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Chapter 03

Tracking your money

Your real balances and spending, kept separate from the plan.

  1. 1 The monthly check-in A short guided ritual on your phone: import last month’s statements, review a few exceptions, confirm balances and end on a plain verdict against your plan.
  2. 2 Cashflow and spending Add bank accounts, log transactions, import bank statement PDFs and compare your real spending with your plan by category, month by month.
  3. 3 Tracking How Tracking records where you actually stand: holdings, brokerage statement import, a live net worth, goal funding and replanning, against your plan.
  4. 4 Investment See how your portfolio is spread out, what it has returned (total P/L and XIRR), what it pays in dividends and which flags deserve a second look.
  5. 5 Money report Once a month, an AI writes your month up from numbers you have recorded. Every figure is tappable to its source, and share cards stay private by default.
Next chapter Couples and sharing