Connections
No Plaid session here
Net worth
$1,273,281
Free cash
$4,765
After-tax inflow
$14,389
Outflow
$9,624
Net worth
12M$1,273,281
$32,396 this month
Cash flow
Rolling averages
| Metric | 3 mo | 6 mo | 12 mo |
|---|---|---|---|
| After-tax inflow | $13,683 | $13,423 | $13,339 |
| Outflow | $9,741 | $10,447 | $10,252 |
| Free cash | $3,942 | $2,976 | $3,087 |
| Savings rate | 28.8% | 22.2% | 23.1% |
Cash-flow outliers
Matt
Steady$13,542 gross/check
Matched Payroll stream
Latest two net deposits are within the expected couple-dollar range.
$8,322 latest
$8,322 prior
$0.26 delta
Amelie
Steady$10,417 gross/check, prior $5,417 gross/check
Matched Payroll stream
Use the higher gross reference once the raise is reflected in payroll.
$3,340 latest
$3,340 prior
$0.44 delta
RSU sale proceeds
investment income
Non-paycheck deposit in the current month.
+$12,800
4.2x
Steinway & Sons
home
Current-month spend is well above the recent baseline.
$7,200
5.3x
SoHo Home
furniture
Current-month spend is well above the recent baseline.
$1,850
3.2x
Equinox
fitness
Current-month spend is above the recent baseline.
$480.00
1.9x
Major monthly expenses
Housing baseline: $17,431 monthly
| Expense | Provider | Due | Monthly | Source |
|---|---|---|---|---|
Mortgage P&I | Bank of America 7y/6m ARM | 1st | $14,788 | BofA initial disclosure dated 2026-06-16 |
Property tax | BofA monthly estimate | Escrow estimate | $2,414 | BofA proposed monthly payment estimate |
Home insurance | Farmers estimate 400223191_1 | Annual quote | $145.62 | Farmers preliminary estimate annual total $1,747.39 |
CEA earthquake | Farmers/CEA estimate 490239904_1 | Annual quote | $82.25 | CEA earthquake annual premium $987.03 |