FM TOOLS
The deeper work branch.
Private workflows live here first. Some tools may later feed PROOF or NARRATIVE, but nothing in FM Tools is public by default.
Branch Rule
Private does not mean hidden value
FM Tools is intentionally separate from outward-facing proof. Future tools can choose private, partially shared, or export-linked status.
Notes and step work stay internal.
A user can choose a safe summary.
A finished output can support PROOF or NARRATIVE.
Initial Modules
A scalable container, not a dead-end page
These lanes establish the route structure for future nested tools.
Credit IQ
ReadyLocal education tool
Sparky-style credit score decoder with score lanes, what-to-move steps, and a dollar simulator for next-tier borrowing costs.
Step Work
Coming laterPrivate by default
Private guided recovery workspace for structured deeper work, notes, and future milestone capture.
Guided Journals
Coming laterPrivate or partially shared
Structured reflection and writing flows that can stay private unless the user chooses to convert a piece into proof or narrative support.
Recovery Utilities
Coming laterPrivate workflow
Checklists, trackers, routines, stability supports, and small tools for keeping motion organized.
Narrative Utilities
Coming laterExport-linked optional
Optional helper tools that can support NARRATIVE outputs without automatically exposing private notes.