Mike's Financial Command Center

Net Worth Snapshot: Cash = Checking + Savings account types. Invested = Brokerage account types (Fidelity Cash Management + Fidelity Income & Growth). Same methodology as the desktop dashboard's Cash vs Invested Mix card.

Left to spend this month: Your paycheck this month, minus bills you're on the hook for, minus card charges you've already made, minus what you've spent so far, minus real money already sent to Fidelity. Spend this down to $0 and the whole check is genuinely accounted for — nothing left uncounted. Card charges count the instant they post to a card (YNAB-style), not when checking's autopay later clears them, so nothing is double-counted or missed.

The 7 small tags under "Protected fixed pulls" are exactly what makes up that line, one per commitment — UPDATED 09/11/2026: Claude Pro and Era Automate now show as two separate tags instead of one combined "Fixed Software" tag, per Mike — a dashed tag means real $0.00 because it genuinely hasn't posted yet this month, not that it's missing or wrong. That's why the total climbs as the month goes on: it's not an error correcting itself, it's real money leaving on its own schedule. Same exact live formula as the desktop dashboard's Cash Flow / Headroom card, so the two can never disagree.

Checking balance vs. your floors: FIXED Sept 1, 2026: this card now leads with available balance as the big headline number, matching the main dashboard exactly (it was showing current balance as the headline before, which is why the two apps looked like they disagreed on your balance — they were just leading with different numbers, not different data). Current balance is now the secondary line. All floor-status math (bar fill, Healthy/Normal Range badges) is also now available-based, same as the main dashboard. FIXED 09/26/2026 per Mike, real bug caught live: the bar and its status text used to stop at the $17,341.72 Rebuild Ceiling, as if that were the top of the scale — but the real, more important number above it is the $19,573.78 Section 7 growth-transfer trigger (the balance that has to clear before the optional $5,000 discretionary transfer is even eligible), and that marker was simply missing, both from the bar and from the status logic below it. Scale now runs 0–$21,000 (matching the desktop dashboard's own scale exactly) so all 5 floors, including Trigger, fit with room to spare. Balance checked live — if you were just paid, Era hasn't synced that deposit yet; this updates once Era catches up.

Fidelity Income & Growth: Account total is live from Era today. Cost basis and gain/loss are live from the shared Snowball holdings cache (summed per-ticker cost basis/market value), same source as the Income Portfolio table below -- no more manual snapshot.

Fidelity Sleeve Buffer: 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.

Dividends received: Nov 2026 box stays a manual N/A — that projection needs real per-share dividend rates × live share counts, which this build doesn't fetch. Ask the Chief of Staff to refresh it.

Updated 09/26/2026: holdings data now comes from Snowball (swapped off Truthifi, which had a 5/day + 25/mo free-tier cap forcing a once-a-week refresh) — the live desktop dashboard pulls Snowball fresh on every refresh now, no more Friday-only gate. Everything else on this card (Lifetime, YTD, last complete month, and current month-to-date) is genuinely live from real Era "DIVIDEND RECEIVED" transactions on every page load.

Passive Income Goal — $2,000/mo: SWAPPED 09/26/2026 per Mike: no more manual Snowball-snapshot / 35-day recheck gate. Run-rate and progress-to-goal are computed live from the Income Portfolio holdings table above (Snowball shares + live price/rate data) on every refresh, reusing the same figures already computed for the $2,000/mo Milestone card below -- no extra API calls. Deliberately does NOT show a "years to goal" projection -- that would require a real dividend-growth-rate model this build doesn't have, and inventing one would violate the no-estimates rule. For real, actual month-by-month dividend cash, see the Dividend Income card above.

Distribution Watch: Compares each holding's current per-share distribution rate (from the table above, already fetched, no extra API calls) against the last time THIS device opened this page. Runs automatically every load. Flags cuts and raises; never executes a trade, only surfaces and points back to your own Rule 2/Rule 3 response framework. Stored locally on this device only — not synced with the desktop dashboard's own separate Distribution Watch history.

Portfolio balance vs. targets (75/15/10): Key above applies to the per-ticker "Drift" column and matches the actual Smart-Buy rule exactly: each holding gets a ±2.5% acceptable drift band around its own target weight (Section 8 of the master rules) — green means inside that band, red means outside it and a candidate for extra Smart-Buy dollars if underweight. (Updated 9/5/2026: this used to be a 3-color 1.5/3-point scale that didn't match any real rule — collapsed to 2 colors tied to the actual 2.5% threshold.) Target weights are the source of truth for the 75% Income / 15% Growth / 10% Stability structure. SGOV trigger (separate flag above): red means SGOV has hit ≥15% of the 8-position total — Rule 2 says turn off SGOV reinvestment and redirect its distributions into the highest-conviction Income/Growth positions trading at the deepest discount to target; green means it's still under that threshold. "Actual" uses live price × shares from the Holdings table above — live from the shared Snowball cache (updated 09/26/2026, refreshes every time the desktop dashboard is opened, no more weekly gate) when it's been seeded, otherwise the static snapshot noted there (see that card's Details for which one is currently in use).

Debt & Credit Snapshot: All 4 revolving cards, live balances. Era doesn't expose credit limits for these accounts (except Discover, which shows $15,000 available), so this is debt load, not a utilization ratio.

Yearly & irregular bills: 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.

As of 09/02/2026, the "Last real charge" column is genuinely live — on every page load it searches up to 24 months of real Era transactions per bill (same matching rules as the desktop dashboard's audited Subscription Tracker: keyword + amount tolerance, per linked account) and shows the actual date and amount of the most recent real match, plus whether it's posted THIS calendar month yet. "No match" means Era has no real transaction matching that bill in 24 months — worth a second look if you see it on something that should be recurring. "Couldn't verify" means the live check itself failed (e.g. Era rate limit) — refresh to retry, not a claim the bill didn't post.

Flagged Transactions: Live on every page load — anything Era itself has tagged needs_review on BofA Primary Checking in the last 30 days (duplicate charges, unrecognized merchants, anomalies Era's own detection flags, etc.). This is a pass-through of Era's own flag, not a separate guess.

Connection Health: Read from Era's own connection list only when you open or refresh this page (one Era call, then a saved copy for up to 1 hour). Nothing runs in the background. Links Era has archived are listed separately and not counted.

$2,000/mo Income Milestone: Actual YTD is live from Era (Fidelity dividend transactions since Jan 1). Projected forward annual and baseline monthly are computed live from the Holdings table above, same formula sequence as the desktop dashboard.

Page footer (09/27/2026): Updated 09/27/2026: Headroom to Spend (including the full 6-account investing/savings basket), Net Worth Snapshot, BofA Checking, both Fidelity cards (including cost basis/gain-loss, now live), Debt & Credit Snapshot, All Connected Accounts, both Bills tables (including the checking/card rollup totals), Due in the Next 7 Days, Cash Flow Trend (3/6/9/12-month chart), Dividend Income (Lifetime/YTD/last month/MTD), and Flagged Transactions all fetch live from Era every time you open this page (via the mike-era-backend Worker) — no manual regeneration needed. Income Portfolio — Live Holdings, Distribution Watch, Structural Drift Check, DRIP Compounding Ledger, Period Returns by Holding, Passive Income Goal, and the $2,000/mo Milestone are all live every time this page loads, reading back the same shared Snowball cache the desktop dashboard refreshes on every one of its own loads (this mobile build never calls Snowball directly). Only the Home Maintenance Reserve is a fully static manual snapshot with no live component -- no connector exists for it on either dashboard. (The Vanguard half of Total Dividends Since You Started Investing is fixed history from a now-closed account with no live source -- see that card's own note.) This mobile build makes zero direct Snowball calls of its own -- it only ever reads back what the desktop dashboard already pulled and shared.