Your details

Settings opens on two cards about who you are. The first is the account itself; the second is a questionnaire the rest of the application reads.

Badlen account

Your username and your email, each editable in place, saved together. The username is what you type to sign in, and it is also what the account deletion asks you to spell out, so a rename changes both.

Both have to be free on the instance. A name or an address another account already uses is refused, and nothing is saved.

The email is where a password reset link goes, so changing it is guarded like the password: the card asks for your current password as soon as the address differs, and for a code from your authenticator when two-factor authentication is on. The new address then receives a link, valid for an hour, and the account keeps the old one until that link is opened; meanwhile the card says the change is waiting for confirmation. On an instance with no mail server, the link is written to the server log instead, where the person with server access can read it, like a reset link.

The address is also where the relay writes to you, when you set one up. Badlen sends it nothing else.

My situation

Nine optional fields, none of which Badlen needs to work:

• First name and last name; the first name, when given, takes the username’s place at the right of the top bar
• Date of birth, which is shown back as an age
• Employment status, among permanent contract, fixed-term contract, temp work, self-employed, unemployed, retired and other
• Net monthly salary
• Fixed monthly expenses, loan repayments excluded
• Withholding tax rate, as a percentage
• Dependents
• Retirement age, which dates your retirement on Journey; left empty, the legal age of your generation is used where Badlen knows it

They are saved to your account rather than to the browser, so they follow you across devices. Nothing in them leaves your instance.

Risk profile, emergency fund and Advice

The questionnaire is used in three places, which is why it is worth filling in:

• The risk profile on the same page, which scores your exposure from 0 to 100 and reads nothing but the weight of each asset class in your wealth. The questionnaire does not change that score; it puts it in context.
• The emergency fund, whose recommended target rises with dependents, home ownership and age. Your safety net explains how to set it.
• The Advice page, which reads your situation to decide which rules apply to you.

When a field is left empty, the figure that depends on it is not shown rather than guessed.

Saving

The card keeps a draft as you type and shows Unsaved changes until you press Save. If you leave the page with unsaved changes, the browser asks you to confirm first.