Agent: Argentum
Net Worth
€42,140
+€2,340 MTD
Liquid Balance
€8,450
Cash + checking
Cashflow MTD
-€340
€5,340 in / €5,680 out
Savings Rate MTD
23%
Target: 30%
7-Day Daily Spending
Sunday spike: €340 (restaurants + entertainment)
Medium Impact Sphere — Finance is weighted at 18% of your Life Score.
Sensitivity: +10 Finance stability → +1.8 Life Score
Current role: Active drag — Negative cashflow and missed savings target reducing Life Score by ~0.5 points
Trigger: Spending exceeded income MTD by €340. Savings rate 23% vs 30% target.
Evidence: Restaurant spending +€180 vs last month. 2 unexpected purchases (€160 total). Income unchanged at €5,340.
Interpretation: Discretionary spending drift. No emergency or justified variance. Pattern forming.
→ Suggested action: Set €150/week discretionary cap for next 4 weeks OR reduce restaurant budget by €50/week.
Saturday + Sunday: €485 vs €120 avg weekday. Restaurants €240, Entertainment €180, Transport €65.
→ Consider: pre-set weekend budget OR plan 1 stay-home weekend/month
Netflix €14, Spotify €10, ChatGPT Plus €20, iCloud €3, Gym €45, Amazon Prime €8, NYT €17, Medium €5. 3 unused in last 30 days.
→ Review: Medium, Amazon Prime, NYT (unused). Potential save: €30/month
MTD discretionary: €1,240 vs €920 avg. Main drivers: dining out (€520), gadgets (€160), clothing (€140). No major event justification.
→ Action: Set Revolut spending limit €150/week OR track discretionary daily for 14 days
€5,340 monthly (±2% variance). Consulting contracts renewed. No volatility risk. Strong foundation for savings plan.
→ Opportunity: Income stable, focus on expense control to hit 30% savings rate
Dining: €520 vs €350 target (+49%). Entertainment: €280 vs €200 (+40%). Transport: €180 vs €150 (+20%). Housing, utilities on target.
→ Suggested: Tighten dining + entertainment for next 2 weeks to compensate
Current: €42,140. Target: €50k. Gap: €7,860. Monthly growth avg: €1,240. Timeline: 6.3 months at current rate (July target achievable).
→ Priority: Maintain income, control spending to preserve trajectory
2 hours ago
Cashflow red. €340 over budget MTD. Dining €520 vs €350 target. 3 unused subscriptions draining €30/month. ONE ACTION: pause 1 subscription today.
Yesterday
Weekend spending spike: €485. Pattern forming (3 weekends). Suggest: pre-set €200 weekend budget via Revolut limit.