Talk to Alfie

Hey Bubble! 👋 I've been analyzing your financial data and I have some insights to share. Your investment portfolio is performing well, with a 12% increase over the last quarter. I've also noticed that you're on track to meet your emergency fund goal by next month. Let me know if you'd like more detailed analysis or have any questions about your financial health.

Alfie • Updated just now

Dashboard

Bubble Yu

Strategic Balanced Planner

Tracking daily. Investing weekly.

Achievements

✨

Top 20% in tracking consistency

Logged spending data 15 days in a row, putting you in the top 20% of all users.

💬

80+ budgeting score for 3 months

You've maintained excellent budget discipline for a full quarter, spending less than planned in 8 out of 10 categories.

🏆

Saved 15% more than your peer group

Your savings rate of 22% is significantly higher than the average of 7% for users in your income bracket.

Financial Progress

Financial Health Score

Good

Budgeting

Savings

Investments

67.5

Tax & Insurance

Your Financial Goals

Emergency Fund

Progress65%

Overdue

Current

$6,500

Target

$10,000

Down Payment

Progress30%

Current

$15,000

Target

$50,000

1 months left

Debt Payoff

Progress63%

Overdue

Current

$5,000

Target

$8,000

Net Worth Overview

Your Net Worth

$298,750

+$4,750 (+1.6%) from last month

Personalized InsightsAI Powered

Diversify Your Portfolio (+18.5%)

Increase your exposure to international markets by allocating 15% of your investment portfolio to emerging market ETFs for better risk-adjusted returns.

Refinance Your Mortgage (-12.3%)

Save up to $450 monthly by taking advantage of current interest rates. Apply for refinancing with your current lender to reduce your debt-to-asset ratio below 45%.

Accelerate Your Wealth Growth (+25.7%)

Boost your monthly investment contributions by 10% to reach your $500K net worth goal six months earlier. Set up automatic transfers to your investment accounts to maintain consistency.

Net Worth Change (This Month)

+1.6%

Increased from last month

+$4,750

Cash

Asset

$42,500

+$1,200 (+2.9%)

1Y: +1.2%

Investments

Asset

$185,000

+$3,800 (+2.1%)

1Y: +12.8%

Real Estate

Asset

$320,000

-$750 (-0.2%)

1Y: +4.5%

Debt

Liability

$298,750

No change

1Y: 0%

Other Assets

Asset

$50,000

+$500 (+1.0%)

1Y: +2%

Key Highlights

💸

+12% MoM

You spent 12% more on dining this month

Dining Expenses

Dining costs up $34 to $320 this month, mostly from food delivery services.

Consider setting a budget alert for food delivery.

📈

+18.9% YoY

Your portfolio grew 18.9% YoY — outperforming S&P 500

Portfolio Performance

Tech and renewable energy stocks drove 18.9% growth, outperforming S&P 500's 12.3%.

Your diversification strategy is working well. Maintain current allocation.

🏦

70% Complete

Emergency fund is now 70% funded — nice progress!

Emergency Fund

$7,000 saved of $10,000 goal. At current rate, you'll reach target in 3 months.

Set up automatic transfers to accelerate progress.

📉

-$1,500

Credit card debt reduced by $1,500 this month

Debt Reduction

Credit card debt reduced from $7,500 to $6,000. On track to be debt-free in 4 months.

After debt payoff, redirect payments to investments.

Accounts

Cash

Checking Account

Chase Bank

$4,251

Updated 2 hours ago

Savings Account

Ally Bank

$12,751

Updated 1 day ago

Money Market Account

Vanguard

$25,000

Updated 3 days ago

Credit Cards

Sapphire Reserve

Chase

-$2,450

Updated 6 hours ago

Cash Rewards

Bank of America

-$751

Updated 1 day ago

Investments

Taxable Brokerage

Fidelity

$85,251

Updated 1 day ago

Roth IRA

Vanguard

$42,500

Updated 1 day ago

401(k)

Fidelity

$175,001

Updated 3 days ago

Assets

Life Insurance Cash Value

Northwestern Mutual

$35,000

Updated 30 days ago

Property

Primary Residence

$450,000

Updated 90 days ago

Stock Options

Employer

$75,000

Updated 45 days ago