TOTAL NET WORTH (ASSETS - LIABILITIES)
$346,380.00
LAST SYNC: 2026-09-04 14:32 UTC •
ENCRYPTION: HOST-LOCAL SQLITE
Total Gross Assets
$779,550.00
Across 10 verified accounts
Total Liabilities
$433,170.00
Mortgage + Auto + Credit
Liquid Net Worth
$148,280.00
Cash & Brokerage - Credit
Real Estate Equity
$152,500.00
LTV: 73.01% (CMG Mortgage)
Debt-to-Asset Ratio
55.57%
Conservative < 65% ceiling
Uncaptured HYSA Yield
+$2,477.12/yr
4.75% APY cash opportunity
🎯 Monthly Budget Pacing
80.6% BURN
$5,726.40 / $7,100.00
Remaining: $1,373.60
2 Categories Nearing Limit
💳 Cross-Card Subscriptions
8 ACTIVE
$462.93/mo
Annual Run Rate: $5,555.16/yr
Chase: $340.00
Apple: $77.93
Mercury: $45.00
📅 Recurring & Unpaid Bills
2 MANUAL ACTION
$5,516.40/mo
Austin Energy (Sep 20) • Chase Statement (Sep 28)
4 Recurring Bills Scheduled via Autopay
⚠️ Immediate Areas of Concern
6 ACTION ITEMS
Unpaid bills requiring manual payment ($2,045.40), subscription creep ($462.93/mo), credit card APR drag, and budget ceiling warnings.
🚀 High-Alpha Opportunities
6 STRATEGIES
Standby HELOC on $152.5k home equity, 4.75% HYSA automated sweep, 8.5-11% private credit yield, and disciplined venture SAFE budgeting.