SSeyi Life OS

Domain trends

Last 30 days vs the 30 before
🙏 3 hours prayer0% → 0
📖 Bible nourishment0% → 0
💼 Top work priorities0% → 0
🎷 Sax / scheduled development0% → 0
❤️ Meaningful family connection0% → 0
🏃 Movement / exercise0% → 0
💰 Spending within plan0% → 0
😴 Sleep / recovery target0% → 0

Measurement shifts from effort to results. Trend beats isolated number.

Weekly habits

Targets
3-hour prayer days0/7
Bible nourishment0/6
Sax sessions0/5
Movement0/4

Debt position

Update as balances change

IRS

Started at $88,500 · → no change yet

Car

Started at $27,500 · → no change yet

Mortgage

Started at $285,000 · → no change yet

Total debt

$401,000

Reduced so far

$0

Emergency fund

Do not accelerate the mortgage simply because the balance is largest. Rates, tax requirements, liquidity and risk matter. This is organisational guidance, not tax, legal or investment advice.

Money waterfall

Order of priority
  1. 1Income
  2. 2Required household expenses
  3. 3Current tax obligations
  4. 4Minimum debt payments
  5. 5Starter emergency reserve
  6. 6Highest-priority accelerated debt
  7. 7Longer-term savings and investing

Music income

Never 'money to spend'

Music revenue this month

  1. 1Gross booking revenue
  2. 2Taxes reserve
  3. 3Musicians and team
  4. 4Travel
  5. 5Business expenses
  6. 6Equipment and marketing
  7. 7Personal compensation
  8. 8Debt acceleration
  9. 9Business reserve

Still missing

Before any payoff schedule
  • Monthly take-home income
  • Average music income
  • Wife's contribution if finances are combined
  • IRS payment-plan terms
  • IRS penalties and interest position
  • Car minimum payment and APR
  • Mortgage payment, APR and remaining term
  • All household expenses
  • Other debts
  • Savings and retirement contributions

Until these are known, follow the waterfall rather than an exact payoff date.