Finance Pulse — December 2025

Snapshot covering 2025-12-01 through 2025-12-31.

Headline numbers

Transactions logged: 489
Raw income: $679.16
Raw expenses: $19,391.59
Raw net: $-18,712.43
Excluded one-time income outliers: $0.00
Excluded one-time expense outliers: $0.00
Organic income: $679.16
Organic expenses: $19,391.59
Organic net cashflow: $-18,712.43
Organic savings rate (API-income denom): -2755.2%
Personal take-home (incl. RDCO owner draws + wife transfers): $7,643.69
True savings rate (take-home denom): -153.7%

Top 10 expense categories

Rank	Category	$	% of expenses
1	Taxes	$5,597.56	28.9%
2	Mortgage	$4,106.62	21.2%
3	Cash & ATM	$1,903.10	9.8%
4	Shopping	$1,227.21	6.3%
5	Restaurants & Bars	$1,192.35	6.1%
6	Auto Payment	$1,084.55	5.6%
7	Education	$1,000.00	5.2%
8	Travel & Vacation	$564.29	2.9%
9	Gas & Electric	$557.89	2.9%
10	Electronics	$368.19	1.9%

Income by category (organic only)

Category	$
Paychecks	$500.00
Interest	$150.60
Dividends & Capital Gains	$28.56

Outlier transactions (>=$10k or flagged)

Date	Amount	Merchant	Category	Account	Classification
2025-12-30	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-30	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-29	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-29	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-29	$-10,000.00	Nasdaq Direct Portfolio Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2025-12-29	$-10,000.00	Big Tech Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2025-12-29	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Stock Investing Account (…8101)	one-time
2025-12-29	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Nasdaq-100 Direct portfolio (…5778)	one-time
2025-12-26	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-26	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-24	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-24	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-23	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-23	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-22	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-22	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-22	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-22	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-22	$-25,000.00	My Personal Investment Account Money Out Cross Transfer	Transfer	Joint Cash Account (…3318)	one-time
2025-12-22	$25,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	My Personal Investment Account (…0269)	one-time
2025-12-19	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-19	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-18	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-18	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-18	$-10,000.00	Nasdaq Direct Portfolio Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2025-12-18	$-10,000.00	Big Tech Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2025-12-18	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Stock Investing Account (…8101)	one-time
2025-12-18	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Nasdaq-100 Direct portfolio (…5778)	one-time
2025-12-17	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-17	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-16	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-16	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-15	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-15	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-12	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-12	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-11	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-11	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-10	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-10	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-09	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-09	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-08	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-08	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-08	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-08	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-05	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-05	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-04	$-10,000.00	Charles Schwab	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-03	$10,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2025-12-03	$10,000.00	Electronic Deposit	Transfer	Investor Checking …530 (…Investor Checking …530)	one-time
2025-12-03	$-10,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2025-12-03	$-10,000.00	Big Tech Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2025-12-03	$18,500.00	Mammoth Growth L Receivable Ray Data Merchant Name	Transfer	1 - Income (…6302)	one-time
2025-12-03	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Stock Investing Account (…8101)	one-time

Notable observations

RDCO owner-draw inflows to personal accounts this month: $7,643.69
Organic burn this month — expenses exceeded organic income by $18,712.43.
Expense concentration: Taxes alone is 28.9% of monthly spend ($5,597.56).