"Are we okay?" — the 30-second view
Net worth is positive, income is strong, and recent months on primary checking ran slightly positive. Two specific levers below would meaningfully reduce monthly interest drag — without touching lifestyle.
Newrez mortgage shows $20.00 overdue
Pay before 2026-06-16 to avoid a $63.11 late fee. Account 0580181768 · newrez.com · 866-317-2347
Four numbers that summarize household finance posture. Net worth is positive, the income engine is healthy, and net cash flow on primary checking has stayed above water across the last three months.
Net worth
$346,249
$1208K assets · $862K liabilities
Total debt
$528,999
Mortgage @ 2.875% is most of it
Net cash flow
+$121
/mo avg · last 3 months · primary checking
Interest drag (est.)
$402
/mo · Venmo Visa + Lafayette mostly
12-month net cash flow · USAA primary checking ····7683
Where the debt sits · stacked by balance
Ranked by impact — forgotten money and interest drag first, never spending cuts. Two of these are about money already sitting on the table.
Worth reviewing
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.
Open networthForgotten money
$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.
Open rewardsWorth reviewing
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.
Open insightsSmallest-dollar / highest-urgency item on the board. The May 2026 statement shows the $20 overdue balance with a 16-day grace before the late fee posts.
Open NewrezNine deep pages, each linked from here. The Rewards & Perks page and the Insights page are the two most actively used.
This home page is Phase 1 of the Household CFO redesign. The plan page has the full audit, gap analysis, information architecture, design alignment, insight engine spec, data health concept, and decision points.
Statements through 2026-05-17 · oldest visible 2025-03-27 · Raw data lives in data/finance/ (gitignored) · CF Access protected