P-Finance Decision Board
Phase 1 — Prototype → Product
DIM-PF Node 0 · Personal financial waste elimination · Ideate first, productize second · Co-Pilot engine engaged
DIM-PFPersonal Finance Decision Intelligence Map — Root Node
Waste Eliminator Engine applied to Don's personal accounts. Mark Kill / Keep / Investigate — decisions auto-trail for approval.
Co-Pilot (GitHub) provides engine power. This prototype seeds the Dynasty Stack P-Finance product.
Monthly Burn
$5,342
25 active vendors
Kill Lane Exposure
$157/mo
4 vendors · executed
Review Lane
$2,810/mo
19 vendors · 30-day window
Locked (Keep)
$0/mo
0 vendors confirmed
Kill Savings
$0/yr
annualized from kills
🔥 Waste Eliminator Engine — ACTIVE · Co-Pilot powered · 2026-08-04 wins locked · $157/mo · $1,878/yr recovered · DIM-PF v1.1
Vendor Decision Board
0 pending decisions
| Lane | Vendor | Category | Months | Avg/mo | Ann. Cost | Decision |
|---|
Waste Eliminator Engine
DIM-PF v1.0
Co-Pilot Powered
Rules active · Kairos monitoring
Kill Signals
Discretionary / Non-Essential — KILLED
Goody Goody ($53/mo) — behavior-change kill executed 2026-08-04. No vendor cancel; self-enforced. ~$636/yr.
Redundant Media / Streaming — KILLED
Roku AMC+/MGM ($20.54/mo) + YouTube TV ($82.99/mo) killed 2026-08-04. Cal.com trial cancelled same day — $0 charged, redundant to Zoho Bookings. SiriusXM removed from this rule — Essential (Mamma).
Legacy Email Utility — KEEP
Yahoo Mail Plus ($5/mo) — keep. 1990s login / spam-dump utility. Low cost, real function.
Dual Fuel / Convenience — KEEP
Racetrac + QT = $201/mo. Controlled. Dual-fuel consolidation flag closed 2026-08-04.
Keep & Review Signals
Core Insurance (Keep)
State Farm ($450/mo) + Molina Healthcare ($356/mo) = non-negotiable protection. Keep — benchmark rates annually.
Essential — SiriusXM (Mamma)
SiriusXM reclassified Essential Services. Household music non-negotiable. Out of Kill/redundant-media lane.
Essential — Housing / Rent
Pritchard Real Estate — hand-delivered rent check. $2,250/mo now; steps to $2,550 on 2026-09-01 (+$300/mo). Keep. Non-negotiable housing.
Amazon — Receipt-Level Recon
$297/mo ~90% Stacey/household + impulse remainder. ACTION: schedule login + receipt-level recon. No blind kill.
Grocery Stack — KEEP (Controlled)
H-E-B + Kroger + Walmart + Braums = $777/mo. Controlled. Consolidation flag closed 2026-08-04.
Formal Approval Trail
Copy decisions back into chat for audit log
[ Make decisions above — your approval trail will appear here ]