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Insights
Personalized signals generated from your spending, investments, and tax footprint.
You could save $1,062 this year
5 actionable insights across spending, taxes, and investments — listed below in priority order.
Confidence
High · 92%
OPPORTUNITY
+$710 / yr
Move $14,200 from Main Checking to High-Yield Savings
Your checking balance has averaged $18,400 over the past 90 days — well above your $4,200 monthly burn. Moving the excess earns ~$710/yr at 5.0% APY.
ALERT
-$84 / mo
Dining spending up 42% vs your 6-month average
You spent $286 on dining this month, mostly across 14 small transactions. Your average for the prior 6 months was $202. Consider a $250 envelope.
TAX
+$298 tax saving
Tax-loss harvest opportunity in Realty Income (O)
Your O position is down $1,242 unrealized. Selling now and re-buying VNQ (substantially different) would harvest the loss without triggering wash-sale rules.
INVESTMENT
Rebalance
Your portfolio drifted 3.2% from target allocation
US equities are now 67% of holdings (target 62%). Rebalancing into Intl equities and Bonds would bring you back without triggering capital gains.
SUBSCRIPTION
+$180 / yr
Cancel 2 unused subscriptions
Notion ($10/mo) and Substack ($5/mo) had no engagement this quarter. Cancelling both saves $180/yr.
Cash-flow forecast
Where you'll land at end of month
Inflows
+$6,700
Outflows
-$4,213
End balance
$14,937
What changed this week
- Portfolio value rose 1.4% on tech rally+$1,720
- Grocery spend exceeded weekly avg by $46Whole Foods
- Stripe payout cleared 2 days early+$4,200
- Amex statement balance increased$1,204
- Auto-loan principal reduced-$612 owed