[brudgers]

It also allocated to the user defined goal before children's college education.

My advice would be to reduce the number of inputs and achieve a testable range of permutations as the minimum viable product...then test the hell out of it so that features can be added without regressions.

My impression is that the state space is enormous given the number of options and it is unlikely that any individual can hold the corner cases in their head given the combinatorial explosion.

Good luck.