Sample analysis — fictional data for “Priya”, 33, a high-earning consultant in New York. This is the real cockpit; the numbers just aren't yours yet.
Run yours free →Every financial decision, optimized.
A structured, progressive read on your financial trajectory.
01Snapshot
- Cash flow100
- Emergency fund40
- Debt100
- Retirement91
- Diversification100
- Protection70
Top ~10% of U.S. households under 35
- 5%Cash$22k
- 59%Brokerage$240k
- 36%Retirement$145k
02Spent
$9,103/mo- housing$4,300
- travel$1,800
- dining$1,400
- shopping$800
- groceries$520
- Landlord$4,300
- Delta$980
- Aman$820
- Whole Foods ×2$520
- Net-a-Porter$420
- Landlord · $4,300
- Equinox · $260
- Netflix · $23
03Analysis
⚠ 3 alertsAbout $1,800/mo goes to travel (mostly Delta, $980/mo) — roughly $21,600/yr.
About $1,400/mo goes to dining (mostly Carbone, $380/mo) — roughly $16,800/yr.
Subscriptions total $283/mo ($3,396/yr): Equinox ($260/mo), Netflix ($23/mo). Some may be unused.
NVDA makes up ~20% ($78,000) of your $385,000 invested. A single position this size means one company's bad year is your portfolio's bad year.
Liquid cash ($22,000) covers about 2.42 months of spending ($9,103/mo). A shock could force high-interest borrowing.
04Action Plan & Forecast
0/14 done- 01Build your emergency fundTop move+$2,185/yr
- 02Trim travel spending+$6,480/yr
- 03Trim dining spending+$5,040/yr
- 04Audit recurring subscriptions+$849/yr
- 05Review single-stock concentration+$20/yr
- 06DeferralPre-tax 401(k) contributions lower this year's tax~$7,520/yr
- 07Capital gainsHold over a year for long-term capital-gains rates~$2,040/yr
- 08Account choiceAt a 32% bracket, lean traditional~$1,400/yr
- 09HSAAn HSA is the most tax-advantaged account you can use~$1,376/yr
- 10Capital gainsTax-loss harvesting in your taxable account~$960/yr
- 11Asset locationPlace tax-inefficient assets in your tax-advantaged accounts~$600/yr
- 12✦ PersonalizedCapture your full employer 401(k) match~$7,950/yr
- 13✦ PersonalizedYou may be above the Roth IRA income limit~$2,567/yr
- 14✦ PersonalizedAn HSA is the only triple tax-advantaged account~$946/yr
Forecast
Modeled trajectory $4,936,550(2056)Monte Carlo · 500 paths · 80% land between $2,332,351 and $8,215,671 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 $7,950/yr at your income. Contribute at least enough to get all of it.
Your income is near or above where direct Roth IRA contributions phase out for single filers (~$150,000+), so a "backdoor Roth" — a contribution method, not an investment — may let you still fund up to $7,000 of tax-free Roth space. Confirm the pro-rata details with a CPA.
If your health plan is HSA-eligible (a high-deductible plan), you can put in up to $4,300 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.
NVDA makes up 20% of your invested holdings — company-specific risk on top of market risk. Many people set a ceiling on any single position and diversify at the asset-class level over time; unwinding can have tax consequences, so confirm an approach with a CPA.
Some plans permit after-tax contributions with in-plan Roth conversion — at your income it is one of the few remaining tax-advantaged spaces. Check the plan document for 'after-tax contributions' and confirm the mechanics with a CPA.
At senior levels, sign-on bonuses, equity refreshers, and title drive more of total comp than base salary. Benchmark the whole package before your next review — the asks that compound are rarely the base-pay ones.
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