your password. Turning it off asks for a current code — proof you still hold the authenticator, not just the laptop.
• newChange your password or email in-app — the email change lands only after you click its confirmation — and sign out every other device in one tap when a laptop goes missing.

August 10, 2026

Scripts need a ticket now

Inside the app, only scripts carrying this request's cryptographic nonce may run — an injected script is dead on arrival.

• improvedNonce-based script policy on every app page. Each request mints a one-time token; only scripts stamped with it execute. Combined with the strict policy already in place, script injection inside the app now has no way to run — and the public pages keep their instant, statically-served speed with the existing protections.

August 10, 2026

The cloud answers when you ask

Did my numbers actually make it? The app always knew; now it says so.

• newA visible sync status, everywhere your account shows. The account menu and Settings now carry one honest line: Synced 2m ago, Syncing…, Offline — 3 changes waiting · last synced 1h ago, or Sync trouble — retrying. The timestamp survives reloads, so a device that's been away for a week says so instead of saying nothing.

August 10, 2026

Your links, on a leash

Share links stop being fire-and-forget: name them, expire them, and kill one instantly for everyone holding it.

• newSettings → Your share links. Every short link you create while signed in now lists there — named at creation (“Dashboard · Aug 10”, “Year in Review 2026”), renameable, with an expiry you control and a revoke that kills the link instantly for everyone who has it. One honest limit: the full link can't be shown again, because its decryption key rode only in the URL and was never sent to us — manage a link's life here, not its contents.
• improvedGuest links stay anonymous — unrevocable by design, and they expire on their own after 180 days. The privacy page now describes both kinds exactly as they behave.

August 10, 2026

The tour wears a name tag, and every page got lighter

Sample data now says it's sample data, everywhere, until you clear it — and the four heaviest pages shed about a quarter of their JavaScript.

• newA real demo mode. Exploring with sample data now flags the whole session: a persistent banner says these aren't your numbers, with Start with my numbers and Clear demo one tap away. Demo books never sync to an account, never earn XP or badges, and clearing them can't touch real data — the wipe refuses to run unless the demo flag is set.
• improvedEvery page loads lighter. The charting library now arrives only where a chart is on screen — the dashboard dropped from 446 KB of JavaScript to 326, Settings from 422 to 305, the Logbook from 398 to 291, and History from 419 to 312. Same pages, about a quarter less to download.

August 10, 2026

Readable by everyone, reachable by every thumb

An accessibility round: real contrast, visible focus, honest touch targets, and dialogs that keyboards can actually live inside.

• improvedThe faintest text now meets WCAG AA contrast in both themes — and a test in the build pins every ink tone against every background, so it can't quietly slide back.
• fixedKeyboards get their outline back. Buttons were silently removing the focus ring the rest of the app provides; sliders hid it too. Everything focusable now shows where you are, dialogs trap Tab inside themselves and hand focus back where it came from on close, and the dashboard has a proper heading for screen readers.
• improvedSmall controls got 44px touch halos on touchscreens — same visual size, bigger catch area — and the smallest interactive labels sized up. The stocks slider also stopped rounding your typed allocation to the nearest 5.

August 10, 2026

The quarterly ritual, one-handed

The balance sheet is a spreadsheet, and on a phone a spreadsheet hides the one cell you came to fill. Updating a quarter is now one account at a time.

• newUpdate this quarter, card by card. On a phone, “Update net worth” now walks your accounts one at a time — last quarter's balance, one input, the change — with your running net worth ticking at the top and the same settle-the-books finish as the full editor. The full sheet stays one tap away, and is still where accounts are added, renamed and reordered.
• fixedThe phone dashboard fits the phone again. The share/export buttons, the bottom navigation and the forecast line could push the page wider than the screen, leaving the whole dashboard scrolling sideways. Every page now lays out inside the viewport edge to edge.

August 10, 2026

Quieter locks, same doors

A safety round: dependencies patched, the database's open side doors closed, and consent made explicit.

• improvedEvery dependency with a known vulnerability is patched — the framework and four libraries under it, all verified against the full test suite. Zero known vulnerabilities in the tree.
• improvedShare links and analytics now write through the server, not straight into the database. Both are rate-limited and size-checked, anonymous shares expire after 180 days, and a nightly sweep clears what's lapsed. Your shares still encrypt in your browser before anything leaves it — the server stores ciphertext it cannot read.
• improvedEmail reminders are explicit opt-in. The sign-up checkbox now starts unticked, and signing in with Google no longer enrolls you in anything. The unsubscribe link asks before it acts, too — previously an overzealous email scanner could unsubscribe you by prefetching the link.

August 10, 2026

The numbers argue in the open now

A retirement verdict is only worth trusting if every input would survive being said out loud. Four places where Fuego's math and Fuego's words disagreed, reconciled.

• fixedThe Plan no longer overrules your plan. Fuego reads your saving rate out of your balance-sheet history, and when markets run ahead of the return assumption that read can be wildly high — several times what you actually put away. The verdict used to compute from the inflated read anyway and confess only in a fold. Now your own number is the one in use, the disagreement is stated right beside the verdict, and switching to the history read is one explicit click. The verdict also says which quarter's settled books it stands on when a newer one is still open.
• fixedOne definition of the engine, everywhere. Fuego says throughout that the home you live in can't fund withdrawals — yet “growth assets” and the Coast FIRE math counted it, so a big house could conclude your contributions were optional. Growth assets now use the same engine weighting as every other retirement figure, and the FI gauge leads with the withdrawable engine — total net worth is the second tab, one tap away.
• fixedAn open year stops pretending it ended. Read in August, the Year in Review labelled a two-quarter year “Net worth · Dec” and “Ended”. The current year now reads “through Q2”, “Latest recorded” and “the year so far” — December is reserved for years that had one.
• improvedThe privacy page tells the whole truth about short links. Short share links store browser-encrypted ciphertext on our server — unreadable to us, but stored. The privacy page used to describe only the serverless long links; it now describes both accurately, including that a short link stays live until link management ships.

August 6, 2026

Fewer boxes, more ink

Notes, checklists and sub-sections used to arrive in their own little boxes — boxes inside cards inside pages. They're set like print now: rules and whitespace.

• improvedThe card-in-a-card look is gone. The setup checklist, the welcome screen's benefits, the projection's footnotes and smart moves, the Coast FIRE appendix, Settings' timeline group and the Plan's evidence stats all shed their nested frames. Each is now a ruled section — a hairline and breathing room where a rounded border used to be — so a page reads like one composed sheet instead of widgets stacked in widgets. Boxes stay only where they mean something: controls you can touch, tables, and states that genuinely need to stand apart.
• improvedYour game plan reads like a pull quote. Instead of a tinted panel, the plan's verdict carries a single rule down its left edge — green when you're ahead, red when the record says you're behind.

August 5, 2026

Deleting an account deletes it the first time

One click on the bin, one account gone — instead of watching it slide down the page and having to click again.

• fixedThe bin took two clicks to work. Deleting an account from the balance sheet appeared to do nothing except move the row to the bottom of its section; only a second click on the bin actually removed it. Your edits save a moment after you make them, and in that gap the sheet was re-reading the account from the not-yet-saved version and quietly putting the row back — at the end of the list, which is what made it look like it had merely moved. The row now leaves on the first click, and the confirmation counts your quarters correctly even if you added the account seconds earlier.

August 1, 2026

The engine label now matches the number behind it

Confirming what an asset already said it was could change your net worth engine. It can't now.

• fixedAgreeing with Fuego used to move your numbers. Every asset carries a label — engine, part engine or stored value — and you can click to change it. Behind the scenes the automatic guess used a much finer scale, which got rounded into one of those three words for display. So the word never told you the figure: a current account showed part engine, and clicking through to part engine — the label already on screen — moved it from 20% to 50%. Six of eight common assets behaved that way.
• improvedThree settings, and nothing in between. The automatic guess now lands on exactly the three values you can pick yourself, following the definitions already published here: a rental or a business pays you, so it's an engine; cash, crypto and metals sit half-way; the home you live in, your car and your camera are stored value. The label on a row is the number, everywhere it's used — the FI card, the balance sheet, the trajectory and the Plan.
• improvedSome figures move once. Mostly up: rentals, businesses, metals and everyday cash all counted for less than their label implied. A few move down — an unlabelled “other” asset and the home you live in now count as nothing rather than almost nothing. Cash no longer distinguishes a high-yield account from a current one, because for “could this pay you in retirement?” money is money; how fast it grows is a separate setting. Anything you'd already classified yourself is untouched.

August 1, 2026

Plan — an answer in dollars, not a percentage

The page knew you could spend more than you'd budgeted. It just never said so.

• improvedThe Plan now tells you what you can spend. It used to take your spending as given and report a success rate — which meant anyone comfortably on track got “100%”, three comparison cards all reading 100%, and a lever section that pointed at a section further down. Four screens to say nothing you could act on. Underneath, the engine already knew that person could spend thousands more a year, or stop working two years sooner. That answer was computed and then buried.
• newConfidence is something you choose now. Pick the bar — held up in 19 of every 20 histories — and the page answers in dollars a year and a retirement age. Counting past cases is also the honest framing: these are overlapping stretches of a single century, not twenty independent futures, and a percentage invites being read as the odds on your retirement.
• newA chart that shows a trade instead of a result. Sustainable spending against the age you retire, with your budget as a dashed line and the gap between them drawn in. Drag the marker to try a different date. It produces the sentence nobody has for themselves: each extra year of work is worth about this much a year of spending, for the rest of your life. It replaces the three comparison cards, which ranked options by the very metric the page had just argued against.
• fixed“Retire sooner” wasn't computed at all. The projection only ever walked forward, so asking what an earlier date would look like silently returned the same portfolio you'd have had by working longer — flattering, and backwards. Going earlier now properly un-does the compounding and the contributions, lengthens the retirement, and pushes Social Security later into it. For a tool about retiring early, that direction was a strange thing to be missing.
• fixedThe Social Security field was a trap. It saves to your plan permanently, but it sat inside a card of temporary what-if dials, styled the same, above a “back to your own numbers” button that would never undo it. Anyone typing a pension in to see what happened had quietly changed their plan. It's now visually separate and labelled saves to your plan.
• improvedEverything else is evidence, and folded away. The cycles, sequence risk, the input table and the methodology are all still there — open what you want to check. And the cycle chart earned its keep: a ribbon underneath gives one block per year you could have retired in, so you can see that the failures cluster in particular eras rather than scattering. That's the one thing individual lines can show that a summary band can't.

August 1, 2026

One number the sheet can't know, and a chart that finally says something

A seventh plan dial, and the cycle graph rebuilt with a scale you can read.

• newStocks vs bonds is now a dial in your plan. The balance sheet records account totals — it knows you have a 401(k), never that the 401(k) holds a bond fund — so this is the one input no amount of reading your snapshots can settle. Every historical backtester asks the same question for the same reason. Fuego suggests a split from your account mix, marks it grey until you confirm it, and then remembers. Previously it guessed, labelled the guess “from your snapshots”, and forgot your correction on every reload — while being the single biggest lever on how the simulation turns out.
• improvedThe cycle chart has a scale now. It was fifty-odd unlabelled squiggles: no axes, no numbers, nothing to measure against. It now has dollar and year axes, a dashed line at what you retire with — so above and below mean “ahead” and “behind” at a glance — the median drawn solid, and a shaded band holding the middle 80% of outcomes. Hover or arrow-key any line and it reads out that year's balance against the median. The scale is logarithmic, because over forty-five years the outcomes genuinely span two orders of magnitude and a linear axis tall enough for the winners squashed the failures into the bottom few percent.
• improvedNet worth is account totals, full stop. The first version of Fuego let a row hold individual tickers and quantities. The interface for that went years ago, but the fields lingered in the data model, which is worse than either keeping it or dropping it — it reads as though the detail is there. Gone now. Individual symbols live in the Logbook and nowhere else. Existing accounts are unaffected: anything stored the old way is folded to a single total when it's read, including from an old backup or a share link made years ago.

August 1, 2026

Plan — a QA pass with teeth

A full sweep of the Plan page for contradictions, dead ends and things that only worked with a mouse.

• fixedThe levers were answering a different question from the headline. Switch to Monte Carlo and the verdict updated — but “what would have to change” and the scenario columns were still being solved against the historical record, under copy that promised they used the same engine. On one sample plan that was the difference between “spend $73,932, or work 4 more years” and the truth under Monte Carlo: $46,558, or 9 more years. Everything now runs on whichever engine you picked, and the scenario deltas subtract the exact figure printed at the top of the page.
• fixedThe cycle chart froze under Monte Carlo. Five thousand runs meant five thousand lines in the page, and every mouse movement across the chart cost up to a quarter of a second. It now draws a sample spread evenly across the full range of outcomes — both extremes always included — and says how many of how many you're seeing. Hovering went from 150–240ms to under 5ms.
• improvedEvery number appears once. Each input was listed twice — once read-only with its provenance, then again as a bare box further down — which separated “what is this” from “how do I change it” and made the panel twice as long saying the same thing. One row each now: the value, where it came from, why, and the control that changes it.
• improved“32 years of warning” was flattering. True, and it left out the half that matters: the plan was underwater from year 3. The page now names when trouble started as well as how long the money lasted, so a long warning reads as what it is rather than as reassurance.
• improvedWorks without a mouse, and on a phone. The chart takes keyboard focus and arrow keys step through the same lines hovering reaches. It had also been swallowing touch entirely — so a thumb landing on it stopped the page scrolling, in exchange for an interaction phones can't perform. Both toggle groups now announce which option is selected. Percentile figures no longer clip on a narrow screen, and they say what they're percentiles of.
• fixedTyping your Social Security saved on every keystroke. Entering “32000” wrote to storage five times and re-ran the whole simulation five times. It saves once, when you leave the field.

August 1, 2026

Plan — a verdict, and something to do about it

The page reported odds and stopped. Now it says what it means and what would change it.

• newYou choose how you spend it. The simulation was silently assuming the 4% rule exactly as written — the same amount every year, straight through a crash, for decades. Nobody behaves that way, and it's the most pessimistic thing you can model. Three options now: fixed spending, Guyton-Klinger guardrails, and percent-of-portfolio. It moves the result more than any other input on the page, which is precisely why it shouldn't have been a hidden constant.
• newWhat flexibility actually costs, in dollars. Flexible strategies score beautifully because they can't run out — they cut your income instead, and a success rate can't see that. Fuego now tracks what you'd have had to live on each year, so “100% success” comes with the line that makes it honest: in the worst cycle your spending fell to 41% of plan. That trade is the whole decision, and most tools never show it.
• improvedA verdict instead of a percentage. A single rate treats “ran out in year 44 of 45” the same as “ran out in year 3”, and people read it as a probability regardless. The headline is now the finding — how many cycles broke, when they broke, and how many years of visible warning came first. The percentage is still there, as evidence rather than as the answer.
• newWhat would have to change. A number with no lever is a dead end. The page now solves two: the annual spending that would reach 95%, and how many more years of work would do it instead — both against the same engine that produced the verdict, so they can never drift from it.
• newSocial Security and pensions are modelled. Leaving them out isn't conservative, it's wrong: retire at 50 and claim at 67 and benefits cover the back half of a 45-year plan. Enter an amount and a start age and the engine carries it, arriving at the right year of your retirement — and moving earlier into it if you work longer, because benefits start at an age, not a milestone.
• newChange one thing. Three columns — work two more years, spend 10% less, hold a different stock/bond split — each re-running every cycle against your plan, with the swing in percentage points. On the sample account, shifting from 98% stocks to 60/40 costs 39 points. A plan is a set of trades, not one answer.
• improvedThe percentile row says what it means. A median cycle ending with 6.6× what it started with is not trivia — it's a finding about under-spending, and it now reads as one. And the cycle chart is no longer an anonymous thicket: the worst year on record is drawn standing out, and hovering traces any other line to its start year and ending balance.

August 1, 2026

Plan — sharper on the things that decide the answer

A review of the new Plan page turned up real errors in it. Here's what changed.

• fixedThe stock allocation counted your house. Fuego already knows a home you live in isn't a withdrawable asset — it discounts one to almost nothing when working out what the 4% rule can draw on. The allocation guess wasn't doing the same, so a paid-off house counted at full value against your index funds and pulled the simulated portfolio toward bonds it didn't hold. One account, two different definitions of “your portfolio”, and a success rate built on the mismatch. Both now use the same basis.
• improvedRetiring early no longer gets a thirty-year answer. Thirty years is what the classic research covers, and it's the wrong span for this audience: it tells a 45-year-old how a retirement ending at 75 would have gone. The plan now runs to 95 — so retire at 45 and it tests fifty years — with thirty as the floor. Expect a lower, truer number than before.
• fixed“Portfolio at retirement” wasn't what it said. The override took today's withdrawable assets, which the page then grew again over your years to retirement — so typing your retirement number in compounded it a second time. It's now labelled Withdrawable today, which is what it always was.
• newThree more dials you can correct. The page invited you to fix anything that didn't match how you actually invest, then only gave you three of the six. Stock allocation, annual saving and years to retirement are now editable too.
• fixedA long retirement no longer breaks the page. Setting a retirement longer than the historical record threw an error and replaced the whole app with a crash screen. It's now kept inside the range the record can actually answer — and the ceiling is well short of the full 98 years, because a retirement that long leaves a single cycle to test and “100% across 1 retirement” is a worse answer than a crash.
• improvedA number you haven't set now says so. If you never set your retirement income in Settings, the Plan page was quietly calling the suggested default “from your plan”. It's labelled an assumption until it's actually yours — the rest of Fuego already worked this way.
• improvedThe sequence-risk panel picks your own worst decade. It always used 1966. Now it finds the single worst year in history to have started your plan and reshuffles that one — the same year named just above it.

August 1, 2026

Plan — your retirement, against real history

The simulation nobody else can run for you, because nobody else has your quarters.

• newA new Plan page. It takes your actual snapshots and runs the retirement they imply through every market cycle since 1928 — every cycle drawn at once, the ones that ran out in red. A free calculator has to ask you to estimate everything; this reads it off what already happened.
• newYour savings rate, read from your own record. Rather than asking what you save, Fuego works out the growth your expected return can't explain and calls the difference contributions. It takes the median across your quarters, so one house sale or one bonus doesn't redefine a habit the other quarters disagree with.
• newEvery number says where it came from. Withdrawable assets, stock allocation, spending, savings, years to retirement — each is labelled from your snapshots, from your plan, or assumption, and each can be overridden. The allocation in particular admits it's a guess: Fuego records accounts, not the funds inside them.
• newWhy the order beats the average. A panel runs your plan through its own worst start year reshuffled four ways — as it happened, best years first, worst years first, and every year at the average. Identical returns, identical average, wildly different endings. The last box is what a spreadsheet models, and comparing it to the third is the whole argument for why sequence risk is the thing that actually breaks retirements.

August 1, 2026

A safe withdrawal rate calculator worth using

Every market cycle since 1928, and an honest account of what it does and doesn't tell you.

• newRun a retirement against real history. Enter a portfolio, what you plan to spend, and how long it has to last, and the simulator replays it through every market cycle from 1928 onward — every cycle drawn at once, the median and the worst picked out. Switch to Monte Carlo to sample from that history instead. The two are labelled separately and never blurred, because they answer different questions.
• newThe worst year to have started, named. Not just a score — which year was hardest, when the money actually ran out, and how the best start compares. Plus a panel that answers the obvious next question: what would have to change to reach 95%, in both percentage and dollars a year.
• newEvery rate shows its denominator. “94.2% across 69 historical retirements”, not a bare percentage — and stated as historical precedent rather than the odds your retirement works. The assumptions sit on the page rather than in a footnote, including what isn't modelled: taxes, Social Security, healthcare, and spending that changes as you age. You can download every cycle as CSV and check the working.

August 1, 2026

Mortgage payoff vs. invest

The most argued-about question in personal finance, answered with a number instead of a verdict.

• newA new free calculator. Should spare money go at the mortgage or into the market? Most calculators compare your rate to an expected return and declare a winner — but one of those numbers is guaranteed and the other isn't, so that answer is the wrong shape. This one leads with the breakeven return: the number investing has to beat for it to be worth the risk. That turns “which should I do?” into “do I think I'll beat 7.1%?” — a question you can answer and a calculator can't.
• newInvesting shown as a range, not a number. The invest-it path runs through two thousand simulations sampled from real market history, so you see the whole spread of outcomes and how often investing actually came out ahead. The tenth-percentile result sits next to the certain one from paying down the loan, because a one-in-ten outcome over thirty years is not a rare event.
• newTwo things most calculators get wrong. It assumes you don't itemise by default — since 2018 most people don't, and quietly applying the mortgage interest deduction overstates the case for investing. And it models PMI: paying down faster ends that premium sooner, which on a loan near the 80% threshold can matter more than anything else on the page.

July 31, 2026

Year on year, worth reading

Three things about your year you can't work out in your head.

• newThe two years, raced against each other. A chart under the headline runs this year's cumulative total against last year's, month by month — this year in colour, stopping at today; last year dashed and grey, running its full twelve months as the thing being chased. The flat stretches, the month a bonus landed, the point one line crossed the other: it's the shape of a year, and no number describes it.
• newOn this pace. Where the year lands if the rest of it keeps the rate you've set so far. It's arithmetic rather than a forecast, so it says on this pace — and it stays quiet through early January, when a single good day would extrapolate into a fantasy.
• newThe day you pass last year. The single most useful fact in the whole comparison, and the one nobody can do in their head: at your current rate, the date your running total overtakes last year's finished one — or Cleared, once you already have. Alongside it, months logged this year against months elapsed, because consistency is the actual habit.
• improvedThe Logbook says which year you're writing into. Backdating an entry has always been a matter of setting its date, but with the year tabs now on the ledger rather than the top of the page, nothing said so out loud. Set a date outside this year and the form tells you plainly where the entry lands and that it won't count toward this year's goal. The goal card leads with its year, too — it's “The 2026 goal” now, not just “The goal”.
• improvedA way back up. Fuego's pages are long by design — the Logbook runs five sections, this page runs dozens of releases. A small button now appears in the corner once you're a screen deep and takes you back to the top. It stays out of the way until you need it, and clear of the tab bar on a phone.
• improvedA gentler note on the annual goal. “This goal doesn't match your plan” told you your own figure was wrong, when setting a goal that outruns the plan — or trails it — is a perfectly deliberate thing to do. It just shows the arithmetic and offers the swap now.

July 29, 2026

Browse any year without moving your target

A goal belongs to the year you're living in, not the one you're reading.

• newThe ledger has year tabs, including All. Pick a year to change which entries the ledger lists — or All to see every year together, footed as one total. It always opens on the current year.
• improvedThe goal and the year-on-year comparison stay on this year. One picker used to drive the whole page, so opening 2025 quietly repointed your annual goal at a finished year — and made Year on year disappear unless the current year was selected. The tabs now only choose what the ledger lists. Everything above and below them speaks about the year you're actually in.

July 29, 2026

Three things the Logbook got wrong

• fixedYear on year stops guessing how you kept your books. When there was nothing logged in last year before today's date, the comparison announced that the year “was entered as a single year-end total” — which was simply false for anyone who logged it month by month starting in the autumn. It now states what it can actually see: that there's nothing before that date to pace against, so it compares the whole year either side.
• fixedA stock or fund needs its ticker. You could log a buy or a sell without one, which put a nameless row in the ledger that no price provider could ever value — and which the row editor then refused to save, having always required a ticker. Both paths agree now, and the Add button says what's missing instead of just refusing.
• improvedThe annual goal explains its own suggestion. “Your plan adds up to $48K/yr · match it” named neither where the number came from nor what tapping it would do. It now shows the working — your monthly contribution from Settings, times twelve — and the button says which figure it sets.

July 29, 2026

Selling, and how this year is going

Money moves both ways, and a second year of records makes a question worth answering.

• newYou can log a sell. Every row in the Logbook used to be money going in, which made rebalancing, taking profit, or dipping into savings impossible to record honestly. There's now a Bought / Sold switch above the entry form — flip it and the entry logs as a negative, nets out of the year's total, and takes its units back out of your holdings. The ledger shows it in red with a minus, and the column heading changes to “In / out” the moment you have one.
• newYear on year. Once you've logged two years, the Logbook tells you how this one is going against the last — and it compares fairly. A year in progress measured against a year that finished isn't a comparison, it's a discouragement, so it matches the windows: January to today, against January to the same date last year. Alongside it, the year to beat and everything you've logged all-time.
• improvedThe ledger totals its own value. Next to the year's total, quietly, is what those entries are worth today — market rows at current prices, everything else at what went in.
• improvedEvery entry gets a moment. Logging a save used to be silent unless you happened to cross a milestone, which made the confetti feel like it fired at random. Now every entry gets a small pop the instant it lands — the same feedback the net-worth editor already gave every row you added — and the full celebration is kept for actually crossing a quarter of your annual goal. A sell gets a gesture of its own: muted flecks that fall rather than confetti that flies, because recording a sale deserves acknowledging without being congratulated.

July 29, 2026

The Logbook, to the cent

The page you type into most, taking your input at its word.

• newCrypto has a coin picker now. Logging a coin starts from the ten largest — Bitcoin, Ethereum, Tether, XRP, BNB, Solana, USD Coin, Dogecoin, Cardano, TRON — so nobody has to remember that Polygon trades as MATIC. It's a shortcut, not a shortlist: “Other” hands the field straight back for anything off the list, and one tap returns you to the ten.
• fixedReal tickers stop being told they're fake. Typing a valid symbol like QQQM produced a warning that we didn't recognise it and couldn't price it — moments before the ledger priced it perfectly well. The check was reading a short list shipped inside the app rather than asking the thing that actually knows. It asks now, and tells you what the symbol is trading at while you're still filling in the row.
• fixedCents stay cents. Average price and cost basis rounded to the nearest dollar, so a share bought at $275.90 sat in the ledger as $276 and a $1,204.37 buy read as $1,204. A ledger that rounds its own rows is a ledger you can't reconcile — every amount now shows exactly what you entered, including the year's running total at the foot of the table, which adds up to its own column again.
• improvedLog a save looks like a workspace. It's the one panel in the Logbook you actually type into, so it now reads as a working surface rather than another readout to skim past.

July 27, 2026

Signing in on a second device

Opening your account somewhere new should feel like coming home, not starting over.

• fixedA new device no longer looks empty while it loads. Signing in on a phone for the first time showed a blank, zeroed-out app for a few seconds before the numbers appeared — which, if the thing you track is your life savings, is a genuinely bad few seconds. Fuego now says what's happening while it fetches your history, and only shows the app once your data is actually there.
• fixedMilestones you've already celebrated stay celebrated. Signing in somewhere new replayed old milestone and badge popups — trophies you dismissed months ago on another device, announced again one after another. The cause was an ordering problem: your quarters arrived before the settings that record what you've already seen, so for a moment a device that knew your numbers didn't yet know your history with them. Settings now land first, and nothing celebrates until they do.

July 25, 2026

Your notes, your inbox, your quarter

A round shaped mostly by things users asked for.

• newEvery kind of save takes a note now. Stocks and funds, crypto and metals join cash and other saves in having a note field — so you can mark which account a buy belongs to. The same fund bought in a 401(k) and in a brokerage no longer read as the same line in the ledger. This one came straight from a Fuego user.
• newCompare your years side by side. The Year in Review has always told you how a single year went. Now you can hold up to four alongside each other — the year's move, what you put in, where you ended, your best quarter, quarters logged and milestones crossed. Two years get the change between them; three or more get the best year marked in each row. It reads oldest to newest, because the question is really “am I doing better than I was?” Tap a year to add it, tap it again to drop it. And a comparison shares as a comparison: the link opens on the same years, and says so.
• fixedA mistyped ticker no longer invents a price. If you logged a symbol we can't price — a typo, or a metal written as “GOLD” instead of XAU — the ledger used to fill in Worth today with a plausible-looking figure that wasn't real, and quietly counted it in your portfolio total. It now says the symbol isn't recognised, values that entry at what you paid, and flags it while you're still typing it in — whether you're adding an entry or editing one.
• improvedMetals go by name now. There are only four spot metals, so you pick one instead of guessing at a ticker — each labelled in plain English (XAU — Gold, XAG — Silver, XPT — Platinum, XPD — Palladium) — and the ledger shows “Gold” rather than “XAU”. Stocks and crypto keep their symbols, which is genuinely how people refer to those.
• fixedThe Share menu on the Year in Review opens properly again — it was being cut off by the masthead, and then hidden behind the stat ticker, so the link you wanted was unclickable.
• newYou can edit a Logbook entry now. Every row in the ledger has a pencil: change the date, ticker, quantity, price, amount or note in place, then Enter to save or Escape to back out. Fixing a typo used to mean deleting the entry and logging it again from scratch — the balance sheet has always let you edit in place, and the Logbook should have too.
• improvedThe ledger gained a Note column. Notes used to ride along under the account name, where a long one was cut short and a cash save read differently from a stock buy. They now have a column of their own — full width, no truncation — and the When and What columns gave up the space for it.
• improvedThe Contact & feedback form knows who you are. Signed in? It uses your account email and says so, instead of asking again. Browsing as a guest? It now asks for an address and means it — a message nobody can reply to helps neither of us.
• fixedThe editor no longer says you're “right on time, in the first days of the new quarter” a month after that quarter closed. It counts the actual days now and says what it means — just closed, in good time, or overdue.
• fixedThe aurora masthead keeps its rounded corners for good. It draws its own corners now rather than relying on the browser to clip them, which is what kept letting square corners show through on some machines.
• newA short what's-new note for people who've been away, so a week of changes doesn't go unnoticed — it appears once, never on your first visit, and points here for the details.
• newTwo free calculators anyone can use without an account — a Coast FIRE calculator and an FI number calculator. Handy for sending to a friend who isn't tracking yet.

July 23, 2026

The aurora settles in

The new cover treatment, cleaned up everywhere it appears.

• fixedThe aurora banners keep their rounded corners now. On some machines — Firefox especially — the corners flickered square while you scrolled. They stay put on the dashboard, the Year in Review and shared links alike.
• improvedThe small print over the aurora reads clearly again — the quarter line, the vs-last-quarter note, the assets/debt/×expenses line. The light behind the text is gently dimmed, so nothing washes out over a bright crest.
• fixedA shared dashboard link no longer opens on two stacked mastheads. The page leads with the aurora once, then gets on with the numbers.
• newThe aurora knows when to bow out. If your computer can't render it smoothly,Fuego notices within a couple of seconds and quietly switches to a calm, near-free glow for the rest of your visit — so a slower machine never sits there stuttering.
• improvedEvery green button answers to your cursor again. A handful of them — “Make your own” on a shared page, the empty-state prompt in History, and the buttons on the error and page-not-found screens — sat still on hover while the rest of the app lifted and caught the light. They all move now.

July 23, 2026

The dashboard masthead comes alive

The cover treatment reaches the room you actually work in.

• improvedYour net-worth masthead now carries the same cinematic aurora as the Year in Review — a real-time, three-dimensional field of light that leans toward your cursor. Shared dashboard links open on it too, so a link pasted into a thread makes its first impression in full colour.
• improvedIt keeps its manners: the full effect runs on desktop, then bows out to a calm, glowing masthead on phones, under reduced-motion, and on touch — and it quietly pauses the moment it scrolls out of view or the tab loses focus, so it never costs you anything you're not looking at.

July 22, 2026

Your Year in Review gets a cover

• newThe Year in Review now opens on a cinematic aurora — a real-time, three-dimensional field of light that leans as you move your cursor. A proper magazine cover for the year you just had.

July 22, 2026

A few sharp edges, filed down

• fixedRenaming an account while updating your net worth no longer leaves a phantom copy of it behind, wearing the old name with all its cells empty. The row now simply changes its name and stays exactly where it was.
• fixedThe trash icon on an emptied row works on the first click. It used to look like nothing happened — the row only disappeared after leaving the editor and coming back.
• fixedHiding an account no longer triggers a milestone celebration. Because hiding lowers your total, the app could mistake the drop for freshly crossing a number you’d passed long ago — so you’d get confetti for “reaching” a figure on the way down. Milestones now track your all-time high and only celebrate genuine new ground.

July 15, 2026

The Ascent, and links worth pasting

A cover, a centerfold, and sharing that finally fits in a sentence.

• newThe welcome page now opens like a magazine cover: a near-black plate (in both themes, on purpose) with aurora ribbons of light drifting behind the headline.
• newRight beneath it, the Ascent: a decade of compounding drawn live — a glowing line that climbs past $100K, Coast FIRE and $1M, sheds sparks on the way, and plants a flag at the FI summit. Every effect honors reduced-motion settings and sleeps while off screen.
• newShare links can now be short — the kind you can paste into a Reddit thread without it looking like a ransom note. Your data is encrypted in your browser before anything is stored, and the key stays in the part of the link that never reaches a server: only people you hand the link to can open it. The classic serverless long link remains the automatic fallback.
• newYou can now share a Year in Review, not just the live dashboard. One Share menu — the same one on both pages — asks which story the link should tell.
• fixedThe welcome page's 01 · 02 · 03 step numbers were nearly invisible in both themes — they're now crisp outlined figures.

July 15, 2026

The front door, brought to life

Same welcome page, now with a pulse.

• improvedThe welcome page now moves the way the app feels: the headline settles in, a sample net-worth line draws itself, the number counts up, the progress bar fills, and each section rises gently into view as you scroll. All of it steps aside if your device asks for reduced motion.
• improvedClearer first step: creating a free account is the front-and-center choice — it's what keeps your numbers safe on every device — with "explore as a guest" one quiet click away for the just-looking crowd.
• newA note on the welcome page says the quiet part out loud: typing in your quarter takes minutes, but watching Fuego fan it into a spread, a trajectory, and a stack of insights turns the update into a ritual — the pleasantly addictive kind.

July 15, 2026

A proper front door

Fuego finally has a home page that explains itself.

• newNewcomers now arrive at a real welcome page — what Fuego is, why it never links your bank, and how manual, quarterly tracking maps a clear path to financial independence. It loads instantly and reads beautifully, so a link shared to a friend or a community lands somewhere that actually makes the case.
• improvedStarting is now one tap from the welcome page: jump straight in to explore, or create a free account to keep your numbers across devices — no second welcome screen in the way.
• improvedYour dashboard now lives at its own address, so bookmarks land right where you work and the welcome page stays reserved for first impressions.

July 15, 2026

Hide a row, keep its history

Some accounts belong in your records but not in your numbers.

• newEvery row in Update net worth now has an eye icon beside the trash can. Click it and the account is hidden: every value it ever had stays safely in your books, but it drops out of every total, chart, projection, badge, and share link — as if it weren't there. The row stays in the editor, greyed out, so one more click brings it back, history intact.
• improvedHiding is the gentle sibling of deleting — perfect for an account you don't want counted right now (a spouse's portfolio, an asset in limbo) without throwing away the quarters you already logged.

July 15, 2026

Weights, kept honest

• improvedThe ounces beside a precious metal always show your latest noted weight — and if that notation is older than your newest quarter, hovering says exactly which quarter it's from, so old weight never passes as current.
• fixedOunce entries now stop at a million — a slipped keystroke can no longer record a trillion ounces of gold.

July 15, 2026

One place to edit, smarter guesses everywhere

• improvedThe dashboard's breakdown went back to being purely informative — no more editing values (or engine labels) in two places. All editing lives in Update net worth, where each asset row now carries its engine classification right under its name: one click cycles engine → part engine → stored value, applies to every quarter, and the FI math follows.
• improvedThe automatic engine guesses got much sharper, so you rarely need to correct them: a drone, laptop or record collection filed under "other" reads as stored value out of the box, a loan you made or startup shares read as engine, a high-yield savings account scores above a checking account — and anything unrecognizable leans stored value, the honest direction for withdrawal math.
• newThe labels explain themselves now: a one-line "what do these mean?" opens right inside the editor, and the FAQ gained a full entry on the withdrawable engine — what it is, how the guessing works, and how to correct it.

July 15, 2026

Auto knows your number

• newThe contribution dial grew an Auto button — like the return dial's. It computes the monthly amount your own sheet says lands FI by your target age and sets it in one tap. When nothing is required (you're coasting) or nothing would be enough, it says that instead of guessing.
• fixedReached on paper, but coasting? Those two no longer contradict. When your total has crossed the line but your withdrawable engine hasn't, the Projection now shows when the engine gets there (instead of a dash) and answers "let off the gas" with the engine's math, not the total's.
• improvedThe Projection section fills its width now — the smart moves sit as cards across the row instead of a narrow column with dead space beside it.

July 15, 2026

Sharper judgment, twin trajectories

• improvedThe engine labels grew judgment. A camera filed under "other" no longer reads as part engine, a small business or bonds do, and a car that earns its keep isn't pure dead weight. And when the guess is still wrong — click the label to set it yourself: engine, part engine, or stored value. Every FI number follows your word, instantly.
• newHistory's Trajectory now carries two lenses: your total net worth, and the withdrawable engine on its own — the same honest split the dashboard uses, drawn over every quarter you've tracked.

July 15, 2026

Trophies worth earning, a page worth sharing

The ladder now climbs real money milestones — and a share link finally reads like a story.

• newThe trophy case got real. Gold badges now mark money milestones — Six Figures, Debt-Free, Coast FIRE, The Comma Club, The Summit — not just app streaks. Every badge pays bonus XP by tier, a toast tells you the moment one unlocks, and the ladder always shows what's next and what it's worth.
• improvedA share link now opens like a story for the person you sent it to — how far along, aiming for what, since when — and ends with an invitation to start their own, instead of dropping a stranger straight into your dashboard.
• newThe contribution dial finally answers its own question: what should this be? Settings computes the monthly amount that lands FI by your target age — one tap makes it your plan. The Logbook's yearly goal can match your plan in one tap too, so the two never quietly disagree.
• improvedThe "plan vs actual" card now says exactly where its plan number comes from — your own monthly dial × 3 — so an empty Logbook never reads like a mystery total. And every stat on the Portfolio Resilience card explains itself on hover, in plain words.
• improvedThe balance sheet's trend column picked up a second read: the latest quarter's change now rides under the whole-history one, with both spelled out on hover.
• fixedThe FAQ now points unanswered questions at Contact & feedback in the header menu — where they actually reach a human.

July 15, 2026

The engine, everywhere it matters

One honest question — could your money actually pay you? — now runs through the whole dashboard.

• improvedThe Projection no longer celebrates on paper alone. If your total crosses your FI number but most of it is a home or car — value that can't pay you — it says exactly that, and shows how far the withdrawable engine really is from the finish line.
• newThe smart moves — two or three plain sentences under the projection, computed from your own plan: when saving becomes optional (that's Coast FIRE, now a headline stat called let off the gas), what an extra $500 a month actually buys you, and what every $100 of retirement spending is really worth.
• improvedThe breakdown now labels every asset in plain words — engine, part engine, or stored value — and the assets header shows how much of your total could fund a paycheck. Hover any label for the one-line why.
• newBalance-sheet trend lines carry their punchline: the change across your whole tracked history rides under each spark line, colored by whether it's good news — and hovering shows the full dollars-and-percent story.

July 15, 2026

Gold by the ounce, debt read right

• newPrecious metals can carry their weight. Adding gold or silver — or filling in a quarter — now takes an optional ounces owned, and the balance sheet wears it as a quiet notation right on the row. It's a note, not math: your typed value stays the value.
• fixedTrend lines now know which way is up for a debt. A shrinking liability draws its spark line in green and a growing one in red — the same goes for the total liabilities row. Assets keep their usual reading.

July 15, 2026

Two ledgers, two colors — and this page

• improvedAssets and liabilities each carry their own hue on the balance sheet now — a wash of the growth lime over what you own, a red one over what you owe, with matching section bands. The two halves of the sheet read at a glance, in both themes.
• newThis changelog — the whole making-of, newest first, linked from the footer. Every round of work on Fuego gets notated here from now on.

July 14, 2026

A guided plan, and a sheet that fits

Setting up your plan stopped being a scavenger hunt.

• newGuided plan setup. The dials in Settings now start as grey suggestions — the math runs on them, but they aren't yours yet. A spotlight walks you through them one at a time; each turns to color (with a little check) the moment you set it, and the Getting Started checklist counts the step done when all six are alive.
• newHonest defaults: anywhere a number leans on a dial you haven't set — the FI gauge, the projection, this quarter's pace — it now says so, and links you to the dial.
• improvedFit to screen is a real spreadsheet now. At 100% the balance sheet runs tight rows, small type and single-line names, so far more quarters fit before you ever reach for the new zoom controls (50–150%).
• improvedThe FI card's engine note links straight down to the debrief.

July 14, 2026

Two lenses on financial independence

• newThe FI gauge grew tabs. Overall measures everything you own against your FI number; Withdrawable engine measures only the assets that compound or pay income — the ones a 4%-rule paycheck can actually draw from. A home you live in counts toward net worth, not toward the paycheck, and now the card can show you both truths.
• improvedA full production-hardening pass: stricter browser security policies on every page, tightened dependencies, and a fresh audit of the account isolation rules that keep your rows readable by your login alone.

July 14, 2026

The editing overhaul

A long round devoted to the minutes you actually spend in the sheet.

• improvedTyping money feels right now. Commas appear live as you type, Enter saves the cell, Escape reverts it, and a committed edit gives a little pulse of acknowledgment.
• fixedThe editor's worst bug is gone: focus no longer leaps to another cell mid-keystroke, and rows no longer re-shuffle under your cursor while you type.
• improvedSpreadsheet import got serious. It now reads every sheet in a workbook and picks the richest one, understands Assets/Liabilities sections, and recognizes far more account names — and it's offered right in the editor the first time you open it.
• newAn FAQ page — the manual in question form: when to record a quarter, how to value each kind of asset, what the Logbook is for, and the gotchas.
• newConservative data-quality reminders: if a fresh quarter looks copied from the last one, or your history has a hole, the dashboard mentions it once — and takes a dismissal for an answer.
• improvedExact dollars everywhere on the balance sheet ($2,952,261 — never "2.95M"), a live net-worth readout while you edit, a quarter header that floats with you as you scroll, and backfilled quarters that start blank instead of pre-filled with numbers you might forget to change.
• fixedClearing every cell in a row keeps the row. And a big correction no longer fires an endless parade of milestone popups — one card, everything counted.

July 13, 2026

Fuego goes live: real accounts + cloud sync

Launch day. The local-first tracker learned to follow you.

• newFree accounts with cloud sync. Sign in with email or Google and your numbers follow you across devices — readable by your login alone. Guest mode stays exactly what it was: local-only, in your browser, no signup.
• newEverything you build as a guest comes with you the moment you create an account — nothing to re-enter.
• newA start-of-quarter email reminder (opt-out, one-click unsubscribe), password recovery, a welcome screen, and a real contact form.
• improvedOne quarterly model everywhere: a column is a photo of your money on the quarter's last day, and you record it once the books close.

July 9–10, 2026

Resilience, ritual & guardrails

• improvedThe debrief's resilience score learned liquidity and the withdrawable engine — a garage of cars stops scoring like an index fund, because you can't draw a 4% paycheck from a car.
• newFinalizing a quarter became a small ceremony: a sticky seal bar you can't scroll past, and a proper send-off when the books close.
• newGuardrails: typo'd account names get caught ("did you mean 401(k) + Roth IRA?") before they fork your history, future quarters can't be logged early, unnamed accounts can't slip into the sheet, and the balance sheet rows drag-reorder to your liking.

July 2, 2026

The editorial redesign

The whole app went magazine — and picked up its sharpest tools.

• improvedA ground-up visual elevation: serif mastheads, a mono "print ledger" voice, numbered sections, the stat ticker, and the sticky dashboard rail. Less fintech dashboard, more broadsheet.
• newThe debrief — a transparent portfolio resilience score read from your own logged quarters, with observations and ranked next steps. Plus Year in Review (your annual issue), Excel export, quarterly ritual reminders with a calendar file, what-if scenario overlays on the projection, and FI goal lines on the charts.
• improvedThe Vault became the Annual Logbook — a separate ledger of what you put in, deliberately never mixed into your net worth.

June 25–30, 2026

Try first, sign up when it's worth it

• improvedThe login wall came down. Land in the app, poke around with sample data, start entering your own — and it all carries over whenever you decide to keep it.
• newBackfill any past quarter — your history can start before Fuego did.

June 8–9, 2026

Fuego, in acid lime

• newTALLY became Fuego — new name, the graffiti wordmark, and the acid-lime palette that runs through everything.
• improvedEntry got radically simpler: an account is a type, a name and a value. The per-ticker detail moved to where it belongs — the Logbook.
• newWhere you stand: your estimated net-worth percentile among US households your age. Context, not a verdict.

June 3–4, 2026

First light

• The first version: quarterly net-worth snapshots with a full balance-sheet history, FIRE projections with Coast FIRE and what-if sliders, a savings tracker, PDF export, and a little XP for keeping the habit. Manual entry, no bank linking — that part was never up for debate.