Financial Dashboard
2008 → 2026Net Worth Over Time
Income vs Monthly Bills
Assets & Debts Breakdown
Spending Trend by Year
2026 Monthly Snapshot
Net Worth Deep Dive
2008 → 2026Full Net Worth Trajectory
Savings Rate Estimate
Mortgage vs House Value
Net Worth Narrative
−$116K
lowest (2011)
$578K
peak so far (2022)
$576K
current (2026)
$800K
Rainier Beach value
$180K
retirement (2025)
Started homeownership in 2008 at −$25K NW during the housing crash. Reached nadir of −$116K in 2011 as house value dropped to $250K vs $341K mortgage. Recovery accelerated post-2015 with Merkle career boost (+$30K salary jump). The 2022 refi ballooned mortgage from $395K → $567K but funded major improvements. 2023 dip to $303K reflects divorce settlement ($100K 401k transfer). Current trajectory back to all-time highs.
Spending Activity
2008 → 2026Spending by Category
Spending Trend by Year
Category Breakdown Over Time (Stacked)
Life Timeline
1996 → 2030Vehicle (past)
Currently owned
Property (past)
Property (current)
Career
Today
●Vehicles
●Properties & Land
●Career
Vehicle History
1996 → 2026Annual Automotive Spend
Fleet at a Glance
Full Vehicle History
Properties & Land
2008 → presentRainier Beach: Value vs Mortgage
Home Equity Over Time
Property Portfolio
Rainier Beach
$266K
estimated equity (2026)
Purchased May 2008 at $350K. Extensive remodels 2009–2022. 2022 big refi at 3.8% adding $130K for windows, AC/heat pump, exterior paint. Now valued ~$800K with ~$534K mortgage.
1400 Trade Wind
$44K+
Ocean Shores land (2022)
Land parcel purchased May 2022. "Flamingo Shores BnB" concept in workbook. Adjacent to Spinnaker purchase. Potential development or hold for appreciation.
448 Spinnaker
$379K
Ocean Shores beach house (2024)
Purchased Aug 2024. Dedicated payoff plan sheet in workbook. Short-term rental income potential. Second mortgage liability currently ~$379K original purchase price.
Goals & Forward Planning
2026 → 2030Active Goals
Net Worth Projection
Projected Net Worth 2026–2030
Life Milestones
2001 → 2025Major Financial Events
Monthly Budget
Jan → May 2026
Month:
Net Worth — Monthly 2026
Cap One 360 Savings Growth
Asset Breakdown by Month
Debt Balances (Both Mortgages)
Full Monthly Detail
| Line Item | Jan 2026 | Feb 2026 | Mar 2026 | Apr 2026 | May 20 |
|---|
Data Table
Source of Truth| Date | Account | Amount | Source | Notes | Imported | |
|---|---|---|---|---|---|---|
| Loading data… | ||||||
Import & Sync
Data SourcesPlaid — Live Account Sync
Plaid not configured
To connect Capital One 360 and Schwab 401k for live balance sync:
1. Sign up at dashboard.plaid.com → create an app → copy your
2. Run
3. Set
4. Deploy — the Plaid Link button will appear here automatically
1. Sign up at dashboard.plaid.com → create an app → copy your
client_id and secret2. Run
wrangler secret put PLAID_CLIENT_ID and wrangler secret put PLAID_SECRET3. Set
PLAID_ENV = "sandbox" in wrangler.toml for testing4. Deploy — the Plaid Link button will appear here automatically
Manual Import — CSV or JSON
Paste CSV (date,account,amount,notes) or JSON array of rows. Preview before saving.
Google Drive Import
Google Drive — coming soon
Once a GCP service account is set up:
1. Create a project at console.cloud.google.com → enable Drive API → create service account → download JSON key
2. Run
3. Share your Drive folder with the service account email
4. The Import tab will list your financial files here for one-click import
1. Create a project at console.cloud.google.com → enable Drive API → create service account → download JSON key
2. Run
wrangler secret put GDRIVE_SERVICE_ACCOUNT_JSON (paste the full JSON key)3. Share your Drive folder with the service account email
4. The Import tab will list your financial files here for one-click import