Plan
From your paycheck to 10 years out.
Net worth $443,236. Saving $5,595/mo (74.9% rate). At that pace, your first million lands in about 5 years.
This month's cash flow
Every plan starts with what actually hits your account — and what leaves it. Here's the gap between the two.
Monthly cash flow
Income in, spending out, savings on deck.
Elite savings rate. You're keeping more than you spend — $67,138 a year feeds your future self instead of lifestyle creep.
Spending by category
The top categories driving your monthly outflow.
Your paycheck plan
Surplus without a destination becomes lifestyle creep. Here's where each dollar should go before you see it.
Paycheck allocation
- Emergency fund$500.00Build to $30,000. You're at $28,500 (15.2 mo of spending) — $1,500 to go.
- Roth IRA$583.00Max out $7,000/yr. Tax-free growth for life — the highest-leverage move in your 20s.
- Auto-invest$628.00Recurring buys across core holdings. Weekly beats monthly for volatility smoothing.
- Buy-the-dip$395.00Liquid capital ready for conviction drops (10%+) in your sectors.
- Fun money$527.00No-guilt discretionary spending — bars, dinners, gifts. Once it's gone for the month, it's gone.
Where your money lives
Before we look at investments, here's the structural view: which accounts hold the assets and how balanced that footprint is.
Where your money lives
Account-level balance distribution.
- Schwab Individual Brokerage (Schwab)$184,32041.2%
- Fidelity 401(K) (Fidelity)$138,90631.0%
- Schwab Roth IRA (Schwab)$62,54014.0%
- Chase High-Yield Savings (Chase)$28,5006.4%
- Coinbase Wallet (Coinbase)$21,8714.9%
- Chase Total Checking (Chase)$9,2402.1%
- Citi Double Cash (Citi)$2,1410.5%
Spread across 7 accounts — Schwab Individual Brokerage (Schwab) leads at 41%. A healthy distribution; just make sure each one has a clear purpose (emergency, taxable, tax-advantaged).
What you own
Your asset mix sets the ceiling on returns; your sector exposure decides how smooth the ride is.
Asset mix
Stocks, bonds, crypto, cash.
- US Equity72.7%$274,787
- Fixed Income10.7%$40,628
- International Equity7.2%$27,258
- Cryptocurrency5.8%$21,784
- Cash & Equivalents3.6%$13,800
Stocks at 73% — a balanced growth tilt.
Sector exposure
Where your equity thesis lives.
- Broad Market54.1%$204,690
- Technology20.6%$77,945
- Other14.4%$54,428
- Cryptocurrency5.8%$21,784
- Semiconductors5.1%$19,411
Broad Market at 54% is your biggest single-sector bet — make sure the thesis still holds and consider trimming if it drifts further.
Milestones
Progress bars against the goals that actually move the needle — emergency fund, tax-advantaged space, net worth, and your savings rate.
Milestones
- Emergency fund$28,500 / $30,000$1,500 to go
- Roth IRA (this year)$2,900 / $7,000$4,100 of room left this year
- Next milestone · $500,000$443,236 / $500,000$56,764 to go
- Savings rate → 20%20% / 20%Hitting the 20% benchmark.
What to watch
The analyzer scans for concentration risk, under-utilized tax space, cash drag, and spending drift. Here's what it flagged this run.
What to watch
10 warnings · 2 opportunities · 4 notes
- savingsStrong savings rateYour savings rate of 74.9% exceeds the recommended 20-25% target. This positions you well for aggressive wealth building.
- spendingRising food spendingYour food spending is trending upward at $92/month (4.9% of total spending).
- spendingRising utilities spendingYour utilities spending is trending upward at $76/month (4.0% of total spending).
- spendingRising shopping spendingYour shopping spending is trending upward at $45/month (2.4% of total spending).
Action plan
Concrete DCA targets and tactical opportunities — the next five moves instead of a vague strategy.
Action plan
Tactical opportunities
- ›Max Roth IRA contribution: $7,000/year ($583/month). This should be your first investment priority for tax-free growth.
- ›Maximize Roth 401(k) contributions up to $23,500/year. At age 31, the decades of tax-free compounding outweigh the current-year tax deduction of traditional.
- ›Semiconductor thesis underweight: Consider a lump-sum position in SOXX or SMH to build semiconductor exposure. The AI infrastructure buildout is driving multi-year demand for chips, GPUs, and advanced packaging.
- ›Quantum computing is a high-risk/high-reward early-stage play. Allocate a small satellite position (2-5% of portfolio) via QTUM or individual picks like IONQ. This is speculative - size accordingly.
- ›Upcoming rent change to $1600/month (splitting with partner) saves $750/month. Redirect the full savings to investments to boost your DCA by 10.0% of income.
- ›If your employer offers an HSA-eligible health plan, max the HSA ($4,300/year single). It's the only triple-tax-advantaged account: deductible contributions, tax-free growth, and tax-free qualified withdrawals. Invest the balance in growth funds.
- ›Park emergency fund in a high-yield savings account (5%+ APY) or short-term Treasury ETF (e.g., SHV, BIL). Don't leave cash idle in a 0.01% checking account.
The long view
Thirty years is long enough for compounding to do the heavy lifting. Move the sliders to stress-test the scenario.