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)
On iPhone: tap the Share icon, then "Add to Home Screen" to use this like an app. On Android/desktop Chrome: use the install icon in the address bar.

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

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.

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

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.

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

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

YTD Dividends Received

$642.54

Real cash dividends, Fidelity Income & Growth + Cash Management, Jan 1 – today

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

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

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

2026 Home Maintenance Reserve

Estimated need$3,000 – $8,000
Funded so farNot yet earmarked
TimingBefore year-end (contractors booked out months)

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