💰 FINANCIAL ADVISOR
Knows your full situation · Ask anything
For informational purposes only. Not official financial advice.
🔫 Sold AR
💸 Can I afford it?
📱 New sub
📊 Scan transactions
📋 Tax tips
📈 Got a raise
🛻 Truck repair
⚡ Best move
JJ · Texarkana TX · 2026
MONEY HQ
Biweekly Wednesdays 10pm · Black & Gold · Every dollar has a job
0 steps done · Level 1
BROKE BEGINNER
M
T
W
T
F
S
S
Check in daily 🔥
🛡️ SAFE
⚖️ BALANCED
🔥 BEAST
⚖️ BALANCED — $500 extra to truck + $600 to savings per paycheck. Life is livable. Truck gone mid-2027.
🏠 Home
💰 Windfall
📈 Net Worth
🎯 Goals
🚀 Future
💡 Tips
🤖 Advisor
⚙️ Settings
⭐ Apr
May
Jun
Jul
Aug
Sep 🎉
Oct
Nov
Dec
Live Snapshot
Net Worth
−$15,796
Updates as you check steps
Steps Done
0
Tap any step to check off
Truck Balance
$14,392
Gone mid-2027
Total Savings
$100
Amex HYSA ~4.5% APY
CC Balance
$1,580
Pay off by Apr 16
IRS Owed
$516
Due April 15
Goal Progress
💳
Credit Card Payoff
$1,580 owed
0%
🏖️
Beach Trip Fund
$100 / $1,500
7%
🚨
Emergency Fund
$0 / $1,000
0%
💍
Ring Fund
$0 / $2,000
0%
🛻
Truck Payoff
$608 paid · $14,392 left
4%
Upcoming Bills
Loading...
Monthly Spend Tracker
Tap a category to log · resets each month
Life Roadmap
APR 2026
CC $0 + IRS cleared 🎉
The foundation everything is built on.
MAY 2026
Emergency fund $1,000 complete 🚨
One bill can no longer derail you.
JUN 20
Panama City Beach 🏖️
Airbnb paid. $1,500 cash for jet ski, shark fishing, food.
SEP 2026
3-check month — truck under $9k 💥
Bonus month destroys the balance.
NOV 2026
Net worth goes POSITIVE 📈
First time. Write it down when it happens.
DEC 2026
Truck ~$5,742 · Savings ~$8,700
Different person than March 28, 2026.
MID 2027
TRUCK PAID OFF 🎉🎉🎉
$450/month freed forever.
MID 2027
Propose 💍
Debt free. $2k moissanite paid cash.
LATE 2027
Move in together — Texarkana
You pay rent ~$900. She covers utilities ~$210.
2028+
Roth IRA + house down payment 🏠
Real wealth building. Stock Scout + StoreAsk help.
Monthly Budget
🛻 Truck (cash to grandma by 1st)
$450
🚗 GEICO (auto-pays 4th)
$219
📱 Phone
$95
🤖 Claude (~9th)
$100
📺 Hulu + Disney+
$16.15
💸 Rocket Money
$12.79
⛽ Gas
$200
🍔 Food
$300
🎯 Fun money
$200
Total out/month
$1,592.94
Mode Comparison
ModeExtra→Truck→SavingsPayoff
🛡️ Safe$250/check$900/checkLate 2027
⚖️ Balanced$500/check$600/checkMid 2027
🔥 Beast$900/check$200/checkEarly 2027
Pay Schedule 2026
Apr 2 · Apr 16 · Apr 30
3 checks 🎉 $6,207
May 14 · May 28
2 checks $4,138
Jun 11 · Jun 25
2 checks $4,138
Jul 9 · Jul 23
2 checks $4,138
Aug 6 · Aug 20
2 checks $4,138
Sep 3 · Sep 17 · Oct 1
3 checks 🎉 $6,207
Oct 15 · Oct 29
2 checks $4,138
Nov 12 · Nov 26
2 checks $4,138
Dec 10 · Dec 24
2 checks $4,138
Subscription Audit
🔍 Q2 — Do April 1 — check ALL free trials
Claude/Anthropic
$100 — KEEP
Hulu + Disney+
$16.15 — Still watching?
Rocket Money
$12.79 — Still useful?
Topstep
CANCELLED ✓
Country Club
CANCELLED ✓
Project trial subs
REVIEW — cancel unused
Got extra money?

WINDFALL CALC

Sold the AR? Got a bonus? Tax refund? Enter the amount — I'll tell you exactly where every dollar goes based on your real current balances.
💰 HOW MUCH ARE YOU GETTING?
$500
$800 (AR)
$1,000
$2,069 (paycheck)
When is this happening?
Right now
3rd check
Pick a date
Priority order — follow this exactly:
💡
Selling the AR? Quick answer
Right now with IRS $516 still owed and CC at $1,580 — type $800 above. $516 locks for IRS, $284 hits the CC. Do not spend any of it until those are handled.
3 Paycheck Month — $6,207 · Most Important Month

APRIL 2026 ⭐

Paychecks: Apr 2, Apr 16, Apr 30. Execute this month perfectly and everything gets easier forever.
⚠️
TODAY — Do these before anything else
Pull $450 cash for grandma (truck due Apr 1). When golf clubs sell — $516 goes directly to HYSA for IRS. Do not touch it.
tap each step to check off — balances update in real time
Right Now — March 28–31
You have right now
$592 cash + $800 golf clubs coming
DO NOW
Progress0/3
✓
Pull $450 cash — give to grandma for April 1 truck
Do by March 31. Leaves you $142 until Apr 2 paycheck.
−$450
✓
Cancel country club TODAY — April 12 is last charge ~$247
Call or email now. Every day you wait risks another month billed.
CANCEL
✓
Golf clubs sell: immediately move $516 to HYSA — IRS money
The other $284 covers gas/food until Apr 2. That $516 belongs to the IRS Apr 15.
IRS LOCKED
Paycheck #1 — Hits Wed Apr 1 at 10pm
Wednesday night April 1 at 10pm
Thursday April 2 — $2,069
PAYDAY
Progress0/6
✓
GEICO auto-pays April 4 — $219. Confirm it clears.
−$219
✓
Pay phone $95 + Disney+ $14
−$109
✓
Pay off anything charged on CC since Mar 28 (~$100)
Clear it same day — don't let interest build.
−$100 CC
✓
Pay $500 toward credit card — drops to ~$980
−$500 CC
✓
Transfer $300 to Beach Trip HYSA (now $400 total)
+$300 🏖️
✓
Claude $100 + Rocket $12.79 auto-charge ~Apr 9
Budget $112.79 for this. It's already in your fixed bills.
−$113
Keep for gas/food/fun Apr 2–15
~$350
Paycheck #2 — Hits Wed Apr 15 at 10pm
Wednesday night April 15 at 10pm
Thursday April 16 — $2,069
PAYDAY
Progress0/5
✓
PAY IRS $516 — pull from HYSA RIGHT NOW 🚨
Transfer $516 out of HYSA and pay IRS today. Due April 15. Do not wait.
−$516 IRS
✓
Country club ~$247 charged April 12 — confirm last charge ever
−$247
✓
PAY OFF remaining credit card ~$980 — CARD IS CLEAR 🎉
After this you owe $0 on the CC. Do it immediately when check lands.
CC = $0 🎉
✓
Transfer $200 to Beach Trip HYSA (now $600)
+$200 🏖️
✓
Keep $350 for gas/food/fun April 16–29
$350
Credit card after this paycheck
$0 OWED 🎉
Paycheck #3 — Hits Wed Apr 29 at 10pm — BONUS
Wednesday night April 29 at 10pm
Thursday April 30 — $2,069
BONUS CHECK
Progress0/6
✓
Pull $450 cash TONIGHT — give to grandma for May 1 truck
May 1 is tomorrow. Do it the night the check hits.
−$450
✓
Transfer $500 to Beach HYSA (now $1,100)
+$500 🏖️
✓
Transfer $300 to Emergency Fund HYSA (first deposit)
+$300 🚨
✓
Pay extra toward truck principal — say "apply to principal"
Balanced: $500 extra → truck ~$13,442
−$500 TRUCK
✓
Start ring fund — $100 to HYSA labeled Ring Fund 💍
$2,000 goal. $150–200/mo gets you there by early 2027.
+$100 💍
✓
Keep $350 for gas/food/fun Apr 30–May 13
$350
End of April
CC $0 · IRS $0 · Savings $1,500+
End of April — Where You Stand
✅ CC: $0 PAID OFF 🎉
✅ IRS: $0 CLEARED 🎉
✅ Beach fund: $1,100
✅ Emergency: $300 started
✅ Ring: $100 started 💍
✅ Truck: ~$13,442
2 paychecks — $4,138 total

MAY 2026

May 14 and May 28. Beach fully funded. Emergency fund complete.
tap each step to check off
Hits Wed night May 13 at 10pm
Thursday May 14 — $2,069
PAYDAY
Progress0/5
✓
Truck $450 confirmed paid May 1. GEICO auto May 4 $219.
−$669
✓
Phone $95 + Claude $100 + Rocket $12.79 + Disney $14
−$222
✓
Transfer $400 to Beach HYSA — FULLY FUNDED $1,500 🏖️
$1,100 + $400 = $1,500. Beach trip funded. June 20.
BEACH DONE 🏖️
✓
Transfer $300 to Emergency Fund (now $600)
+$300 🚨
✓
Pay extra toward truck — "apply to principal"
Balanced: $500 extra → truck ~$12,942
−$500 TRUCK
Keep for gas/food/fun May 14–28
~$350
Hits Wed night May 27 at 10pm
Thursday May 28 — $2,069
PAYDAY
Progress0/5
✓
Pull $450 cash — give to grandma for June 1 truck
−$450
✓
Hulu ~May 25 $2.15. Disney $14 already out.
−$16
✓
Transfer $400 to Emergency Fund — $1,000 COMPLETE 🎉
Never touch this unless genuine emergency.
EMERG DONE 🚨
✓
Pay extra toward truck — "apply to principal"
Balanced: $500 extra → truck ~$12,442
−$500 TRUCK
✓
Transfer $150 to Ring Fund + $350 fun money
+$150 💍
End of May
Beach ✓ · Emerg ✓ · Ring $250
2 paychecks — Beach Month 🏖️

JUNE 2026

Jun 11 and Jun 25. Beach trip June 20. Airbnb already paid. $1,500 is pure fun money.
🏖️
Beach trip June 20 — Panama City Beach
Withdraw $1,500 from HYSA before June 20. Jet ski ~$150/hr, shark fishing ~$200/person. Whatever comes back — throw at truck.
tap each step to check off
Hits Wed night Jun 10 at 10pm
Thursday June 11 — $2,069
PAYDAY
Progress0/4
✓
Truck $450 paid Jun 1. GEICO $219 auto Jun 4. Phone $95.
−$764
✓
Withdraw $1,500 from Beach HYSA before June 20
You saved it. Enjoy the trip guilt-free. Every dollar earned.
BEACH 🏖️
✓
Pay extra toward truck — even in beach month
Balanced: $500 extra → truck ~$11,942
−$500 TRUCK
✓
Transfer $150 Ring Fund + keep $350 gas/food/fun
+$150 💍
Buffer
~$255
Hits Wed night Jun 24 at 10pm
Thursday June 25 — $2,069
PAYDAY
Progress0/4
✓
Pull $450 cash — grandma July 1 truck
−$450
✓
Claude $100 + Rocket $12.79 + Hulu $2.15
−$115
✓
Extra toward truck. Any beach money left over — also truck.
Balanced: $500 extra → truck ~$11,442
−$500 TRUCK
✓
$150 Ring Fund + $500 General Savings + $350 fun
+$650
Truck after June
~$11,442
2 paychecks — Grind month

JULY 2026

Jul 9 and Jul 23. No trips. No excuses. Full focus.
tap each step to check off
Hits Wed night Jul 8 at 10pm
Thursday July 9 — $2,069
PAYDAY
Progress0/4
✓
Truck $450 paid Jul 1. GEICO $219 auto Jul 4. Phone $95.
−$764
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$10,942
−$500 TRUCK
✓
$150 Ring Fund + $600 General Savings
+$750
✓
Keep $350 gas/food/fun Jul 9–23
$350
Buffer
~$255
Hits Wed night Jul 22 at 10pm
Thursday July 23 — $2,069
PAYDAY
Progress0/4
✓
Pull $450 cash — grandma Aug 1. Claude/Rocket/subs ~$129.
−$579
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$10,442
−$500 TRUCK
✓
$150 Ring Fund + $600 General Savings
+$750
✓
Keep $350 gas/food/fun Jul 23–Aug 6
$350
Truck after July
~$10,442
2 paychecks — September coming

AUG 2026

Aug 6 and Aug 20. One more month before the September 3-check explosion.
tap each step to check off
Hits Wed night Aug 5 at 10pm
Thursday August 6 — $2,069
PAYDAY
Progress0/4
✓
Truck $450 paid Aug 1. GEICO $219 auto. Phone $95.
−$764
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$9,942
−$500 TRUCK
✓
$150 Ring Fund + $600 General Savings
+$750
✓
Keep $350 gas/food/fun Aug 6–20
$350
Buffer
~$255
Hits Wed night Aug 19 at 10pm
Thursday August 20 — $2,069
PAYDAY
Progress0/4
✓
Pull $450 cash — grandma Sep 1. Claude/subs ~$129.
−$579
✓
Extra toward truck — September is coming
Balanced: $500 extra → truck ~$9,442
−$500 TRUCK
✓
$150 Ring Fund + $600 General Savings
+$750
✓
Keep $350 gas/food/fun Aug 20–Sep 3
$350
Truck after August
~$9,442
3 PAYCHECK MONTH — $6,207 🎉

SEP 2026 💥

Sep 3, Sep 17, Oct 1. Biggest month. Crush the truck under $8k.
💥
3-check month — entire 3rd check attacks the truck
Put $2,000+ extra at truck this month alone. This single month shaves 2-3 months off your payoff date.
tap each step to check off
Hits Wed night Sep 2 at 10pm
Thursday September 3 — $2,069
PAYDAY
Progress0/4
✓
Truck $450 paid Sep 1. GEICO $219 auto. Phone $95.
−$764
✓
Extra toward truck — UNDER $9k MILESTONE
Balanced: $500 extra → truck ~$8,942
−$500 TRUCK
✓
$150 Ring Fund + $600 General Savings
+$750
✓
Keep $350 gas/food/fun Sep 3–17
$350
Buffer
~$255
Hits Wed night Sep 16 at 10pm
Thursday September 17 — $2,069
PAYDAY
Progress0/4
✓
Claude/Rocket/subs ~$129. Hulu $2.15.
−$131
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$8,442
−$500 TRUCK
✓
$150 Ring Fund + $700 General Savings
+$850
✓
Keep $350 gas/food/fun Sep 17–Oct 1
$350
Buffer
~$338
Hits Wed night Sep 30 at 10pm — BONUS
Thursday October 1 — $2,069
💥 BONUS CHECK
Progress0/4
✓
Pull $450 cash TONIGHT — give grandma for Oct 1 truck TODAY
Oct 1 is today. Hand her the cash immediately.
−$450
✓
PAY $1,000+ extra toward truck — whole bonus check focus
Balanced: $1,000 extra → truck ~$7,442. September is the month you look back on.
−$1,000 TRUCK
✓
$150 to Ring Fund — nearly at $2,000 💍
+$150 💍
✓
$450 to General Savings
+$450
Truck after September 3-check month
~$7,442 🎉
2 paychecks — Ring fund complete month

OCT 2026

Oct 15 and Oct 29. Savings nearly match truck debt. Ring fund finishes.
tap each step to check off
Hits Wed night Oct 14 at 10pm
Thursday October 15 — $2,069
PAYDAY
Progress0/4
✓
Truck $450. GEICO $219 auto. Phone $95. Q4 sub audit.
−$764
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$6,942
−$500 TRUCK
✓
$200 Ring Fund — nearly at $2,000 💍
+$200 💍
✓
$450 General Savings + $350 fun money
+$450
Buffer
~$255
Hits Wed night Oct 28 at 10pm
Thursday October 29 — $2,069
PAYDAY
Progress0/4
✓
Pull $450 cash — grandma Nov 1. Claude/subs ~$129.
−$579
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$6,442
−$500 TRUCK
✓
Top up Ring Fund to $2,000 💍 — it's ready
Propose mid-2027 after truck paid off. She's going to love it.
RING DONE 💍
✓
$450 General Savings + set $400 Christmas gift budget
+$450
Truck after October
~$6,442
2 paychecks — Holiday month

NOV 2026

Nov 12 and Nov 26. Net worth goes positive this month. Don't blow 8 months of progress on Christmas.
🎄
Holiday spending trap — $400 gift budget max
Split across Nov and Dec. Do not put gifts on the credit card. Stay disciplined.
tap each step to check off
Hits Wed night Nov 11 at 10pm
Thursday November 12 — $2,069
PAYDAY
Progress0/4
✓
Truck $450. GEICO $219 auto. Phone $95.
−$764
✓
Extra toward truck — slightly less for holidays
Balanced: $400 extra → truck ~$6,042
−$400 TRUCK
✓
$400 General Savings
+$400
✓
$450 fun + $100 Christmas gifts Nov 12–26
$550
Buffer
~$355
Hits Wed night Nov 25 at 10pm
Thursday November 26 — $2,069
PAYDAY
Progress0/4
✓
Pull $450 cash — grandma Dec 1. Claude/subs ~$129.
−$579
✓
Extra toward truck principal
Balanced: $400 extra → truck ~$5,642
−$400 TRUCK
✓
$400 General Savings
+$400
✓
$450 fun + $100 Christmas gifts
$550
Net worth first time positive ~Nov
~+$100 📈
2 paychecks — Year End

DEC 2026

Dec 10 and Dec 24. End of year. Look how far you came from March 28.
tap each step to check off
Hits Wed night Dec 9 at 10pm
Thursday December 10 — $2,069
PAYDAY
Progress0/4
✓
Truck $450. GEICO $219 auto. Phone $95.
−$764
✓
Extra toward truck principal
Balanced: $500 extra → truck ~$5,142
−$500 TRUCK
✓
$400 General Savings
+$400
✓
Review ALL subs before Jan 1. Cancel anything unused.
AUDIT
Buffer
~$255
Hits Wed night Dec 23 at 10pm — Last check of 2026
Thursday December 24 — $2,069
YEAR END 🎉
Progress0/5
✓
Pull $450 cash TONIGHT — grandma Jan 1 truck. Claude/subs ~$129.
−$579
✓
Year-end truck push — "apply to principal"
Balanced: $400 extra → truck ~$4,742
−$400 TRUCK
✓
$450 General Savings
+$450
✓
Set up Roth IRA at Fidelity — 15 min. FXAIX fund. Start Jan 1.
Takes 15 min online. $583/mo. The single best financial move after truck payoff.
SETUP
✓
Write 2027 mission: Truck gone. Propose. Move in. Invest.
2027 🎯
Dec 31, 2026 truck balance
~$4,742
December 31, 2026 — Final Snapshot
✅ CC: $0 · IRS: $0
✅ Emergency fund: $1,000
✅ Beach trip: Done 🏖️
✅ Ring fund: $2,000 ready 💍
✅ General savings: ~$8,700
✅ Truck: ~$4,742 (was $14,392)

You paid down $9,650 of truck debt and saved $8,700+ while living your life. Truck gone ~April 2027. Then you propose. That is a completely different person than March 28, 2026.
Live tracker — updates as you check steps

NET WORTH

Your Net Worth Right Now
−$15,796
Start: −$15,796Dec 31 goal: ~+$1,200
Check off steps to watch this climb.
Assets
HYSA — Beach Trip
$100
HYSA — Emergency Fund
$0
HYSA — Ring Fund
$0
HYSA — General Savings
$0
Cash on hand
~$592
Total Assets
$692
Liabilities
Credit Card (Amex Gold)
$1,580
IRS
$516
Truck Loan
$14,392
Total Liabilities
$16,488
Month by Month Projection
Today (Mar 28)
−$15,796
After April
~−$12,100
After May
~−$10,300
After June
~−$9,000
After July
~−$7,200
After August
~−$5,500
After September 🎉
~−$3,100
After October
~−$1,500
After November 📈
~+$100
Dec 31, 2026
~+$1,200
After truck payoff (mid-2027)
~+$11,000+
Everything in one place

GOALS

💳
Credit Card
$1,580 owed
0%
🏖️
Beach Trip Fund
$100 / $1,500
7%
🚨
Emergency Fund
$0 / $1,000
0%
💍
Ring Fund — $2k Moissanite
$0 / $2,000
0%
🛻
Truck Payoff
$608 paid · $14,392 left
4%
💍
Propose — mid-2027
Truck paid. Ring fund complete. $2,000 moissanite from Brilliant Earth or James Allen. Propose debt-free. She deserves that moment.
🏠
Move in — late 2027 · Buy house 2028-29
You pay rent ~$900. She covers utilities ~$210. Texarkana starter homes $130k–$180k. 10% down = $13k–18k. Start saving house fund after truck payoff.
🚀
Stock Scout + StoreAsk
Not making money yet. When they do — even $200/mo extra — it goes straight to truck or savings. Side income accelerates everything by months.
After truck payoff — mid 2027

THE FUTURE

🚀
$450/month freed forever when truck is paid
That $450/month invested from your mid-20s to 65 at 7% avg = over $1.1 million at retirement. Tax-free in a Roth IRA. That's what finishing the truck actually means.
Roth IRA — Open the day truck is paid off
What is it and why does it matter?
A Roth IRA is a retirement account where you put in after-tax money and it grows 100% tax-free. You pay zero taxes on gains at retirement.

2026 limit: $7,000/year ($583/month)

Open at Fidelity (fund: FXAIX) or Vanguard (fund: VTSAX). Takes 15 minutes. Just start it.
What maxing Roth IRA does over time
YearsYou put inEst. value (7%)
10 years$70,000~$97,000
20 years$140,000~$285,000
30 years$210,000~$660,000
40 years$280,000~$1,400,000
🏢
Check 401k match at Day & Zimmermann — call HR this week
If they match even 3% of your salary that's ~$1,800/year in free money you're leaving on the table right now.
Credit · Savings · Truck · HYSA · Points

TIPS & TRICKS

💳
Keep CC utilization under 10%
Once CC is paid off, use it for one tiny auto-charge (Hulu $2.15) and pay in full monthly. Can push score 30–50 points.
⏰
Payment history = 35% of score — never miss one
Set everything to autopay. One missed payment drops score 60–100 points and stays 7 years.
🔍
Check credit free every 4 months
AnnualCreditReport.com — rotate Equifax, Experian, TransUnion. Dispute errors for free.
🏦
Open 3 Amex HYSAs — free, no minimums
americanexpress.com/savings. Label them: Beach Trip · Emergency Fund · Ring+General. All earn ~4–5% APY compounded daily. Never use Wells Fargo savings (0.01%).
🏨
Amex points — transfer to Hilton at 1:2
68,335 MR → 136,670 Hilton points = 2–4 free hotel nights. Never cash them out (0.6¢/pt = terrible).
📞
Always say "apply to principal" on extra truck payments
Say this every single time. Otherwise they apply it to next month's payment — does NOT reduce your balance.
Knows your full situation · Ask anything

AI ADVISOR

For informational purposes only. Not official financial advice.
💰 Extra money
💸 Can I afford it?
📱 New sub
📊 Scan transactions
📋 Tax tips
📈 Got a raise
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🛻 Truck
💳 Credit Card
🏛️ IRS
🏖️ Beach HYSA
🚨 Emergency
💍 Ring Fund
💰 General Savings
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