Screens in this prototype

Reach: Spend → Money Flow

Default. Income, the hub, three sibling buckets with amount and share, the leftover. Everything collapsed.

Reach: First visit, after the buckets are seeded

The default for a household that hasn't set up a framework: the full four-bucket system shown as a blank template. Same buckets, default descriptions, no accounts connected, no amounts, no targets, dashed connectors because no money moves yet. Income still shows — it comes from the bank feed. Setup happens here (register rows 1, 52, 61).

Reach: Set up Household Essentials and Lifestyle Spend from the blank template

Stage 1. Set buckets turn solid with their amount and account; the other two stay dashed. The intro card counts progress and the leftover card appears with the running total.

Reach: Set this up on Short-term savings → + Add an account

Stage 1. The live account list (components/goals/BankList.tsx). Accounts already used by another bucket show which one and can't be picked.

Reach: Set this up on a bucket → Save with nothing filled in

The footer names what's still missing, in the live income editor's error style (EditIncomesModal.tsx), and the field messages repeat it where the fix is. Focus moves to the first field that needs attention.

Reach: More on the income box

Reach: More on income → Edit

The live EditIncomesPopover from the budget page (components/new-budget/EditIncomesModal.tsx), transcribed. A popover, not a modal.

Reach: More on the hub

Reach: More on Lifestyle Spend

Reach: More on Short-term savings

SortMe could not match the transfer, so it asks. Sub-bucket allocations totalling the $520.00 on the branch.

Reach: More on Long-term savings

Reach: Edit a bucket → + Add a spend target

Searchable picker over the real 178 NZFCC expense categories. A category already capped in this bucket is disabled; one capped in another bucket is allowed and labelled.

Reach: Answer Yes on the unconfirmed transfer

Reach: Pencil beside a bucket name

Reach: Rename a bucket, connection drops

Reach: Spend → My Budget

The BudgetGroupTable shape with its category groups restructured as the four buckets.

Reach: Open a bucket's categories

Category targets each carry their own timeline, normalised to the household's cycle.

Reach: Lifestyle Spend categories

Eating Out tracked separately inside Household Essentials and Lifestyle Spend.

Reach: Spend → Spend Overview

Reach: Household Essentials detail

Spent $1,686.40 of $1,460.00 allocated and explicitly NOT flagged — the rule the whole reporting change exists for.

Reach: See what it went on

Reach: Overview

Scaffolded from the kit's financial-overview screen template, with the Money Journey and Money Flow cards added.

Reach: Overview when the household has pending actions

The conditional ActionNeededSection. default_visible:false in the region manifest, so it is its own state rather than part of the default page.

Reach: Edit a bucket amount, connection drops

This page owns the four numbers that are the budget, so it needs the same save / saved / failed affordances as the rename on Money Flow.