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$41,642.55

Cash, less the cards, the goals, the bills coming and the tax due.

Cash in 5 accounts

$45,509.84

− Owed on cards

$1,878.27

− Set aside for goals

$1,595.50

− Bills due in 30 days

$306.26

− Tax due by Jan 15

$87.26

• FigmaSoftware & AI · Business−$15.00
• WegmansGroceries−$78.47
• Client paymentContract income · Business+$4,200.00

Personal and business in one ledger, each charge filed to the right books, and the tax set aside as you go.