Comprehensive Institutional Breakdown
The DIME framework replaces guesswork with actuarial math: Debt (eliminating consumer and final liabilities), Income replacement (funding living expenses until the youngest child reaches age 22), Mortgage retirement (clearing primary residence debt), and Education (prefunding college tuition).
Carl Brent Anthony Institutional Rule
Trading capital must never be exposed to family liability. Insulate the household with low-cost 20-year level term insurance, freeing maximum liquid capital for disciplined market execution.
Algorithmic Formula / Notation
Insurance Need = Debt + (Income × Years to Youngest Child Age 22) + Mortgage Principal + (Education × Children) + Reserve
Institutional Scenario Example
$25k debt + ($120k income × 15 years = $1.8M) + $400k mortgage + ($100k × 2 kids = $200k) + $50k reserve = $2,475,000 total life insurance need.
Cross-Market & Execution Note
Full interactive calculations live on the Insurance Gap Analyzer tool.