Finance Pulse — September 2025
Snapshot covering 2025-09-01 through 2025-09-30.
Headline numbers
- Transactions logged: 149
- Raw income: $589.82
- Raw expenses: $15,359.01
- Raw net: $-14,769.19
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $589.82
- Organic expenses: $15,359.01
- Organic net cashflow: $-14,769.19
- Organic savings rate (API-income denom): -2504.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,136.88
- True savings rate (take-home denom): -68.1%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,106.62 | 26.7% |
| 2 | Restaurants & Bars | $1,700.39 | 11.1% |
| 3 | Shopping | $1,581.57 | 10.3% |
| 4 | Taxes | $1,195.12 | 7.8% |
| 5 | Check | $1,188.00 | 7.7% |
| 6 | Travel & Vacation | $1,039.44 | 6.8% |
| 7 | Medical | $968.86 | 6.3% |
| 8 | Groceries | $644.15 | 4.2% |
| 9 | Miscellaneous | $631.98 | 4.1% |
| 10 | Gas & Electric | $559.20 | 3.6% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $380.60 |
| Interest | $209.22 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2025-09-03 | $18,275.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…6302) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,136.88
- Organic burn this month — expenses exceeded organic income by $14,769.19.
- Expense concentration: Mortgage alone is 26.7% of monthly spend ($4,106.62).