Monthly reality check — income vs. expenses. Are you in surplus or shortfall?
A self-reported snapshot — accuracy depends on whether your inputs reflect real spending vs. what you think you spend. Run your last 3 months of credit-card and bank statements through a categorizer first. Watch for: irregular expenses (annual insurance, holidays, vehicle replacement), healthcare creep (deductibles, dental/vision not in Medicare), and home maintenance (budget ~1% of home value/year).
