DTB Hub. Three-Lane Operator
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RS&H BPP Personal
Today · — · Personal Lane
★ Today's Anchor
Loading anchor from brief…
Meetings
—
today
Focus Hours
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deep-work capacity
Wellness
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today's block
Lane Mode
RS&H 8:30-4:30
BPP evenings
core hours frame
Day at a Glance · 6am – 9pm block hover for details
6am9am12pm3pm6pm9pm
Up Next · next 3 events —
The Blueprint · Daily Non-Negotiables source: Notion → DTB Planning

The Standards

  1. Always Do Your Best
  2. Never Give Up (pivot if needed)
  3. Never Go 2 Days Without Working Out
  4. Never Miss a Monday
  5. Be Self Accountable + Consistent

Daily Must-Do's

  • Pray / Express Gratitude
  • Mindfulness / Stillness
  • Work out + Stretch
  • Medicine + Vitamins
  • Read
  • Follow the Blueprint
Wake 6:00 AM Evening rtn 9:00 PM Lights out 10:30 PM 4 workouts/wk Sunday faith input
Today's Brief · _planning/daily/—
Today's Tools · bills · habits · capture · piano live widgets
Personal Finance · 7-Day Window
Bills + Cash
Bills due (7d) —
Checking 9379 —
DTB Realty 8086 —

Full app: finance.html

Behavior · Last 7 Days
Habit Grid

Tap a square to mark complete.

⚡ Frictionless · Auto-saves to browser
Quick Capture
DTBenjamin Brand · Reference
Piano · Repertoire & Lesson Focus

In Rotation

  • Khachaturian — Ivan Sings (primary classical · recital piece)
  • Jamie Foxx — Hey Lovers (TV show · ear/rhythm)

Working On (parked, not abandoned)

  • Chopin — Prelude Op. 28 No. 4
  • Chopin — Waltz in A minor
  • In Your Own Sweet Way (jazz standard)

Current Lesson Focus

  • Ear: Tritone + Major 7th, sing-the-3rd rule
  • Tech: Daily key rotation C → F → B♭ → G → D → A → E
  • Tech: ii–V–I 7th arpeggios · subdivision drill (1 e & a)
  • Pieces: Ivan Sings (tone, phrasing) · Hey Lovers (melody by ear)
  • Minor scales: as behaviors of the same key, not separate scales
"Ear leads. Technique serves. Music comes first."

Edit: _claude/context/piano.md · Source: Notion · Last sync 2026-05-06

Finance · Personal Money Hub · full app ↗
★ Net Worth Snapshot
$175,442 net worth. +$6,230 from prior snapshot. 902% growth since Jul 2019.
Total Assets
$424k
85% home/vehicles · 13% investments
Total Liabilities
$249k
$199k mortgage · $43k other · $6k tax
Monthly Cash Flow
−$725
true deficit after all subs
Savings Rate
23.1%
+ $269/mo employer match
This Cycle · Top Actions & Watch Items deep-dive at finance.html

Top 3 Actions

  1. Audit Booksy, Patreon, Uber One — these three free up $100+/mo
  2. Move essential subs off credit cards to Checking 9379 debit — stops interest bleeding
  3. Call T-Mobile + car insurance — 15-min call could save $50-80/mo

Combined: $200/mo freed. Closes most of the deficit without lifestyle change.

Watch Items

  • Emergency fund $1,829 of $4,000 target — rebuild $50-100/mo
  • $441/mo subs on credit cards at 22-28% APR if not paid in full
  • Personal Loan (Suncoast) at 11% — most expensive non-CC debt
  • FabCon $2,239 reimbursement on Amex — file claim, free money
  • Checking hits $0 every cycle — symptom of $725-916/mo deficit
Snapshots · Debt · Budget · Subs expand →

Debt at a Glance

DebtBalanceRate
Mortgage$199,8743.84%
Student Loans$20,4698.8%
Personal Loan (Suncoast)$16,60011%
A/C Loan (WF)$5,9813%
Credit Cards$0cleared

Monthly Budget

  • Take-Home: $5,629/mo
  • True Spending: $6,354/mo
  • Needs: $3,110 · Savings: $1,300
  • Debt: $794 · Wants + Subs: $1,150

Savings rate 23.1% + employer adds $269/mo free money.

Top Subscriptions (~$471/mo)

Claude AI$100.00
Booksy cut$78.00
EOS Fitness$34.93
Banner Life$29.31
Patreon cut$25.00
Other 13 subs$203.85

Full subscription audit →

Tools & Files
Finance Dashboard M1 Finance Rocket Money QuickBooks Fidelity Chase

finance.html · canonical live dashboard
Personal/DTB financials/DTB_Finance_Final_2.xlsx · workbook
Personal/DTB financials/_Archive/DTB Financial Overhaul - March 2026.md