True breathing room this month
—
After all real obligations
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Upcoming bills
Add bills in the Bills tab to see them here.
Savings snapshot
2-year goals
Home ownership
Target: 2 years out
Emergency fund
$0 of $9,000
Family loan payoff
Mother-in-law — honor first
First rental property
3–4 year horizon
Check 1 bills come out of your first paycheck. Uncheck for check 2. F = fixed, V = variable.
William's bills
Rachel's bills
Shared household bills
Bill summary
Gas is a real obligation — not safe to spend. Check 1 survival money is not discretionary.
William — check 1
Left until check 2
Survival money — not safe to spend
—
William — check 2
Rachel — her lane
Emergency fund
Sinking funds
Debt — snowball strategy
1
Family loan — ~$7,000
Honor the relationship first. $200/mo.
2
William credit cards
After family loan — redirect payments
3
Rachel credit cards
Already in good shape — maintain
4
Personal loan
Final target — redirect everything
Fractional investing lets you start with $20. Small consistent amounts build real wealth over time.
Monthly investment amount
What it grows into
Where to start — fractional shares
Fidelity
Fractional from $1 — most trusted
Free
Robinhood
Simple interface, fractional shares
Free
Acorns
Rounds up purchases and invests change
$3/mo
2-year home ownership roadmap
1
Complete the move
End two-state costs. Frees $1,650/mo.
2
Build emergency fund to $9,000
Lenders want 3 months reserves
3
Credit scores to 680+
Both members for best mortgage rate
4
Save down payment 3–5%
FHA on $250k needs ~$8,750
Hi. I'm your Household CFO. I know your full financial picture — both paychecks, both lanes, all bills, all goals. Ask me anything.
William — paycheck
Rachel — income
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