Sample analysis — fictional data for “Jordan”, 34, a software engineer in Austin. This is the real cockpit; the numbers just aren't yours yet.
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01Snapshot
- Cash flow100
- Emergency fund100
- Debt58
- Retirement47
- Diversification80
- Protection10
Top ~19% of U.S. households under 35
- 16%Cash$37k
- 13%Brokerage$30k
- 21%Retirement$50k
- 50%Real estate$118k
02Spent
$3,213/mo- housing$2,100
- food delivery$459
- groceries$340
- shopping$140
- utilities$95
- Mortgage$2,100
- H-E-B ×2$340
- Uber Eats ×3$267
- DoorDash ×2$192
- Amazon$140
- Mortgage · $2,100
- Verizon · $95
- Peloton · $44
- Netflix · $23
- Spotify · $12
03Analysis
⚠ 7 alertsEquity on Mortgage is 27% of the $430,000 value. If mortgage insurance is still on the loan, that's roughly $1,872/yr buying protection for the lender, not you — and past 20% equity it's cancellable on request.
About $459/mo goes to food delivery (mostly Uber Eats, $267/mo) — roughly $5,508/yr.
Chase Sapphire carries $4,200 at 23.99% APR — about $1,008/yr in interest at the current balance.
Subscriptions total $79/mo ($948/yr): Peloton ($44/mo), Netflix ($23/mo), Spotify ($12/mo). Some may be unused.
Verizon charges about $95/mo. Budget carriers (MVNOs) run the same networks for roughly $30/mo per line.
About $17,722 sits above a 6-month buffer in low-yield accounts. At 4% APY that's ~$709/yr left on the table.
Chase Sapphire carries $4,200 at 23.99%. Moved to a 0% intro-APR card for a typical 15 months, the interest you'd skip (~$1,259) beats the usual 3% transfer fee (~$126) by about $1,133 — worth it only if the balance is genuinely cleared inside the window, and it takes solid credit to qualify.
Your investments are ~69% equities; a common rule of thumb at 34 is ~76%. You may be holding more cash/bonds than your time horizon needs.
The funds we could price average a 0.4% expense ratio across $50,000 — roughly $200/yr, charged whether the market goes up or down. Broad index equivalents in the same asset classes run nearer 0.05%.
Housing runs $2,100/mo against $5,200/mo income — 40%, above the ~30% guideline. A heavy housing line squeezes every other goal; worth weighing at the next natural decision point (lease renewal, refi, move).
Using 35% of the $12,000 limit. Keeping it under 30% helps your credit score.
With 1 dependent, no insurance premiums appear in these statements. Coverage may simply run through payroll — worth confirming the people who depend on your income are protected (term life and disability are the usual gaps).
04Action Plan & Forecast
0/19 done- 01Pay down Chase SapphireTop move+$1,008/yr
- 02Move idle cash to high-yield savings+$709/yr
- 03Ask your servicer to cancel PMI+$1,872/yr
- 04Trim food delivery spending+$1,652/yr
- 05Rate-check your phone plan+$780/yr
- 06Review your investment mix+$750/yr
- 07Audit recurring subscriptions+$237/yr
- 08Cut what your funds charge you+$175/yr
- 09DeferralPre-tax 401(k) contributions lower this year's tax~$2,820/yr
- 10HSAAn HSA is the most tax-advantaged account you can use~$1,026/yr
- 11BenefitsA dependent-care FSA pays childcare with pre-tax dollars~$600/yr
- 12Capital gainsTax-loss harvesting in your taxable account~$360/yr
- 13Capital gainsHold over a year for long-term capital-gains rates~$180/yr
- 14Asset locationPlace tax-inefficient assets in your tax-advantaged accounts~$75/yr
- 15✦ PersonalizedCapture your full employer 401(k) match~$2,850/yr
- 16✦ PersonalizedRoth IRA: tax-free growth you can use~$2,407/yr
- 17✦ PersonalizedA 529 can grow education savings tax-free~$506/yr
- 18✦ PersonalizedBiweekly mortgage payments would retire the loan years early~$2,129/yr
- 19✦ PersonalizedAn HSA is the only triple tax-advantaged account~$1,881/yr
Forecast
Modeled trajectory $2,554,988(2056)Monte Carlo · 500 paths · 80% land between $1,201,622 and $4,258,835 by 2056.
Check moves off above to watch the dotted line respond — captured savings are redirected into your trajectory.
05Personalized Opportunities
✦ TailoredOpportunities specific to your situation — career moves, employer benefits, account structure, tax and location edges a generic checklist would miss.
Capturing your full employer 401(k) match is the highest-return move in finance — an instant 50–100% before any market return, often around $2,850/yr at your income. Contribute at least enough to get all of it.
At your income you can contribute directly to a Roth IRA — up to $7,000 this year — for completely tax-free growth in retirement, one of the most powerful and underused long-term accounts.
With dependents, a 529 lets education savings grow tax-free for qualified expenses, and many states add a deduction — confirm your state's rules with a CPA.
Paying half your $2,100 mortgage payment every two weeks makes 26 half-payments a year — one extra full payment. On your $312,000 balance at 6.2%, that saves about $50,395 of interest and clears the loan roughly 4 years sooner. Check that your servicer applies biweekly payments to principal rather than holding them.
If your health plan is HSA-eligible (a high-deductible plan), you can put in up to $8,550 this year — deductible going in, tax-free growth, tax-free out for medical costs. Many people invest it and treat it as a stealth retirement account; confirm eligibility with a CPA.
Texas levies no personal income tax, so 401(k) and IRA withdrawals, pensions, and Social Security all land untaxed at the state level. That is a standing advantage worth weighing before any move — and worth confirming with a CPA before you rely on it.
The named beneficiary on a 401(k), IRA, or brokerage account controls where that money goes — a will doesn't override it, and forms filled in at a first job rarely get revisited. With people who depend on you, confirming the primary and contingent names on every account (plus basic directives — a will, powers of attorney, a healthcare directive) is an afternoon that decides where the largest accounts you own actually land.
Software salaries reprice fast. A yearly market check — levels, not just base pay — costs nothing and anchors your next negotiation; in this field the biggest raises historically come from re-leveling, not annual reviews.
At 34, your future earnings dwarf your portfolio. If your employer offers group long-term disability, it is usually the cheapest way to insure the income everything else in this plan depends on.
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