Finance Pulse — June 2024
Snapshot covering 2024-06-01 through 2024-06-30.
Headline numbers
- Transactions logged: 147
- Raw income: $1,635.56
- Raw expenses: $21,411.85
- Raw net: $-19,776.29
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $1,635.56
- Organic expenses: $21,411.85
- Organic net cashflow: $-19,776.29
- Organic savings rate (API-income denom): -1209.1%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,218.84
- True savings rate (take-home denom): -109.5%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $10,859.32 | 50.7% |
| 2 | Mortgage | $4,108.86 | 19.2% |
| 3 | Miscellaneous | $1,215.45 | 5.7% |
| 4 | Medical | $687.84 | 3.2% |
| 5 | Auto Payment | $658.72 | 3.1% |
| 6 | Shopping | $617.31 | 2.9% |
| 7 | Groceries | $596.50 | 2.8% |
| 8 | Gas & Electric | $549.26 | 2.6% |
| 9 | Restaurants & Bars | $480.48 | 2.2% |
| 10 | Travel & Vacation | $334.78 | 1.6% |
Income by category (organic only)
| Category | $ |
|---|
| Paychecks | $1,500.00 |
| Interest | $106.96 |
| Other Income | $28.60 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2024-06-03 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2024-06-03 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,218.84
- Organic burn this month — expenses exceeded organic income by $19,776.29.
- Expense concentration: Taxes alone is 50.7% of monthly spend ($10,859.32).