The one distinction that matters most in the dashboard — spendable balance versus committed savings.
The dashboard is built around one strict rule: your Wallet and your Savings Plans are never the same thing, and the interface never lets them blur together. Your Wallet is what you currently control — funds sitting in your embedded wallet, ready to move. A Savings Plan is money you’ve deliberately committed, subject to that plan’s own rules, no longer just sitting there waiting on you.
Your Wallet balance is what you see at the top of Home — real, on-chain USDC in your own embedded wallet, readable and spendable at any time. Funding your wallet (via Fund Wallet) and withdrawing from it are wallet-level actions. Nothing here is locked, and nothing here has committed to any plan’s rules yet.
The moment you deposit into a Savings Plan, that money leaves your spendable wallet balance and becomes subject to the plan’s own rules — its lock period, its participants (if shared), its yield terms. It shows up in My Plans, not in your wallet balance, because it isn’t spendable the same way anymore. Redeeming principal or claiming yield from a plan returns funds to your Wallet first — they don’t leave the protocol directly from the plan itself.
It’s easy for "how much money do I have" to become a confusing question the moment some of it is locked, some of it is earning yield, and some of it is just sitting there. Keeping Wallet and Savings Plans strictly separate — in the UI, in the numbers shown, in the language used — means you always know exactly which bucket a dollar is in, and exactly what it would take to move it.