{
  "exportedAt": "2026-06-23T06:42:18.580Z",
  "schemaVersion": 1,
  "settings": [
    {
      "id": 1,
      "paycheckBaseline": 862.64,
      "paycheckCurrent": 862.64,
      "shockBufferTarget": 1500,
      "independencePhase2Threshold": 6000,
      "independenceTarget": 10000,
      "therapySessionCost": 175,
      "therapySessionFrequency": "biweekly",
      "therapyDefaultPaySource": "bills",
      "charityRate": 0.1,
      "charityMode": "active",
      "treatPerPaycheck": 25,
      "treatRateExtraIncome": 0.1,
      "billsAllocation": 550,
      "shockBufferAllocation": 50,
      "independenceAllocation": 100,
      "freeSpendTarget": 95,
      "investRate": 0.1,
      "investSplitsJson": "{\"sp500\":0.70,\"tesla\":0.15,\"bitcoin\":0.10,\"conviction\":0.05}",
      "shortfallOrderJson": "[\"invest\",\"independence\",\"free_spend\"]",
      "floorsJson": "{\"invest_floor\":50,\"independence_floor\":50,\"free_spend_floor\":70}",
      "updatedAt": "2026-05-01T19:16:54.323Z"
    }
  ],
  "accounts": [
    {
      "id": 1,
      "key": "chase_checking",
      "name": "Chase Checking",
      "accountType": "checking",
      "provider": "Chase",
      "currentBalance": 3280.7799999999997,
      "target": null,
      "notes": "Paycheck lands here. Daily card paid from here.",
      "displayOrder": 10,
      "updatedAt": "2026-05-18T04:50:46.317Z"
    },
    {
      "id": 2,
      "key": "chase_credit",
      "name": "Chase Credit Card",
      "accountType": "credit",
      "provider": "Chase",
      "currentBalance": 5.3,
      "target": null,
      "notes": "Vacation balance. Pay off from Shock Buffer.",
      "displayOrder": 20,
      "updatedAt": "2026-04-24T23:03:15.692Z"
    },
    {
      "id": 3,
      "key": "pnc_spend",
      "name": "PNC Spend (Bills)",
      "accountType": "bills",
      "provider": "PNC",
      "currentBalance": 1121.9099999999999,
      "target": null,
      "notes": "All fixed bills paid from here. Post-ticket, post-lawyer.",
      "displayOrder": 30,
      "updatedAt": "2026-05-18T04:50:13.966Z"
    },
    {
      "id": 4,
      "key": "shock_buffer",
      "name": "Shock Buffer",
      "accountType": "bucket",
      "provider": "PNC Reserve",
      "currentBalance": 1187.86,
      "target": 1500,
      "notes": "Over target: holds tax refund + Dad's $300 gift.",
      "displayOrder": 40,
      "updatedAt": "2026-05-18T04:50:46.350Z"
    },
    {
      "id": 5,
      "key": "independence",
      "name": "Independence Fund",
      "accountType": "bucket",
      "provider": "Ally",
      "currentBalance": 225,
      "target": 15000,
      "notes": "Move-out + 3-4mo real life cushion. Phase 2 at $6,000.",
      "displayOrder": 50,
      "updatedAt": "2026-04-24T22:42:50.375Z"
    },
    {
      "id": 6,
      "key": "ally_treat",
      "name": "Treat",
      "accountType": "bucket",
      "provider": "Ally",
      "currentBalance": 20,
      "target": null,
      "notes": "Real treats only. No toothpaste.",
      "displayOrder": 60,
      "updatedAt": "2026-04-24T22:42:50.375Z"
    },
    {
      "id": 7,
      "key": "ally_charity",
      "name": "Charity",
      "accountType": "bucket",
      "provider": "Ally",
      "currentBalance": 1160,
      "target": null,
      "notes": "Holds tracked-but-unpaid Maaser.",
      "displayOrder": 70,
      "updatedAt": "2026-04-24T22:42:50.459Z"
    },
    {
      "id": 8,
      "key": "therapy_fund",
      "name": "Therapy Fund",
      "accountType": "bucket",
      "provider": "Ally",
      "currentBalance": 0,
      "target": null,
      "notes": "Pre-funded therapy money from windfalls. $3,200 inbound from school back pay.",
      "displayOrder": 75,
      "updatedAt": "2026-04-24T22:42:50.459Z"
    },
    {
      "id": 9,
      "key": "ally_clothing",
      "name": "Clothing",
      "accountType": "bucket",
      "provider": "Ally",
      "currentBalance": 40,
      "target": null,
      "notes": null,
      "displayOrder": 80,
      "updatedAt": "2026-04-24T22:42:50.459Z"
    },
    {
      "id": 10,
      "key": "ally_vacations",
      "name": "Vacations",
      "accountType": "bucket",
      "provider": "Ally",
      "currentBalance": 35,
      "target": null,
      "notes": null,
      "displayOrder": 90,
      "updatedAt": "2026-04-24T22:42:50.459Z"
    },
    {
      "id": 11,
      "key": "webull_sp500",
      "name": "Webull — S&P 500",
      "accountType": "investment",
      "provider": "Webull",
      "currentBalance": 5000,
      "target": null,
      "notes": "Approximate. Includes legacy ARKK + mixed (stop new ARKK buys).",
      "displayOrder": 100,
      "updatedAt": "2026-04-24T22:42:50.459Z"
    },
    {
      "id": 12,
      "key": "webull_tesla",
      "name": "Webull — Tesla",
      "accountType": "investment",
      "provider": "Webull",
      "currentBalance": 0,
      "target": null,
      "notes": "Not yet separated out. TODO: add Tesla auto-buy at 15%.",
      "displayOrder": 110,
      "updatedAt": "2026-04-24T22:42:50.459Z"
    },
    {
      "id": 13,
      "key": "webull_conviction",
      "name": "Webull — Conviction",
      "accountType": "investment",
      "provider": "Webull",
      "currentBalance": 0,
      "target": null,
      "notes": "Manual, capped at 5% of total portfolio.",
      "displayOrder": 120,
      "updatedAt": "2026-04-24T22:42:50.541Z"
    },
    {
      "id": 14,
      "key": "coinbase",
      "name": "Coinbase (BTC)",
      "accountType": "investment",
      "provider": "Coinbase",
      "currentBalance": 212,
      "target": null,
      "notes": "Daily DCA, 10% of invest allocation.",
      "displayOrder": 130,
      "updatedAt": "2026-04-24T22:42:50.541Z"
    }
  ],
  "bills": [
    {
      "id": 1,
      "name": "Car payment (Chase)",
      "monthlyAmount": 536.1,
      "category": "auto",
      "active": true,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 2,
      "name": "Car insurance (State Farm)",
      "monthlyAmount": 227.58,
      "category": "auto",
      "active": true,
      "notes": "Shop around — possibly high",
      "lastUpdated": "2026-05-13T21:29:39.947Z",
      "changeHistoryJson": "[{\"date\":1778707779947,\"from\":266.53,\"to\":227.58}]"
    },
    {
      "id": 3,
      "name": "Tesla charging (avg)",
      "monthlyAmount": 100,
      "category": "auto",
      "active": true,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 4,
      "name": "EZPass (avg)",
      "monthlyAmount": 80,
      "category": "auto",
      "active": true,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 5,
      "name": "Phone (Zelle)",
      "monthlyAmount": 53,
      "category": "utilities",
      "active": true,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 6,
      "name": "Amazon Prime",
      "monthlyAmount": 16.25,
      "category": "subscriptions",
      "active": true,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 7,
      "name": "Meds",
      "monthlyAmount": 0,
      "category": "health",
      "active": false,
      "notes": null,
      "lastUpdated": "2026-05-18T04:46:26.599Z",
      "changeHistoryJson": "[{\"date\":1779079582222,\"from\":14,\"to\":0}]"
    },
    {
      "id": 8,
      "name": "Wells Fargo payoff",
      "monthlyAmount": 28.19,
      "category": "debt",
      "active": false,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 9,
      "name": "PNC account fee",
      "monthlyAmount": 7,
      "category": "banking",
      "active": false,
      "notes": null,
      "lastUpdated": "2026-04-24T22:42:50.625Z",
      "changeHistoryJson": "[]"
    },
    {
      "id": 10,
      "name": "Therapy",
      "monthlyAmount": 0,
      "category": "health",
      "active": false,
      "notes": "IFS/somatic, $200/session × 4.33/mo",
      "lastUpdated": "2026-04-24T22:54:04.710Z",
      "changeHistoryJson": "[{\"date\":1777071244710,\"from\":866,\"to\":0}]"
    }
  ],
  "charity_entries": [
    {
      "id": 1,
      "date": "2026-04-24T22:42:50.375Z",
      "direction": "owed",
      "amount": 2352.86,
      "sourceOrRecipient": "Spreadsheet import (2026-04-20)",
      "notes": "Opening Maaser balance imported from Spending Plan spreadsheet. Historical give/owed entries not ported; $1,160 earmarked in Ally Charity.",
      "settled": false,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T22:42:50.961Z"
    },
    {
      "id": 2,
      "date": "2026-03-10T00:00:00.000Z",
      "direction": "owed",
      "amount": 33.2,
      "sourceOrRecipient": null,
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 3,
      "date": "2026-03-20T00:00:00.000Z",
      "direction": "owed",
      "amount": 89,
      "sourceOrRecipient": null,
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 4,
      "date": "2026-03-24T00:00:00.000Z",
      "direction": "owed",
      "amount": 24,
      "sourceOrRecipient": null,
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 5,
      "date": "2026-04-04T00:00:00.000Z",
      "direction": "owed",
      "amount": 89,
      "sourceOrRecipient": null,
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 6,
      "date": "2026-04-08T00:00:00.000Z",
      "direction": "owed",
      "amount": 91.7,
      "sourceOrRecipient": "Tax Refund - Cost",
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 7,
      "date": "2026-04-14T00:00:00.000Z",
      "direction": "owed",
      "amount": 10.5,
      "sourceOrRecipient": "Ohr Layelodim",
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 8,
      "date": "2026-04-17T00:00:00.000Z",
      "direction": "owed",
      "amount": 87,
      "sourceOrRecipient": null,
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:17:22.000Z"
    },
    {
      "id": 9,
      "date": "2026-04-23T00:00:00.000Z",
      "direction": "owed",
      "amount": 18,
      "sourceOrRecipient": null,
      "notes": null,
      "settled": true,
      "linkedTransactionId": null,
      "createdAt": "2026-04-24T23:20:15.562Z"
    },
    {
      "id": 10,
      "date": "2026-04-02T00:00:00.000Z",
      "direction": "owed",
      "amount": 300,
      "sourceOrRecipient": "Extra income 10% — Back pay",
      "notes": null,
      "settled": true,
      "linkedTransactionId": 1,
      "createdAt": "2026-05-01T13:58:59.368Z"
    },
    {
      "id": 11,
      "date": "2026-04-30T00:00:00.000Z",
      "direction": "owed",
      "amount": 300,
      "sourceOrRecipient": "Extra income 10%",
      "notes": null,
      "settled": true,
      "linkedTransactionId": 2,
      "createdAt": "2026-05-01T19:12:23.620Z"
    },
    {
      "id": 12,
      "date": "2026-05-01T00:00:00.000Z",
      "direction": "owed",
      "amount": 86.26,
      "sourceOrRecipient": "Paycheck 10%",
      "notes": null,
      "settled": false,
      "linkedTransactionId": 3,
      "createdAt": "2026-05-01T19:59:26.944Z"
    },
    {
      "id": 13,
      "date": "2026-05-18T00:00:00.000Z",
      "direction": "owed",
      "amount": 86.26,
      "sourceOrRecipient": "Paycheck 10%",
      "notes": null,
      "settled": false,
      "linkedTransactionId": 4,
      "createdAt": "2026-05-18T04:48:52.963Z"
    }
  ],
  "checklists": [
    {
      "id": 1,
      "transactionId": 1,
      "completedAt": null,
      "createdAt": "2026-05-01T13:58:59.315Z"
    },
    {
      "id": 2,
      "transactionId": 2,
      "completedAt": null,
      "createdAt": "2026-05-01T19:12:23.580Z"
    },
    {
      "id": 3,
      "transactionId": 3,
      "completedAt": null,
      "createdAt": "2026-05-01T19:59:26.909Z"
    },
    {
      "id": 4,
      "transactionId": 4,
      "completedAt": null,
      "createdAt": "2026-05-18T04:48:52.923Z"
    }
  ],
  "checklist_steps": [
    {
      "id": 1,
      "checklistId": 1,
      "stepOrder": 0,
      "description": "Extra income arrives: $3,000.00 — Back pay",
      "expectedTransferAmount": 3000,
      "fromAccountId": null,
      "toAccountId": 1,
      "expectedBalanceAfter": 3018.14,
      "actualBalanceAfter": null,
      "status": "completed",
      "completedAt": "2026-05-01T13:59:12.087Z",
      "notes": null
    },
    {
      "id": 2,
      "checklistId": 1,
      "stepOrder": 1,
      "description": "Log $300.00 Maaser owed (10% off top, tracker mode)",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 3,
      "checklistId": 1,
      "stepOrder": 2,
      "description": "Transfer $135.00 Chase → Treat (lifestyle boost)",
      "expectedTransferAmount": 135,
      "fromAccountId": 1,
      "toAccountId": 6,
      "expectedBalanceAfter": 155,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 4,
      "checklistId": 1,
      "stepOrder": 3,
      "description": "$135.00 stays in Chase as Free Spend boost",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 5,
      "checklistId": 1,
      "stepOrder": 4,
      "description": "Transfer $362.14 Chase → Shock Buffer (fill to target)",
      "expectedTransferAmount": 362.14,
      "fromAccountId": 1,
      "toAccountId": 4,
      "expectedBalanceAfter": 1500,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 6,
      "checklistId": 1,
      "stepOrder": 5,
      "description": "Transfer $2,067.86 Chase → Independence (Phase 1)",
      "expectedTransferAmount": 2067.86,
      "fromAccountId": 1,
      "toAccountId": 5,
      "expectedBalanceAfter": 2292.86,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 7,
      "checklistId": 2,
      "stepOrder": 0,
      "description": "Extra income arrives: $3,000.00 — extra",
      "expectedTransferAmount": 3000,
      "fromAccountId": null,
      "toAccountId": 1,
      "expectedBalanceAfter": 6018.139999999999,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 8,
      "checklistId": 2,
      "stepOrder": 1,
      "description": "Log $300.00 Maaser owed (10% off top, tracker mode)",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 9,
      "checklistId": 2,
      "stepOrder": 2,
      "description": "Transfer $135.00 Chase → Treat (lifestyle boost)",
      "expectedTransferAmount": 135,
      "fromAccountId": 1,
      "toAccountId": 6,
      "expectedBalanceAfter": 155,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 10,
      "checklistId": 2,
      "stepOrder": 3,
      "description": "$135.00 stays in Chase as Free Spend boost",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 11,
      "checklistId": 2,
      "stepOrder": 4,
      "description": "Transfer $362.14 Chase → Shock Buffer (fill to target)",
      "expectedTransferAmount": 362.14,
      "fromAccountId": 1,
      "toAccountId": 4,
      "expectedBalanceAfter": 1500,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 12,
      "checklistId": 2,
      "stepOrder": 5,
      "description": "Transfer $2,067.86 Chase → Independence (Phase 1)",
      "expectedTransferAmount": 2067.86,
      "fromAccountId": 1,
      "toAccountId": 5,
      "expectedBalanceAfter": 2292.86,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 13,
      "checklistId": 3,
      "stepOrder": 0,
      "description": "Paycheck arrives: $862.64 → Chase Checking",
      "expectedTransferAmount": 862.64,
      "fromAccountId": null,
      "toAccountId": 1,
      "expectedBalanceAfter": 3880.7799999999997,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 14,
      "checklistId": 3,
      "stepOrder": 1,
      "description": "Transfer $550.00 Chase → PNC Spend (Bills)",
      "expectedTransferAmount": 550,
      "fromAccountId": 1,
      "toAccountId": 3,
      "expectedBalanceAfter": 1121.9099999999999,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 15,
      "checklistId": 3,
      "stepOrder": 2,
      "description": "Transfer $50.00 Chase → Shock Buffer",
      "expectedTransferAmount": 50,
      "fromAccountId": 1,
      "toAccountId": 4,
      "expectedBalanceAfter": 1187.86,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 16,
      "checklistId": 3,
      "stepOrder": 3,
      "description": "Transfer $50.00 Chase → Independence Fund",
      "expectedTransferAmount": 50,
      "fromAccountId": 1,
      "toAccountId": 5,
      "expectedBalanceAfter": 275,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 17,
      "checklistId": 3,
      "stepOrder": 4,
      "description": "Transfer $35.00 Chase → Webull (S&P auto-buy)",
      "expectedTransferAmount": 35,
      "fromAccountId": 1,
      "toAccountId": 11,
      "expectedBalanceAfter": 5035,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 18,
      "checklistId": 3,
      "stepOrder": 5,
      "description": "Transfer $7.50 Chase → Webull (Tesla auto-buy)",
      "expectedTransferAmount": 7.5,
      "fromAccountId": 1,
      "toAccountId": 12,
      "expectedBalanceAfter": 7.5,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 19,
      "checklistId": 3,
      "stepOrder": 6,
      "description": "Transfer $5.00 Chase → Coinbase (BTC DCA)",
      "expectedTransferAmount": 5,
      "fromAccountId": 1,
      "toAccountId": 14,
      "expectedBalanceAfter": 217,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 20,
      "checklistId": 3,
      "stepOrder": 7,
      "description": "Earmark $2.50 in Chase for Conviction (monthly deploy)",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 21,
      "checklistId": 3,
      "stepOrder": 8,
      "description": "Transfer $25.00 Chase → Treat",
      "expectedTransferAmount": 25,
      "fromAccountId": 1,
      "toAccountId": 6,
      "expectedBalanceAfter": 45,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 22,
      "checklistId": 3,
      "stepOrder": 9,
      "description": "Transfer $86.26 Chase → Charity",
      "expectedTransferAmount": 86.26,
      "fromAccountId": 1,
      "toAccountId": 7,
      "expectedBalanceAfter": 1246.26,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 23,
      "checklistId": 3,
      "stepOrder": 10,
      "description": "$70.00 stays in Chase as free spend",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 24,
      "checklistId": 3,
      "stepOrder": 11,
      "description": "⚠️ Shortfall of $129.88 absorbed by cascade (invest: -$36.26, independence: -$50.00, free_spend: -$25.00)",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 25,
      "checklistId": 4,
      "stepOrder": 0,
      "description": "Paycheck arrives: $862.64 → Chase Checking",
      "expectedTransferAmount": 862.64,
      "fromAccountId": null,
      "toAccountId": 1,
      "expectedBalanceAfter": 3880.7799999999997,
      "actualBalanceAfter": 863.32,
      "status": "discrepancy",
      "completedAt": "2026-05-18T04:49:26.825Z",
      "notes": "Expected 3880.78, got 863.32"
    },
    {
      "id": 26,
      "checklistId": 4,
      "stepOrder": 1,
      "description": "Transfer $550.00 Chase → PNC Spend (Bills)",
      "expectedTransferAmount": 550,
      "fromAccountId": 1,
      "toAccountId": 3,
      "expectedBalanceAfter": 1121.9099999999999,
      "actualBalanceAfter": 111.83,
      "status": "discrepancy",
      "completedAt": "2026-05-18T04:50:13.986Z",
      "notes": "Expected 1121.91, got 111.83"
    },
    {
      "id": 27,
      "checklistId": 4,
      "stepOrder": 2,
      "description": "Transfer $50.00 Chase → Shock Buffer",
      "expectedTransferAmount": 50,
      "fromAccountId": 1,
      "toAccountId": 4,
      "expectedBalanceAfter": 1187.86,
      "actualBalanceAfter": 1325,
      "status": "discrepancy",
      "completedAt": "2026-05-18T04:50:46.368Z",
      "notes": "Expected 1187.86, got 1325.00"
    },
    {
      "id": 28,
      "checklistId": 4,
      "stepOrder": 3,
      "description": "Transfer $50.00 Chase → Independence Fund",
      "expectedTransferAmount": 50,
      "fromAccountId": 1,
      "toAccountId": 5,
      "expectedBalanceAfter": 275,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 29,
      "checklistId": 4,
      "stepOrder": 4,
      "description": "Transfer $35.00 Chase → Webull (S&P auto-buy)",
      "expectedTransferAmount": 35,
      "fromAccountId": 1,
      "toAccountId": 11,
      "expectedBalanceAfter": 5035,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 30,
      "checklistId": 4,
      "stepOrder": 5,
      "description": "Transfer $7.50 Chase → Webull (Tesla auto-buy)",
      "expectedTransferAmount": 7.5,
      "fromAccountId": 1,
      "toAccountId": 12,
      "expectedBalanceAfter": 7.5,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 31,
      "checklistId": 4,
      "stepOrder": 6,
      "description": "Transfer $5.00 Chase → Coinbase (BTC DCA)",
      "expectedTransferAmount": 5,
      "fromAccountId": 1,
      "toAccountId": 14,
      "expectedBalanceAfter": 217,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 32,
      "checklistId": 4,
      "stepOrder": 7,
      "description": "Earmark $2.50 in Chase for Conviction (monthly deploy)",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 33,
      "checklistId": 4,
      "stepOrder": 8,
      "description": "Transfer $25.00 Chase → Treat",
      "expectedTransferAmount": 25,
      "fromAccountId": 1,
      "toAccountId": 6,
      "expectedBalanceAfter": 45,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 34,
      "checklistId": 4,
      "stepOrder": 9,
      "description": "Transfer $86.26 Chase → Charity",
      "expectedTransferAmount": 86.26,
      "fromAccountId": 1,
      "toAccountId": 7,
      "expectedBalanceAfter": 1246.26,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 35,
      "checklistId": 4,
      "stepOrder": 10,
      "description": "$70.00 stays in Chase as free spend",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 36,
      "checklistId": 4,
      "stepOrder": 11,
      "description": "⚠️ Shortfall of $129.88 absorbed by cascade (invest: -$36.26, independence: -$50.00, free_spend: -$25.00)",
      "expectedTransferAmount": null,
      "fromAccountId": null,
      "toAccountId": null,
      "expectedBalanceAfter": null,
      "actualBalanceAfter": null,
      "status": "pending",
      "completedAt": null,
      "notes": null
    }
  ],
  "expected_expenses": [
    {
      "id": 1,
      "dateCreated": "2026-04-24T22:42:50.880Z",
      "expectedDate": null,
      "amount": 381.05,
      "description": "Chase credit card (vacation spending)",
      "payFromAccountId": null,
      "status": "paid",
      "linkedTransactionId": null
    },
    {
      "id": 2,
      "dateCreated": "2026-04-24T22:42:50.880Z",
      "expectedDate": null,
      "amount": 250,
      "description": "Tax preparer (charged to card via friend)",
      "payFromAccountId": null,
      "status": "paid",
      "linkedTransactionId": null
    },
    {
      "id": 3,
      "dateCreated": "2026-04-24T22:42:50.880Z",
      "expectedDate": null,
      "amount": null,
      "description": "Traffic ticket — amount TBD",
      "payFromAccountId": null,
      "status": "pending",
      "linkedTransactionId": null
    }
  ],
  "ious": [
    {
      "id": 1,
      "dateCreated": "2026-04-24T22:42:50.796Z",
      "direction": "i_owe",
      "counterparty": "Dad",
      "amount": 300,
      "description": "Suit (funded by his gift in Shock Buffer)",
      "status": "resolved",
      "dateResolved": "2026-05-27T22:02:22.552Z"
    },
    {
      "id": 2,
      "dateCreated": "2026-04-24T22:42:50.796Z",
      "direction": "i_owe",
      "counterparty": "Friend",
      "amount": 240,
      "description": "Suit purchase, paid from PNC Reserve",
      "status": "resolved",
      "dateResolved": "2026-05-01T19:18:06.384Z"
    },
    {
      "id": 3,
      "dateCreated": "2026-04-24T22:42:50.796Z",
      "direction": "owed_to_me",
      "counterparty": "The Village",
      "amount": 180,
      "description": "Trip reimbursement (self-drive, charging, EZPass — approximate)",
      "status": "resolved",
      "dateResolved": "2026-05-27T22:01:51.138Z"
    },
    {
      "id": 4,
      "dateCreated": "2026-04-24T22:42:50.796Z",
      "direction": "owed_to_me",
      "counterparty": "School (Cheder Chabad)",
      "amount": 3000,
      "description": "Back pay — amount pending confirmation",
      "status": "resolved",
      "dateResolved": "2026-05-27T22:00:30.360Z"
    },
    {
      "id": 5,
      "dateCreated": "2026-05-27T22:01:45.479Z",
      "direction": "owed_to_me",
      "counterparty": "Moshe Reichman",
      "amount": 145,
      "description": "Phone bill and cigs - 4 for keys",
      "status": "open",
      "dateResolved": null
    },
    {
      "id": 6,
      "dateCreated": "2026-05-27T22:02:12.644Z",
      "direction": "owed_to_me",
      "counterparty": "The village",
      "amount": 48.82,
      "description": "",
      "status": "open",
      "dateResolved": null
    },
    {
      "id": 7,
      "dateCreated": "2026-06-14T07:08:45.764Z",
      "direction": "owed_to_me",
      "counterparty": "Mendel B",
      "amount": 102.59,
      "description": "Suitcase",
      "status": "open",
      "dateResolved": null
    }
  ],
  "tasks": [
    {
      "id": 1,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Pull pay stub, investigate $862.64 vs $890 withholding change",
      "priority": "high",
      "dueDate": null,
      "status": "done",
      "completedAt": "2026-04-24T23:16:12.851Z",
      "notes": null
    },
    {
      "id": 2,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Create ssa.gov account",
      "priority": "medium",
      "dueDate": null,
      "status": "open",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 3,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Calculate trip reimbursement from The Village (self-drive $100 + charging + EZPass, look up dates)",
      "priority": "medium",
      "dueDate": null,
      "status": "open",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 4,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Confirm school back pay final amount",
      "priority": "high",
      "dueDate": null,
      "status": "done",
      "completedAt": "2026-04-24T23:16:18.270Z",
      "notes": null
    },
    {
      "id": 5,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Update Webull: disable ARKK auto-buy, add Tesla auto-buy at 15%",
      "priority": "medium",
      "dueDate": null,
      "status": "done",
      "completedAt": "2026-04-24T23:16:20.090Z",
      "notes": null
    },
    {
      "id": 6,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Shop car insurance (State Farm at $266/mo may be high)",
      "priority": "low",
      "dueDate": null,
      "status": "open",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 7,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Ask rav about Maaser direction for therapy",
      "priority": "high",
      "dueDate": null,
      "status": "open",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 8,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Call Nefesh, Ohel, Relief about subsidy options",
      "priority": "high",
      "dueDate": null,
      "status": "open",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 9,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Check Volta income at 3-month mark from first therapy session",
      "priority": "medium",
      "dueDate": null,
      "status": "open",
      "completedAt": null,
      "notes": null
    },
    {
      "id": 10,
      "dateCreated": "2026-04-24T22:42:50.710Z",
      "description": "Confirm therapist rate agreement ($200/session weekly)",
      "priority": "high",
      "dueDate": null,
      "status": "done",
      "completedAt": "2026-04-24T23:17:52.233Z",
      "notes": null
    }
  ],
  "therapy_sessions": [
    {
      "id": 1,
      "date": "2026-04-24T00:00:00.000Z",
      "amount": 175,
      "paySource": "bills",
      "notes": "",
      "createdAt": "2026-04-24T23:14:32.473Z"
    }
  ],
  "transactions": [
    {
      "id": 1,
      "date": "2026-04-02T00:00:00.000Z",
      "type": "extra_income",
      "grossAmount": 3000,
      "description": "Back pay",
      "source": "",
      "allocationsJson": "{\"gross\":3000,\"charity\":300,\"charityMode\":\"tracked\",\"afterCharity\":2700,\"lifestyleBoost\":270,\"treatPortion\":135,\"freeSpendPortion\":135,\"afterBoost\":2430,\"toShockBuffer\":362.14,\"afterShock\":2067.86,\"toIndependence\":2067.86,\"toInvest\":0,\"investSp500\":0,\"investTesla\":0,\"investBitcoin\":0,\"investConviction\":0,\"toTherapyFund\":0,\"divertedFromLifestyle\":0,\"divertedFromPhase\":0,\"phase\":1}",
      "charityOwedAmount": 300,
      "notes": null,
      "createdAt": "2026-05-01T13:58:59.289Z"
    },
    {
      "id": 2,
      "date": "2026-04-30T00:00:00.000Z",
      "type": "extra_income",
      "grossAmount": 3000,
      "description": "Extra income",
      "source": "",
      "allocationsJson": "{\"gross\":3000,\"charity\":300,\"charityMode\":\"tracked\",\"afterCharity\":2700,\"lifestyleBoost\":270,\"treatPortion\":135,\"freeSpendPortion\":135,\"afterBoost\":2430,\"toShockBuffer\":362.14,\"afterShock\":2067.86,\"toIndependence\":2067.86,\"toInvest\":0,\"investSp500\":0,\"investTesla\":0,\"investBitcoin\":0,\"investConviction\":0,\"toTherapyFund\":0,\"divertedFromLifestyle\":0,\"divertedFromPhase\":0,\"phase\":1}",
      "charityOwedAmount": 300,
      "notes": null,
      "createdAt": "2026-05-01T19:12:23.560Z"
    },
    {
      "id": 3,
      "date": "2026-05-01T00:00:00.000Z",
      "type": "paycheck",
      "grossAmount": 862.64,
      "description": "Paycheck",
      "source": null,
      "allocationsJson": "{\"gross\":862.64,\"bills\":550,\"shockBuffer\":50,\"independence\":50,\"treat\":25,\"invest\":50,\"investSp500\":35,\"investTesla\":7.5,\"investBitcoin\":5,\"investConviction\":2.5,\"freeSpend\":70,\"charity\":86.26,\"charityMode\":\"active\",\"overflow\":0,\"reductions\":{\"invest\":36.26,\"independence\":50,\"free_spend\":25},\"totalAllocated\":881.26,\"shortfall\":129.88}",
      "charityOwedAmount": 86.26,
      "notes": null,
      "createdAt": "2026-05-01T19:59:26.891Z"
    },
    {
      "id": 4,
      "date": "2026-05-18T00:00:00.000Z",
      "type": "paycheck",
      "grossAmount": 862.64,
      "description": "Paycheck",
      "source": null,
      "allocationsJson": "{\"gross\":862.64,\"bills\":550,\"shockBuffer\":50,\"independence\":50,\"treat\":25,\"invest\":50,\"investSp500\":35,\"investTesla\":7.5,\"investBitcoin\":5,\"investConviction\":2.5,\"freeSpend\":70,\"charity\":86.26,\"charityMode\":\"active\",\"overflow\":0,\"reductions\":{\"invest\":36.26,\"independence\":50,\"free_spend\":25},\"totalAllocated\":881.26,\"shortfall\":129.88}",
      "charityOwedAmount": 86.26,
      "notes": null,
      "createdAt": "2026-05-18T04:48:52.707Z"
    }
  ]
}