Boyle Family Financial Command Center

Total Verified Net Worth

$757,433

$490.2k Invested • $197.8k Home • $43.9k Cash • $22.3k Auto

Investable Portfolio

$490,200

$460k Retirement • $14.9k ESAs • $9.7k HSA • $4.3k Taxable

Automated Wealth Engine

$50,058/yr

$4,171/mo automated (17.0% of $295k gross income)

2052 Retirement Target (Age 65)

$6.50M+

Spins off ~$260,000/yr at a safe 4% withdrawal rate

Net Worth Composition ($757,433)

Quicken Simplifi Verified Net Equity Breakdown

Retirement Trajectory (2026–2052)

$469.7k Base + $45,850/yr Adult Contributions @ 8.5% Return

Automated Annual Wealth Engine ($50,058/yr)

$4,171.50/month across Tax-Advantaged & Kids Buckets

Account / Bucket	Tax Strategy	Monthly	Annual
Matt 401(k) (Maxed Out)	Pre-Tax	$2,041.67	$24,500
Keely 401(k) (10% + 8% Match)	Roth + Match	$1,050.00	$12,600
Family HSA (Fidelity Core)	Triple Tax-Free	$729.17	$8,750
Twins' 529 Plans ($100/ea)	Tax-Free 529	$200.00	$2,400
First Car UTMAs ($45/ea FZROX)	Custodial	$90.00	$1,080
Starter Minor IRAs ($7/wk ea)	Tax-Free Roth	$60.67	$728

Quicken Simplifi Balance Sheet

Household Assets vs. Low-Rate Liabilities

Category	Gross Value	Debt / Float	Net Equity
Retirement Accounts (401k / IRAs)	$460,000	$0	$460,000
243 Genesee Residence	$520,700	-$322,900	$197,800
Liquid Cash Reserves (Net of Float)	$55,900	-$12,000	$43,900
Vehicles (MDX & Ridgeline @ 0% / 3%)	$53,600	-$31,300	$22,300
Jameson & Lucy Coverdell ESAs	$14,900	$0	$14,900
Family HSA + Taxable / RSUs	$14,000	$0	$14,000

Jameson & Lucy (Age 9) — Multi-Tier Milestone Projections

100% Equity Index Allocation (FZROX / S&P 500) @ 8.5% Annualized Return

Dedicated Bucket	Current Balance	Monthly Draft	Target Milestone	Projected Value	Strategic Purpose
Coverdell ESAs + 529 Plans	$14,900 ($7,450/ea)	$200 / mo ($100/ea)	2035 (Age 18) 2039 (Age 22)	~$62,500 (Age 18) ~$98,000 (Age 22)	Tax-free tuition & books; unused 529 funds eligible for SECURE 2.0 Roth IRA rollover (up to $35k/child).
First Car Custodial UTMAs	Active (FZROX)	$90 / mo ($45/ea)	2034 (Age 17)	~$13,400 Total ($6,700/ea)	Dedicated reliable vehicle fund at age 17 without tapping family emergency reserves.
Starter Minor IRAs	Active	$60.67 / mo ($7/wk ea)	2035 (Age 18)	~$10,100 Total ($5,050/ea)	Jumpstarts 50+ years of tax-free compounding; teaches index investing early.

Simplifi Data View: Switch between Core Recurring Budget ($11.6k/mo) and Full Raw Ledger (includes checks, ATM, Vegas/furniture one-offs).

Last Month Spend (Sep 2026)

$12,140

+$540 (+4.7%) vs. $11,600/mo 12-Mo Avg

12-Month Avg Operational Spend

$11,600/mo

~$139,200/yr verified across 3,140 transactions

Est. Monthly Net Income (After Tax & 401k/HSA)

$13,850/mo

After taxes + $3,821/mo payroll retirement deductions

Monthly Net Free Cash Flow (Surplus)

+$1,359/mo

After all spending + $351/mo kids savings drafts

Monthly Spending vs. Net Take-Home Income

12-Month Simplifi Cash Flow Trend (Nov 2025 – Oct 2026)

Last Month vs. 12-Month Category Average

Simplifi verified category variance

Core Spending Breakdown (7 Buckets)

Quicken Simplifi Automated Outflows

🚨 Simplifi CSV Audit & Anomaly Radar

Verified spikes, category rule fixes & friction points

📐 Key Household Cash Flow Ratios & Velocity

High-signal health metrics for Matt & Keely

Metric	Current Reading	Target Benchmark	Status
Fixed Needs Ratio (Housing, Utilities, Groceries, Auto)	54.2% of Net	< 60% of Net	Healthy
Dining, Coffee, Fast Food & Bars (304 txns)	$1,151 / mo ($13.8k/yr)	$850 / mo Target	+$301/mo Opportunity
Gross Wealth Savings Rate (Auto + Surplus)	22.8% Total	15% – 20%+	Elite Pace
Liquid Cash Runway ($43.9k Net Liquid)	3.8 Months	3 – 6 Months	Solid Buffer
Credit Card Float Coverage ($55.9k Cash vs. $12k Float)	4.66x Covered	> 2.0x Covered	Zero Interest Drag

Detailed Simplifi Category Breakdown: Last Month vs. 12-Month Average

Verified transaction history across 3,140 records

Spending Category	Last Month	12-Mo Monthly Avg	$ Variance	% vs. Year Avg	Notes / Simplifi Drivers