Financial Breakdown — Ryan Bailey

Total Income (3 mo)

$39,754

Payroll + SSA + transfers in

Total Spent (3 mo)

$41,775

All withdrawals & payments

Net Cash Flow (3 mo)

-$2,021

Spending exceeds income

Overdraft Fees YTD

$105

$35 Feb · $0 Mar · $35 Apr (×1 more)

Avg Monthly Income

$13,251

Payroll ~$8,500 + SSA $1,156

Avg Monthly Spend

$13,925

Consistently over income

Month-by-Month Summary

Month	Starting Balance	Income / Deposits	Withdrawals	Net	Ending Balance
February 2026	$2,016.58	+$12,555.73	-$13,528.05	-$972.32	$1,044.26
March 2026	$1,044.26	+$14,946.25	-$15,990.48	-$1,044.23	$0.03
April 2026	$0.03	+$12,252.33	-$12,256.19	-$3.86	-$3.83
3-Month Total	—	+$39,754.31	-$41,774.72	-$2,020.41	-$3.83

ATM Cash Withdrawals

Month	Date	Amount	Running Total
February	2/6	$700	$700
February	2/13	$700	$1,400
February	2/20	$700	$2,100
February	2/25	$700	$2,800
March	3/6	$700	$3,500
March	3/14	$700	$4,200
March	3/20	$700	$4,900
March	3/29	$700	$5,600
April	4/3	$1,300	$6,900
TOTAL CASH PULLED	—	$6,900	$6,900 (3 mo)

⚠️ $6,900 in cash withdrawals over 3 months (~$2,300/mo average). Untracked — no visibility into where it goes. Most pull $700 at a time from the same Saginaw ATM.

12-Month Bill Tracker

DUE SOON — MAY 2026

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Date Paid	Bill	Month	Amount	Status
Mark bills as paid above to build your payment history.

Spending Categories — All 3 Months Combined

GROCERIES / HEB / WALMART / WINCO

$3,410

~$1,137/mo

AUTO (Luxury Auto / Carpay)

$5,942

~$1,981/mo

FAST FOOD / DINING

$1,480

~$493/mo

AMAZON

$1,721

~$574/mo

ATM CASH (untracked)

$6,900

~$2,300/mo

CAPITAL ONE (credit cards)

$4,005

~$1,335/mo

INSURANCE (State Farm)

$2,823

~$941/mo

T-MOBILE

$1,603

~$534/mo

SAM'S CLUB / COSTCO

$1,449

~$483/mo

GAS / FUEL

$430

~$143/mo

UTILITIES (TRI COUNTY ELEC)

$1,408

~$469/mo

SUBSCRIPTIONS

$510

~$170/mo

LIFE.CHURCH TITHES

$600

$200/mo

CHERRY TECHNOLOGY (loan?)

$610

$203.47/mo

TIKTOK SHOP

$85

~$28/mo

RENT / ZELLE TO REGI YOUNG

$2,100

$700/mo (Apr only visible)

Month-by-Month Category Breakdown

Category	February	March	April	3-Mo Total
🏠 Rent (Regi Young Zelle)	unknown	unknown	$2,100	$2,100+
🚗 Auto Payments (Cap One — OLD, sold May 2026)	$669	$2,069	$649	$3,387 historical
🚗 New Car Payment ($841/mo — due 4th)	—	—	—	$841+ going forward
🚗 Luxury Auto Inc (repairs/payments)	$2,416	$864	$559	$3,839
🏦 ATM Cash Withdrawals	$2,800	$2,800	$1,300	$6,900
🛒 Grocery (HEB/Walmart/WinCo/Aldi)	$1,008	$1,462	$940	$3,410
🛒 Sam's Club	$177	$534	$438	$1,149
📦 Amazon	$67	$1,182	$572	$1,721
🍔 Fast Food / Dining	$554	$544	$382	$1,480
⚡ Electric (Tri County)	$0	$530	$878	$1,408
📱 T-Mobile	$810	$0	$793	$1,603
🛡️ State Farm Insurance	$1,795	$907 refund+$57	$907 refund+$57	$2,823
💳 Cherry Technology (loan)	$203	$203	$203	$610
⛽ Gas / Fuel	$130	$180	$120	$430
📺 Subscriptions	$165	$185	$360	$710
⛪ Life.Church Tithes	$200	$200	$200	$600
💊 Medical (Labcorp/Trimrx)	$0	$0	$366	$366
🎡 Entertainment/Other	$245	$420	$280	$945
TRACKED TOTAL	~$11,044	~$12,134	~$11,097	~$34,275

Fixed & Recurring Bills

Bill / Payee	Type	Amount	Typical Date	Feb	Mar	Apr
New Car Payment Replaced Capital One Auto (sold old car May 2026)	FIXED	$841.00	4th of month	—	—	—
Luxury Auto — Car 1 Luxury Auto Inc · payment plan	FIXED	$305.00	15th of month	historical	historical	historical
Luxury Auto — Car 2 Luxury Auto Inc · payment plan	FIXED	$241.00	15th of month	historical	historical	historical
Capital One Credit Cards Multiple cards — $162–$986	VARIABLE	$350–$2,069	~16th / 17th	✓ 2/17 ($350)	✓ 3/16 ($2,069)	✓ 4/17 ($562)
State Farm (auto/home) Billed + refunded pattern	FIXED	$56.77/mo + $907 refund	~23rd–26th	⚠️ $1,795 (large + OD)	✓ 3/26–3/27	✓ 4/27–4/28
T-Mobile Fixed $754.26 due every 9th	FIXED	$754.26	9th of month	✓ 2/9 ($810)	— skipped?	✓ 4/13 ($793)
Cherry Technology Financing / loan ACH — OVERDRAFT RISK	FIXED	$203.47	~14th–17th	⚠️ 2/17 (caused OD)	✓ 3/16	⚠️ 4/14 (caused OD)
Tri County Electric Utility	VARIABLE	$398–$530	26th of month	—	✓ 3/2 ($530)	✓ 4/10 ($480) / 4/17 ($398)
Planet Fitness (×2) ABC PF + K iclub	FIXED	$27.11 + $42.11	~17th / 25th	✓ both	✓ both	✓ both
Life.Church Tithe	FIXED	$50.00 weekly	weekly Sun	✓ 4× = $200	✓ 4× = $200	✓ 4× = $200
Netflix	AUTO	$19.47	~15th	✓	✓	✓
Disney+	AUTO	$21.59	~9th	✓	✓	✓
Spotify	AUTO	$21.64–$23.80	~10th	✓	✓	✓
Amazon Prime	AUTO	$16.23	~8th	✓	✓	✓
Ring Security	AUTO	$10.81	~28th–2nd	—	✓	✓
Frontier Security	AUTO	$59.99	~12th	—	✓	✓
Sam's Club Membership	AUTO	$12–$22.69	~12th / 28th	—	✓	✓
HP All-In Plan	AUTO	$20.55	~24th	✓	✓	✓
White Water Express (car wash)	AUTO	$19.99	~21st	✓	✓	✓
Audible	AUTO	$16.18	~1st	—	✓	—
Rent (Regi Young Zelle)	FIXED	$700.00	~1st	unknown	unknown	✓ $700×3

Estimated Monthly Fixed Obligations

MINIMUM MONTHLY COMMITTED SPEND

Rent (Regi Young)$700

New Car Payment$841

T-Mobile (due 9th)$754

State Farm (monthly)$57

Cherry Technology$203 ⚠️

Luxury Auto — Car 1$305

Luxury Auto — Car 2$241

Tri County Electric~$450

Life.Church Tithes$200

Frontier Security$60

Planet Fitness (×2)$69

Streaming (Netflix/Disney+/Spotify)$63

Amazon Prime + Ring + HP + Carwash$67

MINIMUM FIXED/RECURRING:~$5,510/moRent is $700 EVERY Friday ($2,800/mo) · T-Mobile $754.26/mo · New car $841/mo

OVERDRAFT TRIGGER DATES TO WATCH

📅 4th of month — New Car Payment $841.00 — due exactly on the 4th

📅 ~8th–9th — Amazon Prime, Disney+, large purchases

📅 ~10th — Spotify auto-pay

📅 26th — Tri County Electric (~$398–$530)

📅 14th — Cherry Technology $203.47 ⚠️ Pre-fund by 13th

📅 15th — Luxury Auto Car 1 $305 + Car 2 $241 = $546 total

📅 ~15th–17th — Netflix, Capital One credit cards, Planet Fitness

📅 ~18th — SSA deposits land ($1,156)

📅 ~20th — WM recurring, big grocery runs

📅 ~21st–22nd — White Water, Life.Church

📅 ~23rd–26th — State Farm monthly ($56.77)

📅 ~27th–28th — State Farm Ro refund ($907), Ring

Income Sources

PRICELESS PAY PAYROLL (FlowCore)

Feb 6 paycheck$1,889.29

Feb 13 paycheck$3,347.91

Feb 20 paycheck$1,734.35

Feb 27 paycheck$1,699.55

Feb Total: $8,671.10

Mar 6 paycheck$1,812.87

Mar 13 paycheck$4,999.56

Mar 20 paycheck$1,894.30

Mar 27 paycheck$1,821.28

Mar Total: $10,527.01

Apr 3 paycheck$1,924.39

Apr 10 paycheck$2,050.56

Apr 17 paycheck$3,387.78

Apr 24 paycheck$1,776.56

Apr Total: $9,139.29

SSA / SOCIAL SECURITY (×2 DEPENDENTS)

Two SSA deposits hit on the 18th of each month:
Bentley BAI — $578.00/mo
Brooklyn BAI — $578.00/mo
Total SSA: $1,156/mo — all 3 months confirmed

OTHER INFLOWS

T-Mobile refund/handset credit: $792.19 (3/16)

State Farm Ro refund: $907.38 (3/27 & 4/28)

Zelle from Jonathan Lawson: $160.00 (3/17)

Zelle from Brooklyn Bailey: $40–70 (various)

Money transfers from self: savings being drained to cover checking

3-MONTH PAYROLL TOTAL

$28,337

3-MONTH SSA TOTAL

$3,468

PAYCHECK FREQUENCY

Weekly — every Thursday/Friday

Paycheck Variance

Paychecks range from $1,699 to $4,999 in a single month — suggesting variable pay. Planning around the minimum paycheck (~$1,700) rather than average would prevent most overdrafts.

Metric	February	March	April
Largest paycheck	$3,347.91	$4,999.56	$3,387.78
Smallest paycheck	$1,699.55	$1,812.87	$1,776.56
Total payroll	$8,671	$10,527	$9,139
SSA deposits	$1,156	$1,156	$1,156
Total income	~$10,983	~$13,438	~$11,333

Key Findings & Warnings

⚠️ Cash Hemorrhage

$6,900 in ATM withdrawals over 3 months ($2,300/mo average) with zero visibility. Cutting cash withdrawals in half would free ~$1,150/mo immediately.

⚠️ Spending Exceeds Income Every Month

All 3 months ended lower than they started. $2,016 → $1,044 → $0.03 → -$3.83. The account is functionally empty and savings are being depleted to cover checking.

⚠️ Cherry Technology — Overdraft Trigger

This $203.47 ACH pulls ~14th–17th and has triggered overdraft fees twice (Feb & Apr = $70). Pre-fund the account before the 14th or call to move the due date.

⚠️ Auto Costs — Updated

Old Capital One Auto ($554/mo) replaced. New car payment is $841/mo due the 4th. Combined with Luxury Auto Inc history and insurance, auto remains a significant budget line — now ~$900+/mo committed on the car payment alone. Ensure the 4th is pre-funded each month.

⚠️ T-Mobile — $754/mo Fixed

Updated to $754.26/mo due on the 9th. This is still a very high phone bill — at $754/mo that's $9,051/yr just for phone service. Consider restructuring device installments or switching plans to reduce this significantly.

⚠️ Amazon Spending Spiked in March

March had $1,182 in Amazon charges in just a few days (3/13–3/16). April had $572. Consider a 24-hour cart hold rule to reduce impulse purchases.

ℹ️ State Farm Refund Pattern

A ~$907 State Farm refund hits on the 27th–28th (Mar & Apr). Helping offset end-of-month spend but shouldn't be counted as recurring income.

ℹ️ Subscriptions Adding Up

Netflix $19 + Disney+ $21 + Spotify $24 + Amazon Prime $16 + Audible $16 + Ring $11 + HP Plan $21 + Frontier Security $60 + Car Wash $20 + Yousician $152 = ~$360+/mo

✅ Bills Generally Paid On Time

Aside from Cherry Technology conflicts, all major bills appear to post and clear without issue. No NSF on major bills — only the Cherry ACH timing issue.

✅ Reliable SSA Income

$1,156/mo SSA hits like clockwork on the 18th. If you keep at least $250 available before the 14th, Cherry ACH overdraft fees are eliminated.

✅ Consistent Payroll

Weekly paychecks from Priceless Pay hit every Thursday. Even in low weeks, $1,700+. Cash flow is frequent — the issue is outflow velocity, not income gaps.

ℹ️ Medical Spending — April

Labcorp $106.91 + Trimrx $259.00 hit in April — $366 total. If ongoing, budget ~$300–400/mo for health going forward.

Recommended Action Items

#	Action	Est. Monthly Impact	Priority
1	Track or reduce ATM cash withdrawals — set a $500/mo cash budget	+$1,800/mo	CRITICAL
2	Pre-fund account before 14th to avoid Cherry Technology OD — transfer $250 from savings by the 13th	+$35/mo	HIGH
3	New car payment $841 — budget the 4th — Old Capital One Auto ($554) removed. New payment is $287/mo higher. Pre-fund checking by the 3rd each month to avoid any overdraft risk.	-$287/mo vs before	HIGH
4	Audit subscriptions — cancel unused ones (Audible, Yousician, duplicate gym memberships?)	+$50–150/mo	MEDIUM
5	Fast food / dining at $493/mo average — reducing by half saves ~$250/mo	+$250/mo	MEDIUM
6	Amazon impulse buying — March $1,182 spike; try 24-hour cart hold rule	+$300–500/mo	MEDIUM
7	Build a $500 checking buffer — prevent near-zero situations like March 31 ($0.03)	peace of mind	STRUCTURAL

Total CC Spending (3 mo)

$2,430

Feb – Apr 2026 · Both cards

Total Interest Paid (3 mo)

$37.37

Avoidable — pay in full each cycle

Current Combined Balance

$497.98

#4319: $116.68 + #9101: $381.30

Combined Credit Limit

$1,500

#4319: $500 · #9101: $1,000

Utilization Rate

33%

Keep under 30% for credit score

Min Payments Due (May)

$53

#4319: $25 May 7 · #9101: $28 May 8

Card Detail — May 2026 Status

QUICKSILVER

•••• 4319

Ryan D Bailey

$500 limit · 28.49% APR

$383 available

Current Balance$116.68

23% of $500 limit

Payment DueMay 07, 2026

New Balance$116.68

Minimum Due$25.00

Rewards Balance$12.22

✅ Pay $116.68 in full by May 7 — avoids all interest. This card is paid off from April. Keep it under $400 to stay below 30% utilization.

QUICKSILVER

•••• 9101

Ryan Bailey

$1,000 limit · 30.24% APR

$618.70 available

Current Balance$381.30

38% of $1,000 limit — above ideal 30%

Payment DueMay 08, 2026

New Balance$381.30

Minimum Due$28.00

Rewards Balance$25.22

⚠️ 30.24% APR — carrying $381 costs ~$9.60/mo in interest. Pay in full by May 8 to stop interest accrual on this cycle.

3-Month Statement History — Feb thru Apr 2026

•••• 4319 Quicksilver

•••• 9101 Quicksilver

Month / Period	Opening Bal	Charges	Payments	Interest	Closing Bal	Due Date	Status
February Jan 14–Feb 10	$501.46	+$293.58	-$501.46	$6.36	$299.94	Mar 07	PAID
March Feb 11–Mar 13 ⚠️ OVER LIMIT	$299.94	+$393.29	-$200.00	$9.07	$502.30	Apr 07	OVER LIMIT
April Mar 14–Apr 12	$502.30	+$116.68	-$502.30	$0.00	$116.68	May 07	PAID FULL
3-Month Totals	—	$803.55	$1,203.76	$15.43	$116.68	—	—

Transaction Detail — ···· 4319

February

March

April

Month / Period	Opening Bal	Charges	Payments	Interest	Closing Bal	Due Date	Status
February Jan 15–Feb 11	$957.94	+$466.73	-$1,073.81	$7.16	$358.02	Mar 08	PAID DOWN
March Feb 12–Mar 14	$358.02	+$778.41	-$1,136.43	$14.50	$14.50	Apr 08	NEAR ZERO
April Mar 15–Apr 13	$14.50	+$381.02	-$14.50	$0.28	$381.30	May 08	OPEN
3-Month Totals	—	$1,626.16	$2,224.74	$21.94	$381.30	—	—

Credit Card Insights & Warnings

⚠️ Card #4319 Went Over Limit — March

Balance hit $502.30 on a $500 limit. Only $200 was paid when $300+ was needed to stay current. This triggers declined transactions and possible penalty rates. Only a $200 payment was made — full balance was paid in April. Avoid repeating.

⚠️ 30.24% APR on Card #9101 Is Very High

Carrying a balance on #9101 costs $30.24 per year per $100. On a $381 balance, that's ~$115/yr in interest alone. Always pay this card in full. The $37 paid in interest over 3 months was completely avoidable.

⚠️ Guitar Center $275 — March (Card #9101)

Two Guitar Center charges totaling $275.26 on Mar 10 contributed significantly to the March spike on #9101 ($778 total that month). This appears to be an impulse purchase — consider whether it fit the budget that month.

⚠️ Oregon Trip Feb 1–3 — $300+ in 2 Days (#9101)

Coldstone $26.75, Dragon Palace $76.75, Wunderland Games $45, Ross $49, Christian Outlet $45.94, Taco Bell $19.83, Tillamook Creamery $15.97, Arco $20 — all in Gresham/Portland OR over 2 days. $299+ in entertainment and dining.

ℹ️ Utilization at 33% — Just Over the Line

Combined balance $497.98 on $1,500 total limit = 33% utilization. Credit bureaus prefer under 30%. Paying #9101 to below $300 (or paying both in full) would drop utilization to ideal range and may improve your credit score.

ℹ️ Rewards Accumulating — $37.44 Total

#4319 has $12.22 in rewards, #9101 has $25.22. Combined $37.44 cashback sitting unredeemed. You can apply this directly to your statement balance on capitalone.com — essentially free money to reduce what you owe.

✅ Consistent Payments — No Late Fees

Despite tight months, neither card had a late payment or late fee across all 3 months. $0 in fees on both cards for the full period. That's protecting your credit score and avoiding $40 late fees.

✅ Card #4319 April — Paid in Full, $0 Interest

After the March over-limit situation, the full $502.30 was paid in April, bringing interest to $0 for that cycle. This is the right behavior — pay in full whenever possible to stop the 28.49% APR clock.

Credit Card Action Plan

#	Action	Impact	Priority
1	Pay #4319 full $116.68 by May 7 — avoid any interest on 28.49% APR	$0 interest	URGENT
2	Pay #9101 full $381.30 by May 8 — stop the 30.24% APR from compounding	~$9.60 saved	URGENT
3	Redeem $37.44 in rewards — apply to statement balance at capitalone.com, no cash needed	+$37.44	THIS WEEK
4	Keep #4319 under $150/mo — $500 limit leaves almost no room; one big grocery run fills it	Prevents over-limit	ONGOING
5	Never carry a balance on #9101 — 30.24% APR will cost you $115+/yr on a $381 balance	$115/yr saved	STRUCTURAL
6	Call Cap One to request a limit increase on #4319 — going from $500 to $1,000 instantly cuts utilization and reduces over-limit risk	Credit score boost	STRUCTURAL

Monthly Fixed Bills

$6,610

All recurring obligations

Avg Monthly Income

$13,251

Payroll + SSA · variable paychecks

Savings Target

$1,000

Per month · see cuts below

Bills Paid This Month

0 / 0

May 2026

Paycheck Calculator

Pay Date

Take-Home Pay ($)

Savings Goal ($)

$250/wk = $1,000/mo saved

Payday Bill Schedule — May & June 2026

You get paid every Friday. $700 rent is due every Friday. Tap any bill to check it off when paid.

How to Save $1,000/Month — Category Cuts

Your income covers your bills. The gap is in these spending categories. Cut these and you save $1,000+ easily.

MONTHLY SAVINGS MATH

FORGE

4-Week Transformation · Ryan D Bailey · 280→220 lb Goal

1,500 CAL/DAY TIRZEPATIDE PROTOCOL