Finance Pulse — January 2026

Snapshot covering 2026-01-01 through 2026-01-31.

Headline numbers

Transactions logged: 467
Raw income: $483.17
Raw expenses: $22,069.07
Raw net: $-21,585.90
Excluded one-time income outliers: $0.00
Excluded one-time expense outliers: $0.00
Organic income: $483.17
Organic expenses: $22,069.07
Organic net cashflow: $-21,585.90
Organic savings rate (API-income denom): -4467.6%
Personal take-home (incl. RDCO owner draws + wife transfers): $10,327.22
True savings rate (take-home denom): -113.7%

Top 10 expense categories

Rank	Category	$	% of expenses
1	Medical	$4,336.07	19.6%
2	Mortgage	$4,106.62	18.6%
3	Business Utilities & Communication	$3,326.30	15.1%
4	Shopping	$1,667.95	7.6%
5	Insurance	$1,469.00	6.7%
6	Taxes	$1,280.84	5.8%
7	Auto Payment	$1,084.55	4.9%
8	Travel & Vacation	$740.19	3.4%
9	Restaurants & Bars	$553.07	2.5%
10	Groceries	$523.77	2.4%

Income by category (organic only)

Category	$
Interest	$483.17

Outlier transactions (>=$10k or flagged)

Date	Amount	Merchant	Category	Account	Classification
2026-01-29	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	My Personal Investment Account (…0269)	one-time
2026-01-29	$-10,000.00	My Personal Investment Account Cross Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-22	$15,000.00	Chase Bank Account Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-22	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-22	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Nasdaq-100 Direct portfolio (…5778)	one-time
2026-01-22	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Stock Investing Account (…8101)	one-time
2026-01-22	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	My Personal Investment Account (…0269)	one-time
2026-01-22	$-10,000.00	Nasdaq Direct Portfolio Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-22	$-10,000.00	My Personal Investment Account Cross Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-22	$-10,000.00	Big Tech Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-21	$15,000.00	Chase Bank Account Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-21	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-20	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-20	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-16	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-16	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-13	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-13	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-13	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-13	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-12	$-10,000.00	Nasdaq Direct Portfolio Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-12	$-10,000.00	Big Tech Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-12	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Stock Investing Account (…8101)	one-time
2026-01-12	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Nasdaq-100 Direct portfolio (…5778)	one-time
2026-01-09	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-09	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-08	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-08	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time
2026-01-07	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Nasdaq-100 Direct portfolio (…5778)	one-time
2026-01-07	$-10,000.00	Nasdaq Direct Portfolio Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-06	$-10,000.00	Big Tech Money Out Cross Account Transfer	Transfer	Joint Cash Account (…3318)	one-time
2026-01-06	$10,000.00	Cross Account Transfer in Automated Transaction Transfer	Transfer	Stock Investing Account (…8101)	one-time
2026-01-05	$18,500.00	Mammoth Growth L Receivable Ray Data Merchant Name	Transfer	1 - Income (…6302)	one-time
2026-01-02	$15,000.00	Chase Bank Account Money in Deposit	Transfer	Joint Cash Account (…3318)	one-time
2026-01-02	$-15,000.00	Wealthfront	Transfer	TOTAL CHECKING (…4631)	one-time

Notable observations

RDCO owner-draw inflows to personal accounts this month: $10,327.22
Organic burn this month — expenses exceeded organic income by $21,585.90.
Expense concentration: Medical alone is 19.6% of monthly spend ($4,336.07).