The full household portfolio, parsed from primary sources (6,685 transactions across 23 accounts) into a live dashboard at /info/finance with 9 sub-pages. Both Topher and Jaime work at Synchrony (~$489K combined gross). Doctrine: grow income, don't shrink lifestyle — and be the working CFO (due-date alarms, autopay tracking, push not pull), not a dashboard. Debt priority right now is the OPS-54 action queue: Venmo $7.2K @ 18.74%, BoA Spirit $10.9K @ 0% promo, Lafayette $25.5K @ 8.99% — avalanche + kill any sub-$1K balance immediately.
Active Items
Synced from the Kanban boardWaiting on You
(2)Student loan status watch — SAVE plan legal limbo
⚡ HIGH$179K Nelnet federal. SAVE court-struck; check studentaid.gov for current plan + payment restart timing.
Jaime's remaining sole-name accounts
A couple more accounts pending per Topher (5/19).
In Progress
(4)Debt action queue (OPS-54, P1)
🔥 URGENTVenmo $7.2K @ 18.74% · BoA Spirit $10.9K @ 0% promo (watch expiry) · Lafayette $25.5K @ 8.99%. Doctrine: avalanche + kill sub-$1K balances immediately. HELOC arbitrage (7% vs Lafayette 8.99%) still on the table.
Verify the expired-deadline trio
Newrez $20 (was due 6/16), Saks $50 H1 credit (expired 7/1), BoA Preferred Rewards cliff (5/26) — confirm each landed/was used/survived; close or escalate.
Delta Companion Certificates — catalog
Multiple available. Count + expirations + best-use planning (feeds travel drawer trips).
Hilton Aspire anniversary free night
Worth $300-800. Confirm anniversary date + book it.
Blocked
(2)ADL business CC personal-charge cleanup
Known sloppy (intentional mile-farming). Separate Schedule C audit trail from personal — deferred tax-prep work.
Subscription strays — Iberostar past-due + CrunchLabs expired card
Keep-or-cancel decisions; CrunchLabs is likely a kids' subscription.
Platforms & Tools
Finance dashboard
Open ↗9 sub-pages: accounts · cards · loans · calendar · spending · subscriptions · insights · networth. CF Access, Topher + Jaime only.
USAA (primary)
16-account Dave Ramsey envelope system
Pathways CU
F-150 + Lincoln autos + HELOC — $153K, member prefix 159461-
Fidelity NetBenefits
Both 401(k)s + loans + Jaime's TOD brokerage
Newrez
Mortgage $330K @ 2.875% — locked, never refi
Nelnet
Federal student loan $179K — SAVE plan court-struck, status watch
Recent Events & Decisions
Overview revised — ongoing CFO loop
Drawer file refreshed; debt action queue (OPS-54) is the standing priority-1.
Full portfolio mapped
Net worth + Jaime's Fidelity + $179K Nelnet student loan + Pathways $153K + 1,605 Amex txns. Home equity $241K (Zillow $571K − $330K).
Finance lane buildout kicked off
Overnight build from 198 PDFs in the NAS Financial Dump. Delete-after-parse inbox discipline.
All 2026 returns filed
Topher, Jaime, ADL, Dad, 5 kids.
Memory Files (source of truth)
The markdown files Aria reads for deeper contextmemory/drawers/finance/build-state.md Live state for the overnight Finance dashboard build. Read this first if you are an overnight Aria cron run continuing the work.
memory/drawers/finance/overview.md Full financial portfolio — accounts, loans, credit cards, rewards, subscriptions, net worth. Live dashboard at cc.../info/finance. Last fully audited 2026-05-19.
memory/drawers/finance/prompt_deep_dive_intake.md memory/drawers/finance/str-tax-loophole.md Short-term rental tax strategy to offset W2 income via cost-seg + material participation. Idea logged 2026-05-06 from a friend's agent; not active. For potential future use to offset tax gains and serve Topher + Jaime's real-estate interest.
memory/drawers/finance/methodology/rewards-optimization.md Rewards optimization methodology
memory/drawers/taxes/ Taxes drawer (merged into Finance) — april-2026.md + ongoing.md