The AdviserYour private-wealth read on the real numbers — and the play.
DO THIS FIRST🔴 Stop the bleed — you're overdraftedSoFi Checking -$49, EVERYDAY CHECKING ...3548 -$550 (-$598 total). Sweeping your paycheck to savings while negative costs overdraft fees — negative-yield saving. Keep the EARNEST check in checking until every account is $0+.
🔴 Wells Fargo — close it clean$50 to Wells Fargo by Jun 26 · $500 to Wells Fargo, then close by Jul 10. Avoids a ChexSystems charge-off that would block your pending Navy Federal account.
🟡 Subscription audit$428/mo across 11 subscriptions. Kill what you don't use — it goes straight to the buffer.
You are not broke — you are bleeding $661 a year in fees to 'save' money you immediately overdraft against, and that stops this week.
Here's the real mechanism: your EARNEST check lands and auto-sweeps to savings while EVERYDAY CHECKING sits at -$550 and SoFi at -$49 — so you're paying overdraft fees to fund a baby account. That's negative-yield saving, $661/yr lit on fire. Your income is $5,155 against $5,543 spend, but the $7,797 in untagged transfers tells the truth: you're not overspending, you're shuffling money across 10 near-zero accounts and getting punished on bad-timing days. This is a plumbing problem, not a poverty problem.
THE GAME PLAN
1
TodayTurn OFF every auto-sweep on the EARNEST paycheck — the $400 baby fund, the $50 vault, the SoFi transfer.You cannot save into a savings account while a checking account is negative. The sweep IS the bleed.→ frees ~$450/check to clear overdrafts instead of feeding fees
2
This week (payday +0)From the next ~$1,525 EARNEST deposit: clear EVERYDAY CHECKING (-$550) and SoFi Checking (-$49) to $0 first, before anything else.Every day they sit negative you risk another fee and the Wells closure / Navy Fed approval.→ stops ~$55/mo in overdraft fees, protects ChexSystems
3
This weekPay the $50 Wells Fargo obligation now; calendar the $500 for Jul 10, then close it.A charge-off here blocks your pending Navy Federal account.→ protects Navy Fed; avoids ChexSystems flag
4
Next 7 daysCancel 5 of the 11 subscriptions — target $200/mo of the $428.You're carrying $428/mo in subs while underwater $389/mo. Half of that erases your deficit.→ flips monthly net from -$389 to roughly +$0
5
This monthCollapse the 3 empty Vitalize checkings and 2 dead SoFi accounts. Run ONE business account, ONE personal checking, ONE buffer.10 near-zero accounts is why timing kills you — no account ever holds enough to absorb a bad day.→ ends the shuffle and the timing-based overdrafts
6
After overdrafts clearPark $500 as a fixed buffer in personal checking and leave it untouched — that's rung 1.A floor under your account is what makes the bleed permanent-stop.→ absorbs bad-timing days without fees
THE PATH TO $20K/MO
Stop the sweep, clear the two overdrafts, kill $200 of subscriptions — that alone flips you to net-positive in under two weeks. Then consolidate to three accounts and build a $500 buffer, so timing never bites again. Once stable, restart automated saving — but small and real, from W2, while every dollar of Comeback Code, Vitalize, and TrainWithJasD business income routes to a brokerage feeding the income engine. The W2 keeps the lights on; the businesses build the $20K/mo. Structure first, then you scale — and the kid arrives to a father who runs his money instead of chasing it.
generated 6/18/2026, 8:22:50 PM
↑
$4,888
Monthly income
↓
$5,181
Monthly spend
±
-$293
Monthly net
◷
-1.9mo
Runway
Cash flowlast 90d · in $14,664 · out $15,543
Orange = transfers — the ones to tag (rent, business, people) so the map turns real.
Accounts
SoFi Savings ·0402 savings$0
Emergency Fund ·4501 cash management$0
SoFi Checking ·7439 checking-$49
Individual ·4433 brokerage$0
EVERYDAY CHECKING ...3548 ·3548 checking-$550
Vitalize Nutrition ·3131 checking$0
Vitalize Nutrition ·3826 checking$0
Vitalize Nutrition ·3834 checking$0
TRAINWITHJASD LLC ·7872 checking$10
Membership Share ·9960 savings$24
Recurring & spending
BILLS$610/mo
Car payment$384 monthly
$384/mo●○○
Earnin$50 biweekly
$108/mo●●○
CAPITAL ONE CARD$100 monthly
$100/mo●○○
Credit Convey Vansi$8 biweekly
$17/mo●●●
SUBSCRIPTIONS$428/mo
King Of Gains+ $3/mo usage (2 extra)
$118/mo●●●
Supliful$49 monthly
$49/mo●○○
OpenAI+ $5/mo usage (3 extra)
$48/mo●●○
Cloudary Holdings+ $2/mo usage (3 extra)
$45/mo●●●
Anthropic$20 biweekly
$43/mo●●○
OVERDRAFT FEE FOR A TRANSACTION POSTED ON 05/26 $291.20 RECURRING PAYMENT AUTHORIZED ON 05/21 PROGRESSIVE INS$35 monthly
$35/mo●●○
OVERDRAFT FEE FOR A TRANSACTION POSTED ON 04/20 $20.00 RECURRING PAYMENT AUTHORIZED ON 04/19 CLAUDE.AI SUBSCRIP ANTHROPIC.CO$35 monthly
$35/mo●○○
Crunch Fitness$31 monthly
$31/mo●○○
Crunchyroll$14 monthly
$14/mo●○○
Elevenlabs.io$6 monthly
$6/mo●○○
Paper Statement Fee$4 monthly
$4/mo●○○
TRANSFERS
To Checking - 743951× · $0–$1800
$2,227/mo●●○
APPLE CASH SENT MONEY54× · $3–$120
$667/mo●●○
Venmo19× · $5–$50
$225/mo●●○
ISPA/PIMDS PAI ATM, MT LAUREL TOW+ $15/mo usage (3 extra)
$136/mo●●○
Emergency Fund Vault$50 biweekly
$108/mo●●●
SPENDING BY PLACE$3,610/mo
Withdrawal11× · $30–$300
$711/mo●●●
Progressive Insurance5× · $100–$333
$459/mo●●●
T-Mobile5× · $35–$189
$217/mo●●●
Walmart10× · $3–$128
$171/mo●●○
Facebook11× · $1–$134
$166/mo●●●
Vadoo Ai Bangalore10× · $10–$40
$149/mo●●○
Anthropic Headquarters38× · $5–$25
$138/mo●●●
Target3× · $12–$102
$129/mo●●○
Amazon12× · $3–$62
$114/mo●●○
Shopify+ $0/mo usage (2 extra)
$108/mo●●○
Shell11× · $7–$60
$102/mo●●●
Spotify+ $2/mo usage (2 extra)
$98/mo●●●
DoorDash13× · $5–$37
$92/mo●●○
Litwin Market18× · $4–$62
$76/mo●●○
Everfit2× · $19–$68
$71/mo●○○
Credit Genie3× · $10–$35
$67/mo●●○
H&M2× · $28–$38
$66/mo●○○
Speedway3× · $15–$25
$64/mo●●○
Whole Foods$57 monthly
$57/mo●○○
Manus Ai Singapore+ $3/mo usage (2 extra)
$57/mo●●○
Monthly money plan$4,888/mo in
🧾 Bills$484 / $1,037
🛟 Savings$0 / $217
📈 Business$0 / $0
🌿 Life$1,959 / $3,634
Targets from your real bills, subs, and business spend. Savings held to a stabilization floor until the bleed stops.
STABILITY LADDER
0. Stop the bleedYOU ARE HERE
SoFi Checking -$49, EVERYDAY CHECKING ...3548 -$550 still negative.→ Stop the auto-sweep and clear $598 of overdrafts to $0.