Total Net Worth
Jun '25Jun '26
Daily Must-Dos
Your Goals
Action Center
Prioritized reminders — check off when done
🔴
3 urgent items need attention this week — Chase Ink utilization is blocking your SBA application.
🔴
Urgent — Do This Week
🟡
This Month
🔵
This Quarter
Net Worth
Real balances · Jun 2, 2026
Total Net Worth
12-month trend
Assets
Liabilities
Cash Flow
$4,900 bi-weekly · 26 pays/yr · $23,800 bonus · triple-check: October
Regular month
-$1,567
$9,800 in · $11,367 out
October (3 checks)
+$3,333
$14,700 in
Annual surplus
+$9,566
incl. $23,800 bonus
Bonus received
$23,800
Feb 27, 2026
💡
Bonus strategy: Deploy in APR order — Citibank 27.49%, Venture One 25.49%, Discover 22.24%, Fourleaf 12.74%, Best Egg 12.18%. Clears all CC debt + most of Best Egg → frees ~$1,048/mo.
Monthly Obligations — $11,367 total
Debt Tracker
Personal $79,562 · Business $43,135 · Total $122,697
CC Debt
$13,830
4 cards · deploy bonus
Fixed Loans
$65,732
LightStream + Best Egg + HELOCs
Business
$43,135
Chase Ink 81.8% util
HELOC Available
$87,492
$105k total limit
Personal Debt — Payoff Priority (APR Order)
Business Debt — Rabenson Group LLC
The Big Plan
Synced from Notion · Alpharetta, GA
$4M Cash by Dec 31, 2030
Business income $15k+/mo · Remove all debt · Complete time freedom · Write the books
$182,848 of $4,000,0004.6%
$3.82M to go · 4.5 years · SMB acquisition is the accelerant
Brain Reprogramming
Mindset · Based on the neuroscience of fast behavior change
Brain Reprogramming Worksheet
Step 1 — Target Acquisition
Define your goal with precise, sensory specificity. Not "more money" — an exact number, a condition, what arrival actually looks like. You're training your RAS to filter for what matters.
Step 2 — Threat Modeling · Two Futures
Write both futures in vivid detail. Future A is your desired outcome — calm, confident, specific. Future B is the failure trajectory if nothing changes. Make B uncomfortable enough that staying the same feels unsafe.
Future A — Desired Outcome
Future B — Failure Trajectory
Step 3 — Identity Engineering
Don't write aspirations — write the rules of the person you already are becoming. Ask: "What kind of person would never even question this behavior?" Write the lifestyle rules of that identity.
Step 4 — Environmental Sabotage
List 3–5 specific changes you'll make to your physical environment this week to break old loops and spike prediction errors in your brain.
Step 5 — Butler Protocol
What small, concrete actions will you take today to make tomorrow easier? Think: prep, food, money, time, decisions already made. You are the butler of your future self.
Daily Practice
Step 6 — Daily Self-Rating (10 seconds)
Each day, answer: How did I do? Where were my priorities — present me or future me? Rate yourself and note one win and one adjustment.
Step 7 — Congruence Audit
Your environment, time, and appearance must match the identity you're claiming. Where are the gaps? Where are you faking it? List the areas that need to become congruent.
Step 8 — 3D Social
Social dopamine should come from real, 3D people — not social media. Who are the people in your physical life you'll invest in? What's one concrete step this week?
The real people I'm investing in
This week I will...
Home Plan
Target: $1.1M · Milton/Alpharetta · after SMB closes
Current Value
$600k
385 Duval Dr
Mortgage Bal
$395,311
3.625% fixed
Equity
$204,689
34% LTV
Down Pmt Source
✓ Covered
Sale ~$168k or HELOC $100k
New Home · $1.1M Target
Purchase Price
$1,100,000
Down Payment (10%)
$110,000
Loan · 10/1 ARM ~5.5%
$990,000
Monthly Payment
~$5,630
Down payment coverage (home sale net proceeds vs $110k needed)
Fully covered · sell Duval Dr (~$168k net) or draw HELOC ($100k) · execute after SMB closes
Scenarios · Current Home
| Scenario | Today | +1 Year | +2 Years | Monthly Pmt |
|---|---|---|---|---|
| Keep as-is | Equity $204k | Equity ~$234k | Equity ~$265k | $2,724 |
| Sell | Net ~$168k | Net ~$197k | Net ~$218k | $0 |
| Cash-out refi (80% LTV) | Cash out ~$85k | Cash out ~$100k | Cash out ~$125k | ~$2,900+ |
Milestones
Fun Purchases
The rewards — after the work is done
${[['🏎️','Porsche 911','Car','$60,000','#EBF0FF'],['🚙','Mercedes G-Wagon','Car','$80,000','#EBF0FF'],['⌚','Rolex Submariner 116600','Watch','$13,000','#E9F8F1'],['⌚','Rolex Milgauss','Watch','$11,000','#E9F8F1'],['🛳️','Alaska Cruise','Travel','$7–10k','#FEF3E4'],['✈️','England / Scotland','Travel','$10,000','#FEF3E4']].map(([icon,name,cat,price,bg])=>`
`).join('')}
${name}
${cat}${price}
Total
$181–184k
Workouts
Google Sheets · 41 sessions · Oct 2025 – Jun 2026
Current Weight
211 lbs
↓ 12 lbs lost
Goal: 195 lbs · 16 to go
Start ~223 lbsGoal 195 lbs
43% to goal · ~16 weeks at 1 lb/week pace
Sessions
41
Oct 2025–Jun 2026
Avg Volume
29.0k
lbs per session
PR Session
52.8k
May 8, 2026
Total Lifted
1.19M
lbs all-time
Volume Trend
Last Workout
Legs · Triceps · Biceps
Saturday, June 7 · 41,295 lbs total volume
45° Leg Press
5 sets · up to 505 lbs
Cable Pushdown
4 sets · up to 160 lbs
Supinated Cable Pulldown
6 sets · up to 195 lbs
Cable Curl
4 sets · up to 120 lbs
Log Workout
Business Credit Plan
Rabenson Group LLC · NAICS 541611 · Build credit for SBA + Ecom capital
Chase Ink
$34,357
0% until Aug 2026 · acquisition capital
Amex Biz Cash
$6,485
84.2% util — dangerously high
Amex Biz Plus
$2,293
17.5% util — ok
Ecom Capital
$273k
Chase+HELOC+401k+Amex+Cash
💡
Strategy: Chase Ink balance ($34,357 at 0% until Aug 2026) is intentional acquisition capital — not cash flow stress. Disclose this upfront to SBA lender with documentation. Personal credit is excellent.
Business Credit Checklist
Steps
Ecom Capital Stack — $273k
${[['Chase Biz Credit','$42,000','Available','green'],['HELOC (GA\'s Own + Fourleaf)','$100,000','Pending','amber'],['Fidelity 401k','$67,000','Pending','amber'],['Amex LOC','$110,000','Available','green'],['Cash','$10,000','Available','green'],['Total','$273,000','In progress','blue']].map(([n,a,s,c])=>`
`).join('')}
${n}
${a}${s}
Bank Relationships
Chase · Relationship Manager
Visit branch → ask banker to intro you to RM · mention high-NW colleagues
Bank of America
Open business checking account
Wells Fargo
Open business checking account
Decision Matrix
Score options, weight criteria, get a recommendation
Criteria + Weights (1–5)
Score Matrix (0–10)
Saved Decisions
No decisions saved yet.
Edit Data
Update balances and expenses — changes recalculate everything
Quick Update
Type or speak your updates — I'll find the right fields automatically.
Assets
Personal Debt Balances
Business Debt Balances
Monthly Expenses
Built with Claude · Robert Benson · 2026