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7 accounts · 13 positions · synced 8d ago

Brief
Total net worth
$445,377
Assets $447,518Liabilities $2,141Savings rate 74.9%
Next actionAI-suggested

Your savings rate of 74.9% exceeds the recommended 20-25% target. This positions you well for aggressive wealth building.

See today’s brief Open analysis

Accounts

Manage connections →
Schwab Individual Brokerage
schwab · brokerage
●Connected
$184,320
6 positions
Schwab Roth IRA
schwab · roth ira
●Connected
$62,540
3 positions
Fidelity 401(k)
fidelity · traditional 401k
↓CSV — current
$138,906
2 positions
Chase Total Checking
chase · checking
↓CSV — current
$9,240
0 positions
Chase High-Yield Savings
chase · savings
↓CSV — current
$28,500
0 positions
Coinbase Wallet
coinbase · crypto
●Connected
$21,871
2 positions
Citi Double Cash
citi · credit card
↓CSV — current
$2,141
0 positions

Asset allocation

US Equity72.7% $274,787
Fixed Income10.7% $40,628
International Equity7.2% $27,258
Cryptocurrency5.8% $21,784
Cash & Equivalents3.6% $13,800
  • savings
    Strong savings rate
    Your savings rate of 74.9% exceeds the recommended 20-25% target. This positions you well for aggressive wealth building.
  • spending
    Rising food spending
    Your food spending is trending upward at $92/month (4.9% of total spending).
  • spending
    Rising utilities spending
    Your utilities spending is trending upward at $76/month (4.0% of total spending).
  • spending
    Rising shopping spending
    Your shopping spending is trending upward at $45/month (2.4% of total spending).

Cash & spending

$1,876 /mo
Emergency fund
$28,500/
15.2 months of spending covered
95% of target
Monthly budget
Necessities
Investments
Discretionary
Savings
6-month flow
Last 6 months · modeled from monthly averages
Fixed expenses
$2,746/mo
  • Rent$2,350/mo
  • Utilities$230/mo
  • Auto insurance$128/mo
  • Subscriptions$38/mo

Top positions

View all →
Symbol
Name
Held in
Value
Qty
G/L %
VTI
Vanguard Total Stock Market ETF
Fidelity 401(k)
$97,713
330.00
+24.4%
VOO
Vanguard S&P 500 ETF
Schwab Individual Brokerage
$48,961
92.00
+26.7%
BND
Vanguard Total Bond Market ETF
Fidelity 401(k)
$40,628
560.00
-2.0%
QQQ
Invesco QQQ Trust
Schwab Individual Brokerage
$31,284
60.00
+14.6%
SCHG
Schwab U.S. Large-Cap Growth ETF
Schwab Roth IRA
$30,758
280.00
+24.8%
VXUS
Vanguard Total International Stock ETF
Schwab Roth IRA
$27,258
420.00
+11.9%
AAPL
Apple Inc
Schwab Individual Brokerage
$25,003
110.00
+33.7%
MSFT
Microsoft Corp
Schwab Individual Brokerage
$21,658
48.00
+25.3%
NVDA
NVIDIA Corp
Schwab Individual Brokerage
$19,411
140.00
+73.3%
BTC
Bitcoin
Coinbase Wallet
$15,642
0.1650
+58.0%