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L4 — Money Cycle (clause 7 · collects from clause 8, funds the system)

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graph TD
  N0["1. PLAN<br/>Budget: envelopes & priorities"]
  N1["2. COLLECT<br/>Income in: salary + product sales"]
  N2["3. ALLOCATE<br/>Family, immigration, infra, invest"]
  N3["4. SPEND<br/>Controlled by the allocation only"]
  N4["5. TRACK<br/>Record every movement"]
  N5["6. SAVE & INVEST<br/>Surplus to reserves"]
  N6["7. AUDIT<br/>Monthly close: plan vs actual"]
  N7["8. REVIEW & IMPROVE<br/>Adjust envelopes for next month"]
  N8["PORT ← L1-Career & L3-Products<br/>all income enters here"]
  N9["PORT → L2-Immigration / L6-Infra / L7-Family<br/>funded from allocation"]
  N0 --> N1
  N1 --> N2
  N2 --> N3
  N3 --> N4
  N4 --> N5
  N5 --> N6
  N6 --> N7
  N7 -->|"cycle closes"| N0
  N8 -.-> N1
  N2 -.-> N9
  style N0 fill:#D5F5E3,stroke:#186A3B
  style N1 fill:#D5F5E3,stroke:#186A3B
  style N2 fill:#D5F5E3,stroke:#186A3B
  style N3 fill:#D5F5E3,stroke:#186A3B
  style N4 fill:#D5F5E3,stroke:#186A3B
  style N5 fill:#D5F5E3,stroke:#186A3B
  style N6 fill:#FDEBD0,stroke:#9C640C
  style N7 fill:#FDEBD0,stroke:#9C640C
  style N8 stroke:#1A5276,stroke-dasharray:5 5
  style N9 stroke:#0E6655,stroke-dasharray:5 5

Ports

Sources

(Khaled adds official hyperlinks here — bank, budgeting method, investment references.)