myconomy
May 24, 2026
Net Worth
$574,926
+$14,972 this month
82% of your wealth is invested and growing.
By Tax Bucket
Pre-Tax
Taxable · Liquid
Real Estate
Tax-Free
34.2% · $196,534
34.1% · $196,317
15.7% · $90,000
16.0% · $92,075
Tax Buckets
Pre-tax
$168,700
This month+$1,240
Year to date+$9,820
Taxable
$117,943
This month+$3,410
Year to date+$18,650
✦ Tax-free
$141,990
This month+$420
Year to date+$3,100
Financial Independence
You're ~20 years from your target.
Every dollar invested closes the gap.
23%
of the way there
$574K — You are here ▶
$0 $2.5M target
Year-over-year, cash flow, assets & notes
+52.6% in 12 months — net worth grew ~$198K year over year. Your 401(k) added $7,123 in May from contributions plus market gains. Tax-free and pre-tax buckets are nearly even at ~25% each — strong position for flexible retirement withdrawals.
Year over Year
May 2025$376,778
May 2026$574,926
Change+$198,148 (+52.6%)
Monthly Cash Flow
Take-home income$7,638
Core expenses$3,500
Life insurance$2,000
Monthly surplus+$1,919
Other Assets & Notes
🏠 Condo Equity$117,327
💵 Cash (M1 Earn · Wex HSA)$25,900
₿ Crypto (Coinbase + BlockDAG)$12,741
Penn Mutual policy loan−$28,000
Loan to Dad (expected repayment)$13,000
Advisor fee endsDec 2026
All Accounts
Income
$7,774
Paychecks, bonuses, business · May
Expenses
$7,085
Bills, food, gifts, more · May
Net Cash Flow
+$689
May 1–23 · transfers excluded
Transfers (net)
+$24,730
$46,546 in · $21,816 out · May
⚠ not a wash — review
back to myconomy
my future
Two paths forward, grounded in your real numbers.
$428K invested · $1,919/mo surplus · 7% inflation-adjusted return.
Adjust anything. Dream freely.
Financial independence scenarios
Timeline to financial independence
Single path
Family path
FI milestone
Pull any lever — your timeline updates instantly
Monthly surplus invested$1,000
Annual return (inflation-adj.)7.0%
Annual salary raise3.0%
Target monthly income$8,333/mo
Extra monthly cost — family+$2,500
Near-term goals
This year · 2026
Home refresh
$6,000–7,000
Interior paint + fireplace updates. Funded from your $1,919/month surplus over ~3-4 months.
Annual · pegged paychecks
Property tax + HO-6 insurance
~$6,500/yr
Property tax ~$6,000 (2× ~$3,000). HO-6 ~$500–540. July and December extra paychecks cover this fully.
2027–2029 · life change
Relationship → family
Variable
Wedding, potentially a larger home, starting a family. Your surplus gives you flexibility when it arrives.
Modeled in the family path above
In progress · upside
Spark Driver income
$250+/mo
Currently covering Dad's Allstate insurance ($170/mo). Every dollar beyond that accelerates your timeline.
Not in FI calculation — pure upside
✦ Dream simulator — what would it cost?