Mike's Financial Command Center

Snapshot as of 09/01/2026 · ~11:15 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
DetailsCash = 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

$16,870.69

available (includes overdraft protection line) · $12,887.51 current balance
You: $16,870.69
Emergency
$8,170
Cushion
$12,255
Max
$16,340
Ceiling
$17,340
Healthy $530.69 above the 4-month Max Normal Floor, $469.31 below the Rebuild Ceiling. Comfortably inside your normal range.
DetailsFIXED 09/01/2026: this card now leads with available balance ($16,870.69) 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 ($12,887.51) 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. Scale runs 0–$20,000 so all 4 floors fit with room above the Ceiling. Balance checked live — if you were just paid, Era hasn't synced that deposit yet; this updates 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
DetailsAccount 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.
DetailsLive 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.

Dividend Income (real cash — shown before the smoothed goal card below on purpose)

Lifetime Total (Apr ’25–today, both accounts)
$1,403.43
YTD Received (Fidelity, Jan 1–today)
$642.54
Past · current · upcoming month (real cash, not smoothed)
Aug 2026 (past, final)
$249.95
Sep 2026 (current, MTD)
$0.00
Oct 2026 (upcoming)
N/A
Details YTD: computed from 38 real "DIVIDEND RECEIVED" transactions in Era (Jan 1–Sep 1, 2026), excluding the 4 offsetting "Dividend Reinvestment" entries (same cash immediately reinvested, not separate income) and a $0.84 Alliant Savings interest-dividend (not a Fidelity investment dividend).

Lifetime Total: $760.89 real Vanguard history (parsed from your uploaded 50-page activity report, account 70769745, all 90 real "Dividend" transactions, Apr 2025 through that account's June 2026 closure — now fully closed, no live source, fixed unless you upload a newer statement) + $642.54 live Fidelity YTD above. Two separate accounts, no overlap.

Aug 2026: real, final — pulled live from actual "Dividend" transactions posted to Fidelity Income & Growth (SGOV $22.95, JEPI $53.19, JEPQ $134.58, DIVO $39.23). Sep 2026: real so far, $0.00 because the month just started (day 1), not a gap.

Oct 2026 box is back per your instruction (the 3-box past/current/upcoming layout was never supposed to go away — only the fabricated number was the problem). It's honestly marked N/A rather than guessed: I checked Truthifi again for real per-share dividend rates × your live share counts to compute a defensible projection, and it returned no holdings data (still limit-blocked or not yet re-synced).

New standing rule (09/01/2026): this box, and any other figure on either dashboard that depends on Truthifi's holdings data, is only re-checked and updated on Fridays — Truthifi's free tier has a limited number of monthly lookups, and Friday-only checks keep us well inside that limit instead of burning it early in the month. Between Fridays this box will keep showing N/A (or its last Friday value) rather than a stale or guessed number.

Passive Income Goal — $2,000/mo

Run-rate (smoothed)
$325/mo
Progress to goal
16%
$3,903.53/yr run-rate ÷ 12 = $325/mo — a smoothed average, not a real monthly cash amount. 16% of the $24,000/yr goal.
Projection Snowball's own model: ~12 years to goal (by 2038). Your target: 10 years or faster.
Details Run-rate/progress/projection are a manual Snowball Analytics snapshot from 08/07/2026 (no live connector for Snowball). The $325/mo figure is the $3,903.53/yr run-rate divided by 12 — a smoothed average, not a real monthly cash amount — marked with the yellow chip so it's never mistaken for an actual payment. For real, actual month-by-month dividend cash, see the Dividend Income card above.

Debt & Credit Snapshot

Amex Blue Cash Everyday$308.62
Citi Diamond Preferred$92.30
Discover$60.50
Cap One Quicksilver$329.33
Total credit card debt$790.75
Autopay All 4 cards set to clear statement balance in full each cycle — this is revolving float, not carried debt.
DetailsAll 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. FIXED 09/01/2026: Discover's card label now reads "Discover" -- was showing "Discover (Michael)," which is Era's raw account name for the live connection (matches the desktop dashboard's Debt & Credit Snapshot naming convention, fixed there 08/21/2026). Same live account, same real $60.50 balance either way -- display label only.

Monthly Bills

BillAccountAmount
T-Mobile (Phone & Internet)BofA Checking$132.10/mo
Fidelity Basket feeBofA Checking (debit)$4.99/mo
Claude ProBofA Checking$20.00/mo
Hang10 Car WashCiti$25.00/mo
SpotifyCap One$12.99/mo
Shenandoah Valley Electric (calculated avg)Cap One$210.00/mo
Replit CoreBofA Checking$20.00/mo
Monthly total$425.08/mo
DetailsTrupanion 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 shown as your calculated average of $210.00/mo (per your figure — Era's connector currently only surfaces 1 real charge for this merchant, $198.34 on 8/4/2026, not enough live history to recompute the average independently). Replit Core's $20.00/mo is the known base subscription charge (real, confirmed via the 8/18 "Link.com DES:REPLIT" transaction) — it can bill extra metered-usage charges on top some months (August's real total across all 4 charges was $153.67); those aren't included in this base 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
Era Context AutomateCap OneQuarterly (~91 days)$67.47
DetailsNo 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.

How these amounts are checked: on the main (desktop) dashboard, every bill here — monthly or not — is matched live against real Era transactions every time you open it, and only counts toward that month's "From checking" total on the actual real month a matching charge posts; if nothing's posted yet, it shows as missing rather than being force-counted. This mobile snapshot doesn't run that live check itself (it's a static page, not a live connector) — the amounts above are reference figures (real known cadence and real last-charged amount, manually verified each time this page is regenerated), not a live "has this hit yet this cycle" status. Checked just now for this cycle: none of GEICO, Live Bearded, or Era Context Automate have posted in September yet (month just started) — consistent with their real cadences.

2026 Home Maintenance Reserve

Estimated need$3,000 – $8,000
Funded so farNot yet earmarked
TimingBefore year-end (contractors booked out months)
Not yet funded No dedicated reserve set aside yet — budget for this before committing to other discretionary moves.
DetailsManually 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
DiscoverDiscover−$60.50
QuicksilverCapital One−$329.33
Details11 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. Per new standing rule (09/01/2026), any figure depending on Truthifi (holdings-based projections, Drift Check, etc.) is only refreshed on Fridays to stay well within Truthifi's limited free monthly lookups — expect those specific numbers to hold steady Sat–Thu. Bills & Subscriptions are already covered above via the Monthly/Non-Monthly Bills tables (built from verified Era facts, not the unreliable auto-detect tool).