History & Log
L

LAYTH

Financial Dashboard

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Your Financial Health
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🌱 Getting Started
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Day 1
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per day
Enter your Chase balance for today's spending limit
⚠️
Next Bill Due
RV Octane
Apr 20 · Manual payment required
$545
6 days
Phase 1 · Active Goal ✅ On Track
Pay off Lowe's before Aug 26
~$991 remaining · 134 days · 3 payments left 25%
6-Month Debt Trajectory
Priority Debt Paydown Lowe's + Spark · Apr → Sep 2026
Lowe's
Spark
Total
Due This Week
✓
Lowe's
$331
Apr 18
AutoPay ✅
✓
RV Octane
$545
Apr 20
⚠️ Manual
✓
Ally Auto
$438
Apr 20
AutoPay ✅
✓
AT&T
~$175
Apr 20
Chase debit
Action Zone
1
Pay RV at portal.octane.co
$545.42 · due Apr 20 · 3 minutes
Miss it = $39+ late fee
Move Crunch Fitness off Venture card
1. Go to crunch.com → My Account → Billing
2. Change payment to Chase ••8029 debit
3. Saves Venture from accumulating more interest
⏱ ~5 minutes · do this week
›
~$1,800 owed by Hexin — ask Shane
China trip reimbursement: ~$1,200 still outstanding
Jan KPI bonus gap: ~$622 (confirmed missing)
Say: "Can we reconcile my China expenses and Jan KPI?"
⏱ 2-minute conversation · mention this week
›
Lowe's on track — clears July 2026 ✅
AutoPay $331 fires Apr 18 automatically
Estimated payoff: July 2026 — 1 month early
After payoff → redirect $331 to Spark attack
✅ No action needed — running on autopilot
›
Lowe's · Priority 1
~$991
deadline Aug 26
On Track
Venture · Priority 3
~$6,975
freeze the card
28.49% APR
Lowe's Synchrony
36.99% penalty APR · AutoPay $331 ✅
~$991
Est. July 2026
🔴 Priority 1
Started $1,322⏰ Aug 26, 2026
Spark Classic ••0439
28.49% APR · $33 minimum
~$600
Target Nov 2026
🟡 Priority 2
Attack after Aug$364/mo
Venture ••1396
28.49% APR · $237 min · ⚠️ Freeze
~$6,975
Early 2028
🔵 Priority 3
$700+/mo after NovTarget 2028
Ally Auto ••5769
7.84% APR · AutoPay ✅ · Altima
~$17,500
$438/mo auto
42 months left~2029
RV Octane ••5626
13.24% APR · ⚠️ Manual · Cougar 22RBS
~$51,800
$545/mo manual
170 months left~2040
Roadmap
NOW · April 2026
Stop the bleeding
Freeze Venture · Move Crunch to Chase debit
Aug 26, 2026 — DEADLINE
Lowe's → $0 ✅ On track
AutoPay $331 · Est. done July
Sep – Nov 2026
Spark Classic → $0
Redirect $331 → $364/mo attack
Early 2028
Venture → $0 🏁
Credit score rebuilds · installment loans only
Annual Gross
$58,656
$2,256 × 26 checks
Confirmed
Monthly Net
$3,874
$1,937 per check
KPI unknown
Paycheck History · 2026
KPI Bonus
Avg KPI (2025)
~$622/check
Annual potential
~$8,086
KPI in 2026
0 confirmed
Income gap vs 2025
−$696/mo
Monthly Budget
Income
+$3,874
Fixed mandatory
−$2,052
Debt minimums
−$441
Subscriptions
−$198
Variable (target)
−$720
Housing gap
−$347
Monthly cushion
$86
Monthly Total
$273
current run rate
On Venture
$34
Crunch only · move now
Action needed
Active
Crunch Fitness
⚠️ Venture ••1396 — MOVE TO CHASE
$34.34
Claude AI
Chase ••8029
$100
Albert Genius
Chase ••8029
$39.99
Netflix
Chase ••8029
$20.38
Apple Services
🟡 Spark ••0439 — identify
~$18
IONOS Hosting
trivuxfitness.com
~$12
Cancelled — Apr 20
ChatGPT Plus
Active until May 1 · $20/mo saved
✅
Google One (AI Pro 5TB)
Ends Apr 21 · $9.99/mo saved
✅
Cancelled — Apr 14
Amazon Prime
$15.12 refund incoming
✅
Opus Clip
Credits expire Apr 25
✅
IONOS (3 plans)
~$40/mo saved
✅
Annual Gross
$58.7K
ADP confirmed
Locked in
Hexin Owes You
~$1,800
reimbursement + KPI
Ask Shane
Open Items — Shane / HR
What is the KPI metric?
Urgent
Shane confirmed Jan 2026 had a missing KPI. Need to know what target to hit.
"Can you walk me through exactly what the KPI measures?"
Why did KPI stop in 2026?
Urgent
4 consecutive regular checks at $1,937. 2025 alternated ~$622 higher.
"My checks were higher in 2025 — what changed?"
China trip reimbursement
~$1,200
Received $595 on Mar 27. Trip cost ~$1,600–1,900. ~$1,200 still outstanding.
Submit remaining receipts to Shane.
Jan 16 missing KPI — credited?
~$622
Check was $1,353 gross vs. normal $2,256. Was the difference made up?
W-2 Upload Log
2025 W-2
Not uploaded ⬆️
2024 W-2
Not uploaded
2023 W-2
Not uploaded
How to upload
ADP → Pay → Tax Statements