📋 Data Needed — by Phase

Phone-friendly checklist. Photos of statements work (redact account #s).

How to use: Each phase enables a level of analysis. Phase 1 (cash flow) is the foundation — everything else builds on it. Don't try to do all phases at once.

Privacy: All data stays in /personal/ folder. Never shared with /bets/. Redact account numbers in photos before sharing.

🔴 Phase 1 — Cash Flow Baseline (highest priority)

Without this, every other analysis is guesswork. 1–2 hour session once data arrives.

3 months bank statements (checking, savings)
Monthly income sources breakdown
Recurring bills list (mortgage, utilities, insurance, subscriptions)
Variable expense estimate (food, gas, household)
CeCe's income contribution (if shared expenses)

🟠 Phase 2 — Assets

Fidelity 401k current balance (confirm ~$350K Sam-stated)
401k fund allocation (target-date vs growth shift history)
401k withdrawal history 2022–now (by year + purpose) — see tracker
Other investment accounts (brokerage, IRA, Roth)
Home equity estimate
Vehicle values (2018 Explorer, 2014 CTS Vsport)
Cash reserves / emergency fund (HYSA for bridge replacement)

🟡 Phase 3 — Debts

Mortgage: lender, balance, rate, term, monthly payment
Vehicle loans
Credit card balances + rates
Any other loans (student, personal, etc.)

🔵 Phase 4 — Business (Same Solutions LLC)

YTD revenue (jobs completed)
YTD expenses (materials, tools, mileage)
Bank account specific to Same Solutions LLC?
Tax setup (pass-through, quarterly estimates?)

🟢 Phase 5 — Decisions (data for specific scenarios)

Dad's garage: actual price, financing terms, partnership structure
Self-employment income mix breakdown (Same Solutions / Marketplace / odd jobs / other) — see revenue tracker
Last year's tax return (self-employment quarter context)
2026 projected gross income (Sam SE + CeCe)
Path Forward primary path picked (A–E) — drives modeling scope

Photos of statements work. Encrypt or redact account numbers before sharing. Round numbers are fine — exact not required until we're modeling tight decisions.