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📡 Your Copilot Says
You're 3 months into the role and already averaging $379k/month in bookings. That's solid — especially for a ramp period. Your first commission check landed mid-March ($2,636 net), and February was base-only since you started in January. You're now in the rhythm.
Right now your base ($3,312/mo net) barely covers your burn ($3,346/mo) — you're $34 short on base alone. You are 100% commission-dependent for every dollar of surplus. That's fine today with no rent — but once you add $1,500/mo rent (~June), your base falls $1,534 short of burn every month.
The good news: you're sitting on $157k in assets and zero debt. Most people your age would kill for this position. But none of that money has a job. $42.9k in SPAXX with no label. $104.5k invested with no goal attached. $9.6k in checking with no plan.
Recommendation: Label your money today. SPAXX ($42.9k) = emergency fund ($15k) + ring fund ($27.9k). Checking ($9.6k) = operating cash. VTI + AGG ($104.5k) = long-term wealth — don't touch. Start routing monthly commission surplus into the ring fund. You can hit $30k in ~4 months if you're intentional, because you've already got $27.9k earmarked.
📅 Mid-April — ~$2,269 commission landing
February bookings ($350.6k) convert to cash. When it hits:
Mark actions complete when you move the money. Your copilot tracks follow-through.
— No actions tracked yet. Score starts when you execute your first recommendation.
🟢 Done 🟡 Skipped ⚫ Pending
$27,940 earmarkable (SPAXX surplus)
Target: $30,000 93% there if you label SPAXX. ~$2,060 gap — covered by next 1-2 commission checks.
$9,571 in checking
Need: ~$5,000 (first/last/deposit) ✅ Already covered with current checking balance.
Label $15k of SPAXX as untouchable emergency
Target: $15,000 (3 mo post-move burn) ✅ SPAXX covers this.
Waterfall: Emergency (✅) → Move-Out (✅) → Ring (93%) → Invest
| Holding | Value | Type |
|---|---|---|
| VTI | $77,354 | Total Stock Market |
| SPAXX | $42,940 | Money Market |
| AGG | $27,174 | Bond ETF |
| Chase Checking | $9,571 | Operating Cash |
🏷️ The labeling plan: SPAXX $42,940 → split mentally: $15,000 = emergency (don't touch) + $27,940 = ring fund (grow to $30k). VTI $77.4k + AGG $27.2k = long-term wealth (don't touch). Checking $9.6k = operating cash + move-out buffer.
When rent hits ($1,500/mo), your burn jumps to ~$4,846/mo. Base alone won't cover it.
⚠️ Every surplus dollar saved pre-June is worth more than a post-June dollar. Stack cash now while you have the window.
| Month | Bookings | Gross Comm | Net Comm | Cash Lands | Surplus |
|---|---|---|---|---|---|
| December | — | — | — | — | Not in role |
| January | $406,854 | $5,082 | $2,636 | Mid-Mar | +$2,602 |
| February | $350,593 | $4,379 | $2,269 | Mid-Apr | +$2,235 |
| March | $379,993 | $4,747 | $2,459 | Mid-May | +$2,425 |
Commission rate: 1.249% (below quota). Net assumes ~48% after taxes + 8% 401k on gross commission. Started role January 2025.
Every dollar booked above $4.4M earns at 3.123% instead of 1.249%. That is $3,123 per $100k instead of $1,249. A 2.5x jump.
25.8% $1,137,440 YTD | $3,266,060 remaining
Your current avg: $379k/month (3 months). Pace needed: $408k/month over remaining 8 months. You're slightly behind pace — need to tick up ~8% to hit accelerator. Doable but requires consistency.
Contributing 8% of all comp (base + commission). IRS limit: $23,500.
| Source | Monthly 401k | Annual Est. |
|---|---|---|
| Base salary | ~$400/mo | $4,800 |
| Commission (avg) | ~$370/mo | ~$4,400 |
| Total | ~$770/mo | ~$9,200 |
At 8% of ~$115k total comp, you contribute ~$9,200/year. You won't hit the $23,500 cap this year. No mid-year take-home bump to plan for.
| Category | Holding | Amount | % of Portfolio |
|---|---|---|---|
| US Stocks | VTI | $77,354 | 49% |
| US Bonds | AGG | $27,174 | 17% |
| Cash / Money Market | SPAXX | $42,940 | 27% |
| Checking | Chase | $9,571 | 6% |
You're actually more diversified than most people your age. You have stocks, bonds, and cash. The question isn't "what should I buy?" — it's "does each dollar have the right job?"
Bottom line: You don't need to buy anything new right now. Your VTI is one of the best long-term holdings that exists. Your AGG adds stability. Your SPAXX is earning solid yield while you save for goals. The only thing missing is labels — tell each dollar what its job is.
Once the ring and move are behind you, the natural next move would be adding international exposure (VXUS) or increasing your VTI allocation. But that's a future conversation.
This is education, not advice. The copilot shows you what exists and how it maps to your goals — you decide what to do with it.
| Base Salary | $60,000 |
| Quota | $4,403,500 |
| Rate (0–100%) | 1.249% |
| Rate (100%+) | 3.123% |
| Payment | Monthly, 45 days arrears |
| Pay Schedule | Base: every other Friday Commission: monthly, Friday closest to 15th |
| Fiscal Year | Dec - Nov |
| 401k | 8% of all comp (base + commission) |
| 401k Cap | $23,500 — won't hit this year |
| Net Base | ~$3,312/month |
| Burn (current) | ~$3,346/month |
| Burn (post-move) | ~$4,846/month |
| Rent (est) | $1,500 |
| Car Payment | $345.67 |
| Started role | January 2025. No December bookings. |
Week-over-week updates. Every change tracked, nothing lost.
Dashboard created. Started role Jan 2025. YTD bookings (3 months): $1.14M. Quota attainment: 25.8%. Total assets: $157k. No rent. No goals labeled yet.
📍 Baseline set
Next update populates when Nick sends weekly forecast. Deltas auto-calculate: bookings, surplus, goal progress, execution score.
Every recommendation, every action, every skip — tracked over time.
| Date | Action | Amount | Status | Note |
|---|---|---|---|---|
| No actions recorded yet. History starts when your first payday hits. | ||||
✅ Done ⏭️ Skipped ⬜ Pending
Execution rate = Done ÷ (Done + Skipped). Higher is better. Target: 80%+.
Your copilot will prompt you around these dates.
| Pay Date | Source | Amount | Copilot Prompt |
|---|---|---|---|
| Every other Fri | Base salary | ~$1,656/check | ⚠️ Barely covers burn (−$34/mo) |
| Fri closest to Apr 15 | Commission (Feb books) | $2,269 | 💰 Route to ring fund + buffer |
| Fri closest to May 15 | Commission (Mar books) | $2,459 | 💰 Route to ring fund + buffer |
Pay schedule: base every other Friday, commission monthly on the Friday closest to the 15th, 45 days in arrears.
Every version of your dashboard is preserved. Nothing gets lost.
| Version | Date | Changes |
|---|---|---|
| v1.0 | Mar 30, 2025 | Initial dashboard with Dec bookings (incorrect — not in role) |
| v1.1 | Mar 30, 2025 | Corrected: started Jan 2025, Dec bookings zeroed. YTD recalculated. |
| v2.0 | Mar 30, 2025 | Added: Learn section, 401k tracker, investment education. |
| v3.0 | Mar 31, 2025 | Password protection added. Dashboard now requires authentication to view. |