Evan Jones — Financial Situation

A full, honest picture of income, obligations, property, and the monthly shortfall.

As of October 23, 2026 · auto-refreshed from live bank data · transaction history 2022-01-03 to 2026-10-21 (8,377 transactions). Credentials, passwords, SSNs, and full account numbers are deliberately excluded — accounts shown by last 4 only.

The short version: after tax, income runs about $7,555/month, but the fixed obligations on two homes, child support, and Jack's therapy come to about $10,300/month. That leaves a structural gap of roughly $2,745 every month before any groceries, gas, or emergencies — which is why the checking balance stays thin and family help has been closing the gap.

-$2,745/mo
Monthly structural gap — the difference between what comes in and the fixed bills that must go out. Over a year that is about $32,940 that has to come from savings, credit, or family support.

Where things stand today

Liquid cash on hand plus the monthly cash-flow math.

Liquid cash
$221.39
Checking + savings, all accounts
Monthly income
$7,555
Pay + rental income
Monthly obligations
$10,300
Fixed bills only
Structural gap
-$2,745
Every month, before spending
Income
$7,555
Obligations
$10,300

The two properties

One primary home and one rental — both carry mortgages; family currently funds much of the payments.

Primary home

1523 Scout Ridge Drive

Hoover, AL
LenderWestStar Mortgage
Payment~$2,750/mo
Paid fromChecking (9326)
Balance owed~$403,000
Home valuenot yet connected

Evan's mother often funds this mortgage payment directly.

Rental — cash-flowing

6445 Southern Trace Drive

Leeds, AL
LenderRocket Mortgage
Balance owed$50,424.81
Est. value~$295,300
Equity~$244,875
Rented for$1,850/mo
Payment~$1,241/mo

Auto-drafts ~$1,241/mo from Evan's mother's account; rent covers the payment.

Monthly obligations — $10,337

Every fixed monthly commitment, grouped. Figures from the household bills workbook.

$10,337 per month
1523 Scout Ridge (home)$5,682 · 55%
6445 Southern Trace (rental)$1,655 · 16%
Child support$1,500 · 15%
Jack's therapy$1,200 · 12%
Pool service$300 · 3%

1523 Scout Ridge $5,682

1523 Mortgage (WestStar Mortgage Company)$2,750
BCBS Family Health$743
Birmingham Water Works$532
Alabama Power$500
Lawn Care$280
Pool Maintenance$250
Spire$163
Terminex$99
BCBS Family Dental$82
ADT Home Security$70
Lawn Treatment$50
Trace Crossings Residential (HOA1)$42
Brock's Gap Swim Club (HOA2)$42
Nationwide Recreation Vehicle$32
Wall Street Journal$25
Netflix$22

6445 Southern Trace $1,655

6445 Southern Trace Drive Mortgage$1,241
Alabama Power$250
Leeds Water Works$100
Southern Trace Homeowners Association:$39
Spire$25

Other fixed $3,000

Child support$1,500
Jack's therapy$1,200
Pool service$300

Income sources

Take-home pay plus rental income. Payroll figure is the trailing-12-month total from the bank feed.

MdR payroll
~$2,700
Biweekly · $83,637 over last 12 mo (31 deposits)
Leeds rent
$1,850
Per month, rental property
Other
minor
Occasional Stripe / parking reimbursements

Where the money goes

Top spending categories, last 12 months, from 8,377 categorized bank transactions.

Uncategorized
$29,157
Mortgage
$25,764
Shopping
$22,209
P2P (Venmo/PayPal/Zelle)
$18,389
Utilities
$9,991
Entertainment
$9,991
Home
$7,855
Restaurants
$6,903
Other
$6,243
Insurance
$4,913
CategorySpent (12 mo)Txns
Uncategorized$29,157.48200
Mortgage$25,763.807
Shopping$22,209.44357
P2P (Venmo/PayPal/Zelle)$18,388.58255
Utilities$9,991.3043
Entertainment$9,991.03261
Home$7,855.08162
Restaurants$6,902.81179
Other$6,242.5563
Insurance$4,913.0253

Household spending at Walmart

Itemized grocery & goods orders reconstructed from Walmart's records — the bulk of household consumables run through here.

Total
$29,587
Itemized line items
Orders
205
Delivery + pickup
Span
3 yrs
2023-07-23 to 2026-07-17
Grocery / Food
$19,031
Other
$4,931
Household / Cleaning
$2,729
Health / Personal
$1,042
Pet
$685
Baby / Kids
$666
Home Goods
$383

Net worth sketch

A partial picture — several accounts are not yet connected, so this understates both sides.

Assets

6445 Leeds equity~$244,875
Liquid cash$221.39
1523 home equity value not yet connectedTBD
Known assets~$245,096

Liabilities

WestStar mortgage (1523)~$403,000
Rocket mortgage (6445)$50,424.81
Known liabilities~$453,425
Not yet connected / estimated: the 1523 home value (needed to complete its equity — the ~$403,000 WestStar balance is a liability with no asset value entered yet), plus Coinbase, any HELOC, and the 401(k). Once the 1523 home value is added, known assets rise substantially — a ~$400,000+ home against a $403,000 balance.

Family support received (last ~2 years)

Recorded factually and with gratitude — this help is what has bridged the monthly gap.

Dad — Bruce
~$85,500
In larger one-time gifts over the period.
Mom — Kathy
~$16,600
In transfers, plus covering the Leeds mortgage directly (~$15,000/yr).

Monthly spending trend

Total money out each month (card + checking, excluding internal savings transfers), trailing 12 months. Averaging $10,915/mo; most recent month $17,654.

$0$11,917$23,834 25-1126-0126-0326-0526-0726-0926-10

Recent activity

Last 15 transactions from the bank feed.

DateMerchantAmount
2026-10-21Walmart-$7.56
2026-10-21Walmart+$0.74
2026-10-21Walmart+$5.04
2026-10-21Walmart-$31.98
2026-10-21Walmart+$0.02
2026-10-21PayPal-$43.75
2026-10-20Automatic Transfer-$20.00
2026-10-20Walmart+$19.40
2026-10-20Automatic Transfer+$20.00
2026-10-20Walmart-$31.12
2026-10-20Walmart-$168.58
2026-10-20Future Technologie-$14.99
2026-10-20Nationwide-$46.75
2026-10-20PayPal-$82.99
2026-10-20Weststar Mortgag-$2,793.98