DTB Finance.

Personal money hub — net worth, budget, cash flow, subscriptions
Personal Lane ← Hub
Net Worth
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Total Assets
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Total Liabilities
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Savings Rate
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Monthly Cash Flow
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Take-Home / mo
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RS&H net pay (biweekly × 26 ÷ 12)
True Spending / mo
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Includes all subs + lifestyle
Cash on Hand
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across all checking/HYSA
Health Score composite signal across 6 dimensions
Wins & Watch Items

Wins this cycle

Watch items

If you only do 3 things this week
    Combined impact: —. That closes most of the deficit without a lifestyle change.
    Net Worth
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    Total Assets
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    across 6 categories
    Total Liabilities
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    Assets —

    Liabilities —

    Asset Allocation
    Investment Accounts
    Strategy hold: keep $100/mo Roth IRA. Do NOT increase investments until the Suncoast personal loan (11%) is dead. Paying off 11% debt is a guaranteed, tax-free, risk-free 11% return.

    Take-Home: — / mo · True Spending: — / mo · —

    Needs —

    Savings & Investments —

    Employer adds: $269/mo free money (401k match $174 + HSA $50 + insurance $45).

    Debt Payments —

    Wants & Lifestyle —

    Where to Close the Gap

    Where the gap closes

    Total potential savings: $350-550/mo. Turns the deficit into a $0-200 surplus. Surplus goes straight to the personal loan at 11%, accelerating payoff from 30 mo to 18-22 mo.

    Annual run-rates

    Monthly × 12. Useful for tax / S-corp planning conversations.

    This Cycle's Action Items —

      Chase Checking (9379) primary

      DTB Realty Checking (8086) house bills

      Paycheck Allocation biweekly · split per pay date

      Gross → Net

      Allocation Plan (30/0/70)

      Personal allocation — Needs / Investments / Discretionary.

      Where Gross Goes

      Recurring Money Movement (from Chase activity)
      Sourced from Personal/DTB financials/Chase9379_Activity_20260409.csv. Drop more transaction history into that folder and we'll expand this view.
      Monthly Subs Total
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      On Credit Cards
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      at 22-28% APR if not paid in full
      Cut Candidates
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      potential monthly savings
      Active Count
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      active recurring subscriptions

      Full Subscription List click a row to mark for action

      Audit Tiers

      Tier 1: Cut or Downgrade ~$130-180/mo savings

      Tier 2: Consolidate or Optimize

      Tier 3: Keep essential / high value

      Tier 4: Move Off Credit Cards

      Every sub on a 22-28% APR card adds 5-7% effective cost if balance carries. Move essentials to debit/checking. Only keep cards for things paid in full same-month.

      Recommended move list

        Total Debt (excl mortgage)
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        Mortgage Balance
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        Highest Rate Debt
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        CCs Cleared
        $0
        all revolving balances dead (Apr 2026)

        All Debts by Priority

        Payoff Phases avalanche by rate

        ✓ Phase 0: Credit Cards

        $0
        All revolving balances cleared April 2026 ($491.65 paid off using $400 from emergency fund).

        Phase 1: Personal Loan (11%)

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        Phase 2: Student Loans (8.8%)

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        Phase 3: A/C Loan (3%)

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        Debts NOT Accelerated and why
        Projected Timeline
        2026 Goals Tracked
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        across savings, debt, investing
        On Track
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        goals at or above pace
        Behind
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        need attention
        Sinking Funds prepaid savings buckets
        Why sinking funds matter: $100/mo into Vacation, Holiday, Car, and Sinking buckets means a $1,200 vacation, $500 Christmas, or $800 brake job doesn't blow the budget. Currently underfunded — phases-in as debt is eliminated.
        2026 Financial Goals
        Long-Range Targets

        Generational Wealth Project

        • North star: $1M real estate portfolio with Derrick
        • Strategy: flip-first, Tampa Bay focus
        • Status: not yet capitalized — depends on personal loan payoff first

        S-Corp / LLC Planning

        • Trigger: when BPP K-1 distributions clear ~$50K/yr
        • Decision target: Q3 2026 evaluation
        • Status: not started — coordinate with CPA

        Net Worth Journey since Jul 2019

        Starting
        $17,506
        Jul 2019
        →
        Current
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        Total Growth
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        CAGR
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        compound annual growth

        Snapshots

        Companion Files

        Workbook

        Personal/DTB financials/DTB_Finance_Final_2.xlsx

        7-sheet finance workbook: Balance Sheet, Monthly Budget, Income Statement, Debt Tracker, Financial Plan, Net Worth History, Dashboard.

        Snapshot Dashboards

        Earlier static dashboards (dark theme):

        Apr 2026 snapshot

        Mar 2026 snapshot

        Source Doc

        Personal/DTB financials/_Archive/DTB Financial Overhaul - March 2026.md

        Narrative writeup of the March 2026 overhaul that this dashboard pulls from.

        What this hub is

        A single-file financial dashboard for the Personal lane. All data lives in a JS object inside this HTML (FINANCE_DATA) so it loads instantly with no server, no fetch, no API. Edit numbers in one place to refresh the entire view.

        Last data refresh: — (from the April 10, 2026 dashboard + March 2026 overhaul + Chase activity through April 9, 2026).

        Open Questions for Tomorrow

        1. Updated balances — paste current Chase 9379, 8086, Marcus, Apple, etc. balances. Most recent are from Apr 10.
        2. Full Chase transaction history — the file we have only covers 21 transactions. A 90-day export will let us classify recurring vs. discretionary properly and surface unbudgeted spending patterns.
        3. BPP distribution income — should personal-side BPP K-1 distributions show up here, or stay in BPP workspace? My take: a single "BPP draws YTD" KPI on Overview, with no detail.
        4. Investment account balances — Fidelity 401k pre-tax/Roth split is currently estimated. Login + paste actuals once.
        5. Real estate (DTB Realty) — should rental P&L live here or in a separate sheet? Currently the realty checking shows up in cash flow, but no NOI tracking.
        6. Auto-refresh path — long term: a Python script that reads Chase CSV + a balances YAML → regenerates this HTML. Worth building? Or stay manual + voice-driven?

        How to update data

        1. Open this file in VS Code: finance.html
        2. Search for const FINANCE_DATA near the bottom
        3. Edit the relevant block (balances, subs, debts, etc.)
        4. Save and refresh in browser

        Or just tell me

        Voice or paste: "Suncoast is now $16,200. Marcus EF is $2,100. Killed Patreon and Uber One." I'll update the file and confirm.

        Roadmap
        PhaseFeatureStatus
        v1Multi-tab static dashboard with all current datalive
        v1.1Updated balances + 90-day Chase history ingesttomorrow
        v1.2Health score formula refinement (currently weighted heuristic)planned
        v1.3Editable inline balance fields with localStorage persistenceplanned
        v2Auto-refresh via Python: CSV + balances YAML → regenerated HTMLconsidering
        v2Real estate sub-tab (DTB Realty NOI, future flips)considering
        v2Tax planning sub-tab (S-corp eval, quarterly estimates)considering
        v2Tie subscription audit checkboxes to actual cancellation trackingconsidering
        Source & Methodology
        DataSourceRefresh cadenceHow automated
        Net worthManual entry from Rocket Money + Fidelity + bank balancesMonthlyManual
        Paycheck breakdownRS&H pay stubs (biweekly)BiweeklyManual paste
        Bills & subsChase CSV + Rocket Money + memoryMonthlyManual classify
        Debt balancesSuncoast / WF / FedLoan / mortgage statementsMonthlyManual
        Investment balancesFidelity, M1, ESPP portalMonthlyManual login
        Cash flow planGenerated from upcoming bills + paycheck dateEach pay cycleSemi-automatic