Executive summary
September was a strong recovery month after the August travel spike. Income held steady at $14,200 while discretionary spending dropped 18%, lifting your savings rate to 32%. Net worth grew $9,400, driven primarily by mortgage paydown and a recovery in your brokerage account.
Financial score
82Income
$14,200
+2%
Spending
$9,640
−18%
Savings rate
32%
+9pp
Net worth
$612k
+$9.4k
What needs attention
- → Dining out remains your largest discretionary line ($1,420). Consider a $1,000 monthly cap.
- → HYSA balance grew to $42k — that's 8 months of expenses. Time to deploy ~$15k to the brokerage.
- → Auto loan payoff is 14 months away at current pace. Stay the course.
Coach notes
You asked about whether to accelerate the mortgage. Given your 3.1% rate and the brokerage opportunity, I'd hold the line. Let's revisit when we get the bonus picture in Q4.