Mike's Financial Command Center

Snapshot as of 09/01/2026 · ~10:30 PM ET · pulled live from Era Context (account balances unchanged since last check)
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Net Worth Snapshot

$118,442.87

Total assets minus credit card debt, computed live from all 11 connected accounts
Cash
$35,285.55
Invested
$83,948.07
Total Assets
$119,233.62
Credit Card Debt
$790.75
Cash = Checking + Savings account types. Invested = Brokerage account types (Fidelity Cash Management + Fidelity Income & Growth). Same methodology as the live Cowork dashboard's Cash vs Invested Mix card.

BofA Primary Checking — Liquidity Floor Position

$12,887.51

$16,870.69 available (includes overdraft protection line)
You: $12,887.51
Emergency
$8,170
Cushion
$12,255
Max
$16,340
Ceiling
$17,340
Healthy $632.51 above the 3-month Operating Target Cushion, $3,452.49 below the 4-month Max Normal Floor. Comfortably inside your normal range.
Scale runs 0–$20,000 so all 4 floors (Emergency $8,170, Cushion $12,255, Max $16,340, Rebuild Ceiling $17,340) fit with room to spare above the Ceiling — the old version cut off at $16,340, so a balance above that had nowhere to go on the bar. Balance checked live again just now (10:46 PM ET) and is still $12,887.51 — if you were just paid, Era hasn't synced that deposit yet. Bank site is the source of truth when that happens; this will update once Era catches up.

Fidelity Income & Growth

Live account total (today)$77,440.68
— uninvested cash in account$751.67
— invested value (live)$76,689.01
Last verified cost basis (manual, 08/14/2026)$72,174.96
Account total is live from Era today. Cost basis has no live connector (confirmed on the main dashboard) so it stays a dated manual snapshot — shown separately rather than blended into a single "gain" number, since that would mix a live figure with a stale one.

Fidelity Sleeve Buffer

$751.67

settled/available cash at Fidelity Income & Growth
Fully buffered $1.67 above the $750 target — covers the next 1st-of-month auto-buy.
Live balance checked just now. Target is $750 settled cash ahead of the 1st-of-month auto-buys (Income/Growth baskets + SGOV) — same target as the main dashboard.

Passive Income Goal — $2,000/mo

Current run-rate$3,903.53/yr (~$325/mo)
Progress to goal16% of $24,000/yr
Snowball's own projection~12 years (by 2038)
Your target10 years or faster
Real — Aug 2026 (last complete month)
$249.95
Real — Sep 2026 MTD
$0.00
Run-rate/progress/projection are a manual Snowball Analytics snapshot from 08/07/2026 (no live connector for Snowball). The two boxes above ARE live — real dividend transactions pulled just now for last month and this month so far, same real-vs-smoothed split as the main dashboard. September MTD is $0.00 because the month just started, not a data gap.

Debt & Credit Snapshot

Amex Blue Cash Everyday$308.62
Citi Diamond Preferred$92.30
Discover (Michael)$60.50
Cap One Quicksilver$329.33
Total credit card debt$790.75
All 4 revolving cards, live balances. Era doesn't expose credit limits for these accounts (except Discover, which shows $14,940 available), so this is debt load, not a utilization ratio.

YTD Dividends Received

$642.54

Real cash dividends, Fidelity Income & Growth + Cash Management, Jan 1 – today
Computed from 38 real "DIVIDEND RECEIVED" transactions in Era (Jan 1–Sep 1, 2026), excluding the 4 offsetting "Dividend Reinvestment" entries (those are the same dividend cash immediately reinvested, not separate income) and excluding a $0.84 Alliant Savings interest-dividend, which isn't a Fidelity investment dividend. This is actual dividends received, not a projection — matches the methodology already verified on the main dashboard.

Total Dividends Since You Started Investing

$1,403.43

Apr 2025 – today, across both brokerage accounts
Vanguard (closed, Apr ’25–Jun ’26)
$760.89
Fidelity (YTD, Jan ’26–today)
$642.54
Vanguard figure is real, parsed directly from your uploaded 50-page Vanguard activity report (account 70769745, all 90 actual "Dividend" transactions, Apr 2025 through account closure in June 2026 — excludes reinvestment debits so nothing is double-counted). That account is now fully closed with no live data source, so this number is fixed history and won't update on its own — it'll only change if you upload a corrected statement. Fidelity figure is the live YTD card above. The two don't overlap: separate accounts, added together for your true lifetime total.

Monthly Bills

BillAccountAmount
T-Mobile (Phone & Internet)BofA Checking$132.10/mo
Hang10 Car WashCiti$25.00/mo
SpotifyCap One$12.99/mo
Shenandoah Valley Electric (variable)Cap One$140–$280/mo
Fixed monthly total (excl. variable electric)$170.09/mo
Trupanion Pet Insurance is intentionally NOT listed — cancelled 8/29/2026, last charge 8/12/2026, $70.88 refund still pending on Capital One. Electric is genuinely variable per your billing, so it's shown as the real range rather than a fixed guess — whatever posts each cycle is the real number.

Non-Monthly Bills (never shown as a monthly-equivalent, per your standing rule)

BillAccountCadenceAmount
GEICO Car InsuranceCap OneEvery 6 months$593.00
Amazon PrimeAmex Blue CashPer year$139.00
Walmart+ (renews mid-Nov)Amex Blue CashPer year~$98.00
Google One StorageBofA CheckingPer year$19.99
Live BeardedCitiEvery 8 weeks$40–$60
No blended "total" shown here on purpose — summing a 6-month premium, two annual subscriptions, and an 8-week cadence into one number would itself be a form of smoothing, which your standing rule forbids.

2026 Home Maintenance Reserve

Estimated need$3,000 – $8,000
Funded so farNot yet earmarked
TimingBefore year-end (contractors booked out months)
Manually tracked, matches the main dashboard — update once quotes are in and a funding plan exists.

All Connected Accounts

AccountInstitutionBalance
Primary CheckingBank of America$12,887.51
Secondary CheckingBank of America$771.93
Rewards CheckingAmerican Express$1,651.27
High Yield SavingsAmerican Express$19,613.07
Savings AccountAlliant Credit Union$361.77
Cash Management (Individual)Fidelity Investments$6,507.39
Fidelity Income & Growth InvestmentsFidelity Investments$77,440.68
Blue Cash EverydayAmerican Express−$308.62
Diamond PreferredCitibank−$92.30
MichaelDiscover−$60.50
QuicksilverCapital One−$329.33
11 accounts, all balances live from Era Context as of this snapshot's timestamp above.
This is a snapshot, not a live-refreshing page — numbers are current as of the timestamp at top. Ask Claude to refresh and redeploy for updated figures. Still to add: Holdings/DRIP Ledger and Structural Drift Check (Truthifi's free monthly lookup limit is hit again as of this update, resets midnight ET). Bills & Subscriptions are already covered above via the Monthly/Non-Monthly Bills tables (built from verified Era facts, not the unreliable auto-detect tool).