Files is about where your data lives: the portfolio is one local SQLite file, and everything on this page moves, copies, or swaps that file. Nothing here touches the network.
Because switching files replaces what every page is showing, anything on this page that opens a different portfolio asks about unsaved edits first: Open…, Move to…, Restore, loading or resetting a sample, Back to my portfolio, and Start fresh. Save keeps those edits in the portfolio you are leaving, Discard throws them away, and Stay cancels the switch and changes nothing. That includes the confirmation you were in: a typed phrase for Restore or Start fresh, or a sample's reset, is still there to try again, and nothing on the page claims a switch happened or failed. While a switch is running the app declines to save anything, and says so where you asked: your edit stays on screen, and you can save it once the new portfolio is open.
If a price update is running when you switch, the button reads Finishing the price update… for a moment: the batch already downloading is saved into the portfolio you are leaving, and the update stops there. Nothing it downloaded is written into the portfolio you open, and the update reports that it stopped because the portfolio was switched, which is neither a failure nor a finished update. Run Update Prices again in the portfolio now open. If a switch fails, every page re-reads the portfolio that is still open.
These data-custody tools remain available after a commercial trial ends. Read-only means the app stops portfolio and planning edits; it never takes away the ability to export, back up, restore, relocate, inspect or erase your own local data.
The database file
Open… switches to another portfolio file; Move to… relocates the current one (moving the data with it). The path shown is the file every other page reads and writes.
Backups
Back up now snapshots the database; auto-backup takes one at each
launch and prunes beyond your keep-count. Both the pruning and the list are
per database: the keep-count applies to the active database's own
backups, and snapshots of other databases you have opened, such as a sample or a
renamed portfolio, are never rotated out by it. They appear under Other
databases, grouped by source, where they can be deleted individually
(nothing there is removed automatically). Restore replaces your current
data with the chosen snapshot. It asks you to type RESTORE plus the
backup's file name first, and it saves a backup of the current database
to this list before swapping, so the state you just replaced stays
recoverable. The app reloads immediately so every page reflects the
restored file. Backups live alongside the database on your own disk.
When the list is empty, its recovery state offers Back up now directly;
you do not have to infer the next action from an empty list.
Creating, listing, deleting and restoring backups, along with changing their automatic-backup/keep-count settings, are explicit post-trial recovery rights. Restore writes the recovered database by design; that does not open a side door for editing its contents.
File → Back Up Now lands here and runs the same backup as the button (watch for the Saved badge); Open Data Folder on the same menu reveals the database file in Finder or Explorer without coming here first. Back up now in the ⌘K palette takes the same route from whatever page you are on.
Sample portfolios
The four universal life-stage households are working copies. Load one, change it while the trial or a license permits editing, and reset it to pristine whenever you like. After expiry you may still load, read and reset a sample, but portfolio edits inside the copy remain read-only. Your own portfolio file is never touched while a sample is active, and Back to my portfolio returns exactly where you left off. The ⌘K palette carries the same round trip: Load sample: … for each household, and Back to my portfolio whenever one is open.
Early career demonstrates contributions and a self-directed stock slice; Mid career compares brokerage implementations and retirement ages; Near retirement compares Roth-conversion choices; In retirement demonstrates withdrawals and a 15-rung Treasury ladder. A separate specialty sample for a Federal employee with TSP accounts appears below those universal choices. Its Traditional and Roth TSP accounts use periodic statement snapshots and the same target/reference models. It is an editable planning example, not a TSP connection, FERS calculator, or source of pro-rata/conversion instructions.
Start fresh
Clears your portfolio and re-runs the guided setup. It's deliberately hard to trigger: a typed confirmation is required, and a timestamped backup of your current data is written first, so even a fresh start is reversible from the Backups list above. This confirmed whole-portfolio erase remains available after expiry as the privacy-deletion exception; ordinary account, transaction, ticker and model deletion remains blocked.