Finance Pulse — October 2025
Snapshot covering 2025-10-01 through 2025-10-31.
Headline numbers
- Transactions logged: 160
- Raw income: $242.53
- Raw expenses: $11,777.94
- Raw net: $-11,535.41
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $242.53
- Organic expenses: $11,777.94
- Organic net cashflow: $-11,535.41
- Organic savings rate (API-income denom): -4756.3%
- Personal take-home (incl. RDCO owner draws + wife transfers): $7,987.38
- True savings rate (take-home denom): -47.5%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,106.62 | 34.9% |
| 2 | Taxes | $1,195.12 | 10.1% |
| 3 | Restaurants & Bars | $1,194.97 | 10.1% |
| 4 | Education | $1,000.00 | 8.5% |
| 5 | Medical | $892.65 | 7.6% |
| 6 | Gas & Electric | $617.61 | 5.2% |
| 7 | Groceries | $542.05 | 4.6% |
| 8 | Entertainment & Recreation | $509.00 | 4.3% |
| 9 | Miscellaneous | $443.99 | 3.8% |
| 10 | Shopping | $343.49 | 2.9% |
Income by category (organic only)
| Category | $ |
|---|
| Interest | $196.48 |
| Other Income | $46.05 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2025-10-31 | $18,500.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…6302) | one-time |
| 2025-10-03 | $16,000.00 | 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: $7,987.38
- Organic burn this month — expenses exceeded organic income by $11,535.41.
- Expense concentration: Mortgage alone is 34.9% of monthly spend ($4,106.62).