STACKD
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The Stack
Financial Command Center — October 2026
Total Liquid
$152,000
+$90k investor received Oct 1
Personal Liquid
$62,000
Truist + Cash + M&T
Monthly Income
$23,000+
Zero to Hero + Coaching
Unsecured Debt
$89,800
Down $53k since Sep 30
Monthly Surplus — October Projection
$23,000 income − $20,758 obligations = $2,242 base + coaching builds on top
+$2,242
Cash Stack
4 accounts
Truist Bank
Personal savings
$11,000
Cash Reserve
Physical
$11,000
M&T Bank
Business operating
$30,000
Chase → HYSA
Investor capital — move to HYSA
$90,000
Chase Personal
Personal in Chase
$10,000
Total Liquid
$152,000
Income Stack
Active
Zero to Hero LLC
Wire — monthly
$20,000
Active
Coaching Business
1099 — scaling
$3–6k
Building
New Company W2
$375k/yr — within 90 days
$31,250/mo
Pending
Wealth Explosion
Event revenue — March 2027
$150–400k
Building
Equity Distributions
Q3/Q4 starting
TBD
Pending
🎯 Next Moves
1
Move $90k to HYSA today
Losing $11/day in Chase — Marcus or Ally
2
OnDeck payoff — $6,400
Within 7 days — frees $1,749/month
3
WE closes 1 & 2 deposits
$1,000 each — confirm in 9 days
4
Generate $2,710 new sales
296 gap trigger — October target
5
Credit apps — Bluevine, Fundbox
Before W2 window closes
M&T Bank History
Jan – Jun 2026
Jan
Feb
Mar
Apr
May
Jun
Deposits
Withdrawals
Apr peak deposits $76,508
Current M&T balance $30,000
Monthly Flow
October 2026
Income — Zero to Hero
$20,000
Income — Coaching
$3,000–6,000
Fixed Obligations
$14,283
Debt Service
$6,475
Monthly Surplus
$2,242+
Monthly freed since Sep 30 $6,208
OnDeck gone (7 days) adds +$1,749
W2 net when starts +$22,000
Debt Register
$89,800 unsecured
OnDeck
Pay Off — 7 days
$6,400
$1,749/mo
AMEX 1
High Priority
$21,000
$1,480/mo
AMEX 3
Active
$10,000
$275/mo
Citi Card
After AMEX 2
$6,600
$550/mo
AMEX 2
Next target
$3,800
$420/mo
M&T Business Line
Lowest rate
$18,000
$600/mo
Remaining Cards
~4 cards
$24,000
$1,250/mo
Loot
✓ Eliminated
$0
$2,708 freed
NYS Taxes
✓ Eliminated
$0
$1,500 freed
Investor Obligations
Feb 28 covered 2.5×
Investor S
—
$4,500 ✓ PAID
Investor A
Confirmed Oct 1
$10,000 ✓ PAID
J, C, M, S, K
9-month payment plan
$60,000
Plan active
Group Investors
February 28, 2027
$120,000
HYSA reserved ✓
New Investor
24 months — 20% return
$120,000
$90k received Oct 1
The Garage
$208,500 equity
Lamborghini
$100k+
Appreciating
Rolls Royce Ghost
$15k equity
Section 179
$4,483/mo
Ferrari 296 Target
$34k equity
$2,000/mo
Trade pending
Maserati Levante
$42k equity
$800/mo
Wife's
The Event — Wealth Explosion 2027
March 2027 · South Florida
Committed
23
Revenue Locked
$49,480
Executive Closes
3
Close 1 Executive
$4,500
$1,000 deposit in 9 days
Close 2 Executive
$4,500
$1,000 deposit in 9 days
Close 3 Executive
$4,500
Deposited last month · $700/mo starting now
20 Access Pass Commitments Access
$35,980
Converting to deposits — upgrade conversations
Conservative (55 attendees) ~$111k net
Realistic (100 attendees) ~$292k net
Optimistic (175+) $684k+
STACKD — Built with AI. Built for builders.
UseStackd.ai · 90-day build · No developers · Demo live at Wealth Explosion March 2027
The Stack ✓ Live
The Grind — Next
◈ Income Dashboard — Oct 2026
Personal Volume
$20,000
Zero to Hero monthly
Team Override
$3,200
Est. from team size
Rank Bonus
$1,500
Achievement bonus
Total Monthly
$24,700
Projected Oct income
◈ Rank & Status
💎
Diamond
Next: Elite — $50,000 vol. needed
27,100 / 50,000
Points to Elite
Diamond — 27,100 pts 54% to Elite 50,000 pts
✓ Bronze
✓ Silver
✓ Gold
✓ Platinum
💎 Diamond
⬡ Elite
◈ Downline Structure
4 active lines · 7 reps total
Chris Holder
$20,000
You
Line 1
$8,500
Active
Sub 1a
$3,200
Active
Sub 1b
$1,100
Building
Line 2
$6,200
Active
Sub 2a
$4,800
Active
Line 3
$2,400
Building
Line 4
$800
New
◈ Monthly Income — Last 6 Months
Total incl. personal + overrides + bonuses
$18.4k
May
$21.2k
Jun
$19.8k
Jul
$22.6k
Aug
$23.1k
Sep
$24.7k
Oct ✦
◈ Override Calculator
Monthly Override
$3,200
Annual Projection
$38,400
◈ Rank Milestone Tracker
Rank Volume Req. Monthly Bonus Status
Bronze $5,000 $500
✓ Achieved
Silver $10,000 $1,000
✓ Achieved
Gold $20,000 $1,500
✓ Achieved
Platinum $35,000 $2,500
✓ Achieved
💎 Diamond $50,000 $5,000
→ Current
54%
Elite $100,000 $12,000
◎ Target
The Vault
Capital Stack & Credit Command
OCT 2026
⚡
Move $90,000 from Chase Business to HYSA
Current HYSA Balance
$0
Target Balance
$90,000
APY
4.50%
Monthly Interest
$337.50
Annual Interest
$4,050
Cost Per Day Delayed
$11.25
Every day this transfer is not made costs $11.25 in forgone interest.
Total Liquid
$152,000
5 accounts
Deployable Capital
$62,000
Excludes investor capital
Total Credit Available
$67,000
M&T $50k + Headway $17k
Total Firepower
$129,000
Deployable + credit lines
Liquid Position — $152,000 Total $152,000
EARMARKED $90k
DEPLOYABLE $62k
Credit Lines — $117,000 Capacity $67k confirmed + $50k pending
M&T $50k
HEADWAY $17k
PENDING ~$50k
Investor Capital (Earmarked)
Deployable Cash
M&T Credit Line
Headway Capital
Pending (Bluevine + Fundbox)
M&T Bank
Business Line of Credit
Active
Available
$50,000
Limit
$50,000
Drawn
$0
Working capital line — fully available.
Headway Capital
Business Credit
Expanding
Available
$17,000
Limit
$25,000
Drawn
$8,000
Increase application in progress.
OnDeck
Merchant Cash
Eliminating
Balance Remaining
$6,400
Payoff in 7 days — funding from current cash.
Bluevine
Business Credit
Pending
Estimated Range
$20,000 – $30,000
Application submitted. Awaiting decision.
Fundbox
Business Credit
Pending
Estimated Range
$20,000 – $30,000
Application submitted. Awaiting decision.
Step 01 · Now
OnDeck
$6,400
PaymentFull payoff
Est. PayoffOct 2026
+$0/mo freed (MCA — no recurring pmt)
Step 02 · ~Jan 2027
AMEX 2
$3,800
Monthly Pmt$420/mo
Est. Payoff~Jan 2027
+$420/mo freed
Step 03 · ~May 2027
Citi Card
$6,600
Monthly PmtMin pmt
Est. Payoff~May 2027
+$600/mo freed (est.)
Step 04 · ~Apr 2028
AMEX 1
$21,000
Monthly Pmt$1,480/mo
Est. Payoff~Apr 2028
+$1,480/mo freed
Cumulative Monthly Freedom After Step 4
$2,760 / mo
Full Payoff Horizon
April 2028
Remaining Unsecured Debt
$31,400 after OnDeck
Ferrari 296 ($97,710 @ $2,710/mo) — Strategic asset, maintain.
● Covered
Obligation
$120,000
Due Feb 28, 2027
Days Remaining
148
Oct 3, 2026 → Feb 28, 2027
Current Coverage
$152,000
1.27× covered
Liquid Coverage vs. Obligation 127%
$120k target
Fully covered by current liquid position alone — $152,000 liquid vs. $120,000 owed. W2 income beginning January 2027 adds additional monthly buffer. No liquidation of strategic assets required.
Month Income Expenses Net Add Projected Deployable
Oct 2026 $24,700 $20,758 +$3,942 $65,942
Nov 2026 $26,000 $20,338 +$5,662 $71,604
Dec 2026 $28,000 $19,918 +$8,082 $79,686
Jan 2027 ★ $35,000 $19,498 +$15,502 $95,188
★ W2 income begins January 2027 — significant acceleration. Deployable capital only; excludes $90k earmarked investor capital.
Module 04
The Garage
Vehicle Asset Command
Fleet Overview
Total Equity
$652,290
Fleet value minus loan balance
Monthly Cost
$3,885
$2,710 financing + $1,175 insurance
§179 Potential
$750,000
All 4 vehicles business-eligible
The Fleet
Lamborghini
Urus
2022 · Luxury Performance SUV
Paid Off
Market Value
$250,000
Monthly Cost
$0
Pure Equity
$250,000
§ 179 Tax Strategy
Eligible — GVWR exceeds 6,000 lbs. Up to $250,000 deduction on business-use portion. Zero monthly drag. Pure asset.
Closer Energy Client Events Room Opener Prestige Asset
Ferrari
296 GTB
2023 · Hybrid Supercar
Financing
Market Value
$320,000
Monthly
$2,710
Net Equity
$222,290
§ 179 Tax Strategy
Business-use deduction available. Up to $320,000 eligible. One coaching close covers the monthly payment.
Performance Identity Precision Ambition Signal
Range
Rover
2023 · Executive SUV
Daily Driver
Market Value
$95,000
Monthly Cost
$0
Pure Equity
$95,000
§ 179 Tax Strategy
GVWR eligible. Up to $95,000 deduction on business-use portion. Client transport write-off candidate.
Executive Presence Client Transport Refined
Cadillac
Escalade
2022 · Full-Size SUV
Event Asset
Market Value
$85,000
Monthly Cost
$0
Pure Equity
$85,000
§ 179 Tax Strategy
GVWR eligible. Up to $85,000 deduction available. Event and team logistics vehicle.
American Prestige Team Logistics Authority
Fleet Value Timeline · 36-Month Projection
Lamborghini Urus
Ferrari 296
Range Rover
Escalade
Total Fleet
Section 179 Calculator
0% 80% 100%
Vehicle Value
$250,000
Estimated §179 Deduction
$200,000
Tax Savings (37% Rate)
$74,000
Net Cost After Tax
$176,000
Consult your CPA. This is a planning tool, not tax advice. Section 179 limits and phase-outs apply. Business use must be documented.
Insurance & Cost Summary
Vehicle Monthly Insurance Financing Payment Total Monthly
Lamborghini Urus $380 $0 $380
Ferrari 296 GTB $420 $2,710 $3,130
Range Rover $210 $0 $210
Cadillac Escalade $165 $0 $165
TOTAL FLEET $1,175 $2,710 $3,885
Strategic Value Notes
Lamborghini Urus
Paid-off prestige. Zero monthly drag. Opens rooms money can't buy. The Urus is a fully-owned asset that signals at the highest tier before a word is spoken. Section 179 deduction available on business-use portion — pure equity working as a brand multiplier.
Ferrari 296 GTB
Monthly investment in brand and performance identity. The 296 payment is covered by a single coaching close — the car pays for itself in what it signals. Precision, ambition, and capability made tangible. A business asset dressed as a supercar.
Range Rover
Executive client transport. Professional presence without the exotic insurance premium. The Range Rover handles high-value client meetings and airport runs with refined authority — practical luxury that doesn't overshadow the conversation it's facilitating.
Cadillac Escalade
Team and event logistics. The Escalade carries authority in every market — American prestige that commands space. Group movement for events, team deployments, and brand activations. The vehicle that moves people and signals power simultaneously.
STACKD v0.3  ·  The Garage Module  ·  Built with Claude AI  ·  UseStackd.ai
Coaching Overview
Active Clients
4
All packages active
Monthly Revenue
$4,500
Mixed packages
Avg Client Progress
67%
Toward financial goals
Sessions This Month
12
Oct 2026
Client Roster
MT
Marcus T.
Elite · $4,997
Crushing It
Session 4 of 12 Oct 2026
Overall Progress 78%
DR
Denise R.
Accelerator · $1,997
On Track
Session 4 of 6 Oct 2026
Overall Progress 61%
JK
Jordan K.
Accelerator · $1,997
On Track
Session 3 of 6 Oct 2026
Overall Progress 55%
PM
Priya M.
Foundation · $997
Needs Attention
Session 2 of 3 Oct 2026
Overall Progress 28%
The Wealth Audit Framework
01 Income Architecture Complete ▾

Map all income streams — active, passive, residual, and leveraged. Identify structural gaps and unrealized opportunities before any wealth-building strategy is formed.

What is your primary income source and current annual gross?
Do you have active side income or business revenue? Estimated monthly?
Any passive streams — dividends, rental income, royalties, licensing?
02 Debt Intelligence Complete ▾

Full debt profile with interest rates, minimum payments, and an optimized payoff sequence. Debt is not the enemy — ignorance about it is.

Total unsecured debt across all accounts?
Aggregate monthly minimums? What is the highest interest rate you're carrying?
What is your current payoff timeline at minimum payments?
03 Capital Position In Progress ▾

Total liquid asset picture: cash, savings, and investment accounts. Establishes your current wealth foundation and identifies capital available for deployment.

Total liquid capital across all checking and savings accounts?
Do you have a high-yield savings account? Current APY?
Emergency fund — how many months of expenses does it cover?
04 Protection Stack In Progress ▾

Insurance, estate planning, and entity structure. Wealth built without protection is wealth one event away from disappearing. This pillar is non-negotiable.

Life insurance coverage — term, whole, or none? Is it adequate for your obligations?
Business entity type — LLC, S-Corp, or sole proprietor? Are assets properly separated?
Beneficiaries updated on all accounts? Do you have an umbrella policy?
05 Growth Vehicles Not Started ▾

Real estate, business equity, and investment portfolio. These are the vehicles that create generational distance from where you started.

Real estate owned — primary residence, investment property, or none?
Business equity — do you own equity in any ventures? Current estimated value?
Investment portfolio and tax-advantaged accounts (401k, IRA, HSA) — current totals?
06 Legacy Blueprint Not Started ▾

The 3-year financial vision, family legacy plan, and exit strategy. This is the North Star — everything else in the audit exists to serve this section.

What is your specific 3-year financial target — income, net worth, or both?
Legacy wealth goal: what do you want to leave, and for whom?
Giving and impact goals — is generosity built into the financial plan?
Active Client — Deep Dive
Marcus T.
Elite Package  ·  Session 4 of 12  ·  Oct 2026
Crushing It
Income Architecture
W2 Sales Manager $95K/yr
Amazon FBA $2,200/mo
Total Monthly $10,117
Debt Intelligence
Total Unsecured $28,400
Monthly Minimums $740
Payoff Plan 18 months
Eliminated 22%
Capital Position
Liquid $14,200
HYSA (4.5% APY) $8,000
Emergency Fund 2.1 months
Goals Progress
Emergency fund to 6 months 35%
Eliminate all credit card debt 22%
Launch side business (scale FBA) 60%
Session Log — Marcus T.
Session 4
Oct 1, 2026
Reviewed Q3 income — FBA revenue up 18% quarter over quarter
Updated debt payoff sequence; high-interest card prioritized
Open HYSA account by Oct 15
Increase FBA inventory investment by $2,000
Next session: Oct 22, 2026
Session 3
Sep 10, 2026
Income audit completed across all 6 Wealth Audit pillars
Identified $400/mo in subscription and recurring service waste
Cancel unused subscriptions — target $400/mo recovered
Redirect $400 recovered to accelerated debt payoff
Coaching Packages
Foundation
$997 one-time
◈ 3 coaching sessions
◈ Full 6-pillar wealth audit
◈ 30-day action plan
◈ Email support
Premium
Elite
$4,997 one-time
◈ 12 coaching sessions
◈ Full audit + weekly accountability
◈ Direct line access
◈ STACKD — 12-month access
◈ Event ticket included
Revenue Tracker
$4,500
Oct 2026 — Current Month
+40.6%
since Jul 2026
$3.2K
Jul
$3.8K
Aug
$4.2K
Sep
$4.5K
Oct
$5.5K
PROJ
Nov
$6.0K
PROJ
Dec
Actual
Current
Projected
STACKD
THE EVENT Wealth Explosion · March 2027
Sales Active
Event Overview
Days to Stage
149
March 1, 2027 · Fort Lauderdale
Confirmed Attendees
23
of 200 capacity
↑ 11.5% to capacity
Revenue Locked
$49.4K
$35,431 collected · $14,049 pipeline
↑ 16.5% to goal
Revenue Goal
$300K
200 attendees · gross target
$250,520 remaining
Countdown
WEALTH EXPLOSION·MARCH 2027·FORT LAUDERDALE, FL
149
DAYS
149 days to the stage
SALES WINDOW OPEN 17% THROUGH WINDOW
Ticket Tiers
Access Pass
$997
3-Month Builder · STACKD
Sold 18 tickets
Revenue $17,946
STACKD Value $47/mo × 3
Spots Left ~49 of 67
FILL RATE 27%
Executive
$2,497
6-Month Executive · STACKD
Sold 3 tickets
Revenue $7,491
STACKD Value $97/mo × 6
In Pipeline +3 closing
FILL RATE 9%
Mogul
$4,997
12-Month Mogul · STACKD
Sold 2 tickets
Revenue $9,994
STACKD Value $197/mo × 12
Spots Left ~32 of 34
FILL RATE 6%
Revenue Pipeline
$35.4K
+$14K
$250.5K to goal
Collected: $35,431
Locked (deposits / payment plans): $14,049
Remaining to goal: $250,520
$2,150
Avg Ticket Value
$49,480
Total Locked
~$258K
Projected at Current Pace
Pace note: 23 attendees in ~31 days since launch = 0.74/day · 149 days remaining · projected +110 more = ~133 total · at $2,150 avg = ~$286K gross
Attendee Pipeline
Stage Count Est. Value % of Pipeline Volume
Confirmed + Paid 20 $41,486 36.9%
Deposit / Payment Plan 3 $7,994 7.1%
Verbal Commitment 8 est. $15,000 13.3%
Hot Lead 12 est. $18,000 16.0%
Warm Lead 25 est. $30,000 26.7%
Total Pipeline 68 ~$112,480 100%
STACKD Flywheel
Every ticket tier bundles STACKD access — converting event attendees into active subscribers at launch. The flywheel: the event sells STACKD, STACKD users refer the event.
Wealth Explosion
Event drives 200 attendees
▶
STACKD
200 subscribers at launch
▶
Referrals
Users drive next event sales
Builder Tier
18
$47/mo · 3 months
Executive Tier
3
$97/mo · 6 months
Mogul Tier
2
$197/mo · 12 months
23
STACKD Users Now
200
At Sellout
~$2,800
Est. MRR from Event
~$33,600
Annual Sub Value
Milestone Tracker
✓
Event concept finalized
✓
Ticket tiers defined
✓
STACKD integration designed
✓
First ticket sold
✓
20 attendees confirmed
50 attendees
IN PROGRESS — 27 more needed · at current pace ~37 days
○
100 attendees
○
Venue confirmed
○
Speaker lineup locked
○
Marketing campaign launch
○
STACKD beta live for attendees
○
200 attendees — SOLD OUT
★
Wealth Explosion — March 2027
Portfolio Overview
Active Deals
1
PIPELINE
Capital Deployed
$0
READY TO DEPLOY
Available Capital
$40K
From deployable pool
Projected ROI
35%
Fix & flip target
Active Pipeline
DEAL #001 · South Florida
First Fix & Flip — Fort Lauderdale / Miami Area
Partner actively sourcing · 50/50 capital · 60/40 profit split
SOURCING
Target Purchase Price
$180K – $220K
Market: South Florida
Renovation Budget
$40K – $60K
Estimated rehab
Chris's Capital (50%)
$35K – $40K
Capital share in
ARV
$280K – $320K
After Repair Value
Gross Profit
$40K – $80K
Project profit
Chris's 40% Share
$16K – $32K
40–80% ROI on capital
Deal Calculator
auto
Auto: 2% of purchase price
auto
Auto: 6% of ARV
CAPITAL SPLIT
50 / 50
FIXED
PROFIT SPLIT
40 / 60
CHRIS / PARTNER
Purchase Price $200,000
Renovation $50,000
Closing (Buy) $4,000
Holding Costs $6,000
Closing (Sell) $18,000
Total Project Cost $278,000
ARV $300,000
Gross Profit $22,000
Your Capital In (50%) $139,000
Your Profit (40%) $8,800
Cash-on-Cash Return 6.3%
Deal Grade
SOLID
ROI: 6.3%
Partnership Structure

Deal Structure — Florida LLC

LLC PENDING FORMATION
Capital Provider
Chris Holder
Capital Share 50%
Profit Share 40%
Role Capital only
Day-to-day ops No
Available capital ~$40,000
LOC (pending) +$20–30K
Operating Partner
Active Partner
Capital Share 50%
Profit Share 60%
Role Day-to-day ops
Experience Active flipper
Market South Florida
Entity FL LLC — Pending
Example: $300K ARV deal with $50K gross profit
Total project cost (est.) ~$250,000
Chris's capital in (50%) $35,000
Chris's profit (40% of $50K) $20,000
Chris's ROI on capital 57%
Business Entity Setup

Florida LLC Formation Checklist

Complete these steps before first deal closes

Form Florida LLC with partner PENDING
Obtain EIN from IRS PENDING
Open dedicated business bank account PENDING
Partner operating agreement signed & notarized PENDING
Business line of credit application IN PROGRESS
✓
Partnership terms agreed with operating partner COMPLETE
✓
Target market identified — South Florida COMPLETE
✓
First deal sourcing begun with partner COMPLETE
Completed Deals

Completed Deals

0 DEALS · $0 TOTAL PROFIT
Deal Address Purchase Reno Sold Profit Chris's Cut ROI Status
This is where the wins go.
Your first deal will appear here. The clock is ticking.
Total Deals
0
Capital Deployed
$0
Total Profit
$0
Avg ROI
—
90-Day Action Plan

First Deal Timeline

Target: First flip complete within 5–6 months

Wk 1–2
Form & Fund
Form LLC
Open account
Partner call
NOW
Wk 3–4
Capital Ready
LOC approved
Capital staged
Entity complete
Month 2
Deal Review
5+ properties
Evaluate with
partner
Month 3
Under Contract
Deal closed
Reno begins
Crews deployed
Mo 4–5
Reno Complete
Property listed
Staged & ready
Showings begin
Mo 5–6
SOLD.
First flip done
Profits split
Next deal up