Money Date — This Week's Actions

Live from M1 every run. What changed, what it means, what to do this week.

Live M1 pull this run. refreshed_at 2026-08-10T04:15:27.994096+00:00 (0.0 min old, limit 90 min) — live M1 pull OK (via /usr/bin/python3 subprocess; venv lacks cryptography). This page never reads cached M1 data: a failed or stale pull exits 2 and publishes nothing, leaving the last good page untouched. M1 access is READ-ONLY.

Where you stand right now

Account value

$116,137.60

Freedom Engine · live pie tree

Margin borrowed

$33,841.73

$80,349 still available

DTA

29.14%

guardrail ≤ 40%

Margin utilisation

41.12%

guardrail ≤ 60%

DSCR (last full month)

7.74

guardrail ≥ 2.0 · trailing avg 12.83

Analyzer score

5.74

target 6.5+ (Fynanc engine)

Do this — this week

Generated from the live numbers on this page against the Academy guardrails. Every item names the number that triggered it.

Review the return-of-capital block — 61.4% of weightPayout is outrunning earnings on BITO, PDI, BXSL. A distribution that is your own capital handed back does not build the engine.
Sanity-check the reported yield on QQQI, BITOThe data source returned a yield above the 50% sanity cap, so it is excluded from the headline. Confirm the real distribution rate before acting on it.
Analyzer score 5.74 is below the 6.5 targetThe Fynanc engine scores the pie on allocation fit, yield and volatility. Closing the Bedrock gap is the biggest single lever.
Draw headroom before the next cap: $131The next boundary a draw would touch is “Joseph personal DTA guardrail 30% (UNCONFIRMED)” (from the projection artifact, which labels each boundary's own status). Beyond it you are outside that band.

Guardrail check

Guardrail	Now	Academy limit	Status	Where it was taught
DTA (debt-to-asset)	29.14	≤ 40	OK	DTA (Debt-to-Asset) — PLEX Portfolio 2026-07-15 @ 41:00
Margin utilisation	41.12	≤ 60	OK	Margin utilization — PLEX Portfolio 2026-07-15 @ 1:21:25
DSCR (last full month)	7.74	≥ 2	OK	DSCR — PLEX Portfolio 2026-07-15 @ 48:58
Bedrock sleeve	65.35	≥ 65	OK	Bedrock allocation — PLEX Portfolio 2026-07-15 @ 27:14

Sleeve drift — target vs actual

Sleeve	Target	Actual	Drift	Value	$ to correct
Bedrock	65.0%	65.3%	+0.3%	$75,898.58	$406
Cash Flow	34.0%	33.7%	-0.3%	$39,154.50	$337
Hedge	1.0%	0.9%	-0.1%	$1,084.52	$82

Action trigger: any sleeve more than 3 percentage points off target. M1 slice NAMES are stale hand-typed labels and are ignored — the targets above are the live slice percentage fields.

Is the income real?

EARNED

32.1%

5 holdings · % of weight

MIXED

6.5%

2 holdings · % of weight

LIKELY-ROC

61.4%

10 holdings · % of weight

UNKNOWN

0.0%

0 holdings · % of weight

Ticker	Weight	Dist rate	1y total return	Why flagged
BITO	0.25%	46.17%	-46.16%	dist rate 46.2% exceeds total return -46.2% by 92.3pp — payout outran earnings (NAV-erosion signal)
PDI	5.10%	16.49%	-3.62%	dist rate 16.5% exceeds total return -3.6% by 20.1pp — payout outran earnings (NAV-erosion signal)
BXSL	13.00%	15.69%	-9.17%	dist rate 15.7% exceeds total return -9.2% by 24.9pp — payout outran earnings (NAV-erosion signal)
BIZD	13.00%	14.64%	-5.95%	dist rate 14.6% exceeds total return -6.0% by 20.6pp — payout outran earnings (NAV-erosion signal)
PBDC	9.75%	13.49%	-5.80%	dist rate 13.5% exceeds total return -5.8% by 19.3pp — payout outran earnings (NAV-erosion signal)

Forecast — what happens if you draw

Projection artifact as of 2026-08-04T14:08:13.937013+00:00 (5 days old) — produced by the Monday m1-weekly-analysis job (lib_margin_projection), not recomputed here.

Scenario: CASH WITHDRAWAL — drawn margin leaves the account; securities and therefore dividend income are unchanged. Margin rate 5.15%. M1’s own limits: “Withdraw up to” $56,741.14 · “Invest up to” $71,977.42.

Draw	Loan after	DTA	Util	Interest / mo	Interest / yr	DSCR	Band	Fall to margin call
$0	$33,887	29.88%	47.08%	$145.43	$1,745.18	6.99	CAUTION	58.7% ($66,592)
$131	$34,018	30.00%	47.26%	$145.99	$1,751.91	6.97	CAUTION	58.5% ($66,365)
$2,102	$35,989	31.74%	50.00%	$154.45	$1,853.42	6.59	CAUTION	56.1% ($63,642)
$5,000	$38,887	34.29%	54.03%	$166.89	$2,002.68	6.10	STRONG	52.6% ($59,672)
$5,800	$39,687	35.00%	55.14%	$170.32	$2,043.89	5.97	STRONG	51.6% ($58,537)
$9,299	$43,186	38.09%	60.00%	$185.34	$2,224.10	5.49	STRONG	47.4% ($53,773)
$10,000	$43,887	38.70%	60.97%	$188.35	$2,260.18	5.40	OVER-CAP	46.5% ($52,752)
$11,470	$45,357	40.00%	63.02%	$194.66	$2,335.88	5.23	OVER-CAP	44.8% ($50,823)
$15,000	$48,887	43.11%	67.92%	$209.81	$2,517.68	4.85	OVER-CAP	40.5% ($45,945)
$15,395	$49,283	43.46%	68.47%	$211.50	$2,538.05	4.81	OVER-CAP	40.0% ($45,378)
$20,000	$53,887	47.52%	74.87%	$231.27	$2,775.18	4.40	OVER-CAP	34.4% ($39,025)
$22,854	$56,741	50.04%	78.83%	$243.51	$2,922.17	4.18	OVER-CAP	30.9% ($35,054)

Headroom: the next guardrail you would touch is Joseph personal DTA guardrail 30% (UNCONFIRMED) at a draw of $131.

Already beyond: DEFENSIVE DTA cap 25%, DEFENSIVE UTIL cap 40%.

Dividends / mo (basis)

$1,017.29

2026-07 — latest complete month

Conservative basis

$1,009.45

2026-06

Forward income / yr

$12,207.48

at today’s holdings

Interest cost / yr

$1,745.18

at today’s loan

Net income / yr

$10,462.30

income minus margin interest

Break-even dividends

$487.03

monthly, at max draw

DSCR by month

DSCR = dividends ÷ margin interest, per calendar month. Source: M1 GraphQL activity + billing statements, as of 2026-08-04T14:06:13Z.

Month	Dividends	Interest	DSCR	Note
2026-02	$25.86	$1.13	22.88	statement
2026-03	$52.33	$1.95	26.84	statement
2026-04	$49.18	$21.06	2.34	statement
2026-05	$764.51	$91.46	8.36	statement
2026-06	$1,009.45	$114.33	8.83	statement
2026-07	$1,017.29	$131.37	7.74	statement
2026-08	$134.03	$14.63	9.16	billUpcoming (in-progress) · in progress

Every holding

Allocations are from today’s live pull. Market metrics are carried from the last Ticker Deep Dive (2026-08-10, mode full) and are rendered with THAT date — never presented as current.

Ticker	Weight	Yield	Bucket	Income quality
BXSL Blackstone Secured Lending Fund of Beneficial Interest	13.00%	12.55%	Cash Flow	LIKELY-ROC
BIZD VanEck Vectors BDC Income ETF	13.00%	12.29%	Cash Flow	LIKELY-ROC
PBDC Putnam BDC Income ETF	9.75%	11.60%	Cash Flow	LIKELY-ROC
ARCC Ares Capital Corporation	9.75%	9.60%	Cash Flow	LIKELY-ROC
GBDC Golub Capital BDC Inc.	9.75%	10.02%	Cash Flow	LIKELY-ROC
SPYI NEOS S&P 500 High Income ETF	8.50%	2.42%	Cash Flow	EARNED
QQQI NEOS Nasdaq 100 High Income ETF	8.50%	129.00% ⚠	Cash Flow	EARNED
JEPQ JPMorgan Nasdaq Equity Premium Income ETF	8.50%	10.76%	Cash Flow	EARNED
PDI PIMCO Dynamic Income Fund	5.10%	16.46%	Cash Flow	LIKELY-ROC
JEPI JPMorgan Equity Premium Income ETF	3.40%	7.97%	Cash Flow	EARNED
SRLN SPDR Blackstone / GSO Senior Loan ETF	3.25%	7.38%	Bedrock	MIXED
JAAA Janus Henderson AAA CLO ETF	3.25%	5.35%	Bedrock	EARNED
BKLN Invesco Senior Loan ETF	3.25%	6.51%	Bedrock	MIXED
SH ProShares Short S&P500	0.25%	4.19%	Cash Flow	LIKELY-ROC
PSQ ProShares Short QQQ	0.25%	4.26%	Cash Flow	LIKELY-ROC
TAIL Cambria Tail Risk ETF	0.25%	2.99%	Cash Flow	LIKELY-ROC
BITO ProShares Bitcoin ETF	0.25%	61.68% ⚠	Cash Flow	LIKELY-ROC

Where every number comes from

Block	Source	As of
Live M1 pull (gate)	plex_compare_refresh.require_fresh_m1() → m1_holdings_refresh (curl_cffi impersonate=chrome, READ-ONLY)	2026-08-10T04:15:27.994096+00:00
Holdings / weights / sleeves	data/plex-review/compare-all.json	2026-08-10
Margin & account totals	data/m1-holdings-live.json	2026-08-10T04:15:27.994096+00:00
DSCR by month	data/plex-flow/m1-dscr-monthly.json	2026-08-04T14:06:13Z
Forecast / draw ladder	data/plex-flow/m1-margin-projection.json	2026-08-04T14:08:13.937013+00:00
Guardrail limits	config/fynanc-four-pages.json ← data/fynanc-academy/glossary-evolution.json	per-term — see the Academy page
Market metrics	carried from the monthly Ticker Deep Dive	2026-08-10

Built Aug 09, 2026 23:15 CT by tools/fynanc_four_pages.py. Rides the weekly Pie Pull (plex-compare-allocation-refresh). Read-only on M1.