Inheritance deployment

$20K via parents from grandma's estate. Single-name trace. Mirrors bird-eye.md.

Done $0.00 · In progress $0.00 · Planned $20,000 · Total $20,000

Plus $150.00 from existing checking (not inheritance, tracked separately below).

Planned · 11

  • Label transfer "Gift, Holly CC paydown."
  • Committed obligation
  • Member capital. Holly contributes matching $1,500.
  • Frees $2,000 unused credit line.
  • Kills 104% utilization. Credit score recovers 50-100 pts.
  • Highest APR. Full clear.
  • Four cards to zero in one move.
  • 27% APR. Frees ~$140/mo. Affirm Assistant payoff quote.
  • 27% APR. Affirm Assistant payoff quote.
  • Drops 100% util to 87%. Saves $250/mo cash flow.
  • Single-name. Separate-property trace. 2027 house down payment.

Completed · 1

  • Brought Chase + Mission Lane current 2026-05-11. From existing checking. Excluded from inheritance total.