Ranked findings from the parsed data · filter by lens · snooze what isn't actionable now.
Priority score combines dollar impact, urgency, and confidence. Filter by lens to see which findings come from which financial perspective. Topher + Jaime: travel and family are protected — only debt, rewards, cashflow, and behavioral suggestions ever show "cut" actions.
Topher's Fidelity 401(k) ~$337K (8.8% YTD) + Jaime's ~$144K (6.8% YTD) = ~$482K combined. Both fully consolidated to the Synchrony plan at Fidelity. On track relative to household income; ramp room exists once 401(k) loans clear.
$482,000
impact
Jaime is paying her 401(k) loan back at ~$34K/yr — 3× faster than Topher. At current pace she clears it in ~12 months and frees up $2,870/month. That's a windfall when it lands: contribution rate ramp, emergency fund top-up, or extra paydown on Venmo Visa / Lafayette.
$34,000
impact
Synchrony paystubs confirm year-end gross income: 2024 $395K · 2025 $419K · 2026 projected ~$445K. Up and to the right consistently. The business-building thesis (grow income to retire debt) is working at the W-2 level — and that's BEFORE Aspire Digital adds material income.
$26,000
impact
$7,174 balance at 35.24% penalty APR. Roughly $2,528/yr if revolving stays. This is the fastest household-finance win available — paying it off saves real cash flow without touching lifestyle.
$2,528
impact
Across non-transfer subscriptions and recurring debits, $48,626/yr is flowing out on autopilot. Top items: Ach Withdrawal T-Mobile Pcs Svc ******** ($6,969/yr); Ach Withdrawal Venmo Payment *********** ($5,712/yr); Usaa Debit Zelle: Bonnie Clary ($5,400/yr); Pos Debit Venmo *Doug Winters Visa Direc ($5,400/yr); Ach Withdrawal Nationwide Edi Pymnts *** ($4,245/yr). Worth reviewing once a quarter to confirm each one still earns its keep.
$4,863
impact
The BoA card is carrying $10,920 at 0% — a balance transfer promo. The methodology says approximately 1 year but the exact end date isn't captured. If the promo expires and the balance is still there, interest rate jumps to ~28% and this becomes the new top paydown lever.
$3,000
impact
BoA Preferred Rewards becomes 'BofA Rewards' on/around May 26 — the +75% bonus tier now requires $1M instead of $100K. The $100K tier drops to +50%. Members enrolled before announcement keep their tier until first anniversary after Nov 2026. If household is at Platinum Honors today, the value of every cashback transaction changes.
$800
impact
Iberostar timeshare-style membership flagged as past-due in the subscriptions audit. Decision: pay to reactivate, formally cancel, or let lapse. The fee structure and current balance haven't been parsed.
$1,500
impact
The $550 Aspire card includes one free weekend night per cardmember year. Typical redemption value: $300–800. Burns end-of-cardmember-year if unbooked. Anniversary date is TBD — need to confirm in Amex account.
$500
impact
CrunchLabs subscription was flagged with an expired payment card in the overnight audit. Either update payment, downgrade, or cancel before the next attempt fails.
$240
impact
Pathways HELOC at 7% has $10,567 of available headroom. Lafayette patio loan is at 8.99%. Drawing the HELOC to pay down Lafayette saves the rate spread — about $210/yr.
$210
impact
May 2026 statement shows $20.00 carried as overdue. Late fee posts at $63.11 if not paid by 6/16. Smallest-dollar / highest-urgency item on the board.
$63
impact
Amex Platinum Saks $50 H1 credit. The H1 window closes in 6 weeks AND the entire Saks benefit ends July 1, 2026 — after that it's gone permanently.
$50
impact
Findings that were either confirmed harmless, explained by household behavior, or otherwise put to rest. Kept visible because the underlying patterns are still useful context.
Per Topher 2026-05-19: Jaime pays him via Venmo, he applies that payment to the Venmo Visa credit card. Workaround for ACH delays (Venmo-app payments hit the Venmo Visa instantly vs. 5-day ACH posting). So the $88K in 'POS DEBIT VENMO' transactions is debt servicing, not discretionary spending.
resolved
Per Topher 2026-05-19: USAA account 1269 is 'MTC' — the joint monthly-bills envelope. Each month $3,000–$3,800 transfers from 'Gone in 60 Seconds' (7683) to MTC to fund recurring bills. Variable amount because bills vary. Not a sweep, not brokerage proceeds — it's Topher's Dave Ramsey envelope system at USAA.
resolved
Different financial-thinking traditions optimize for different things. The dashboard tags each insight with which lens it's coming from so cross-lens disagreement is visible. The Venmo Visa is the canonical example — debt and CFO lenses both flag it, but for different reasons.