The combined picture — net worth, FIRE progress, and cross-account allocation, pulled live from the Retirement and Brokerage dashboards.
Update your numbers
Roth and Brokerage balances aren't entered here — they're pulled live from their own dashboards. This form covers everything else.
Other assets & cash
Liabilities
Monthly budget
FIRE targets
Growth assumption
The goal these accounts are built around
The target is FIRE — Financial Independence, Retire Early — somewhere between age 45 and 55. The combined Roth IRA and brokerage account are targeting the FIRE range set on the Net Worth & FIRE tab. Everything about how these two accounts are built — which funds live where, how aggressive the allocation is, how the bond sleeve is sized — traces back to that number and a "set and forget" investing approach designed to avoid impulse decisions during volatility.
The two accounts aren't built the same way on purpose. The Roth IRA is the tax-free growth engine: money goes in once, grows for decades, and comes out completely untaxed. The brokerage account is the flexible, income-aware sibling: accessible before 59½ without penalty, useful as an early-retirement bridge, and intentionally holds the funds that benefit from the Foreign Tax Credit, which a Roth can never use.
Where things stand right now — Phase 1 vs. Phase 2
Phase 1 — now → car paid off
Phase 2 — after car payoff
Net worth snapshot
FIRE progress tracker
True blended exposure — both accounts combined, weighted by dollar value
This view only exists here — neither individual dashboard can see across both accounts. For each account's own breakdown, see Retirement or Brokerage Dashboard.
Asset class summary
What "asset location" means here
Asset location is different from asset allocation. Allocation asks what to own; location asks which account should hold it. The same fund can be a great choice in one account type and a wasted opportunity in another, purely because of how that account is taxed. That's the logic that put VXUS and VYMI in the brokerage, and kept SCHD and the bond sleeve in the Roth.
VXUS & VYMI Live in Brokerage
Both pay foreign dividends, and foreign governments withhold tax on those dividends before they ever reach the fund. In a taxable brokerage account, that withheld tax converts into the Foreign Tax Credit (FTC) — a dollar-for-dollar credit against US tax owed. Inside a Roth IRA, there's no US tax owed in the first place, so that credit simply evaporates. Putting the international funds in the brokerage was the single highest-leverage asset-location move available here.
SCHD Stays in Roth
SCHD's dividends are almost entirely qualified, meaning outside a Roth they'd already get favorable long-term capital gains tax treatment. Inside the Roth, that already-good tax treatment becomes zero, permanently.
BND Stays in Roth
Bond interest is taxed as ordinary income — the least tax-efficient income type that exists. That makes a Roth the textbook-correct home for it: the worst-taxed income type goes in the account where tax is permanently zero.
FXAIX · FSMAX · AVUV Stay in Roth
Growth-oriented, low-turnover funds with modest dividend yields and no foreign tax credit to capture. No taxable-account advantage is being left on the table by holding them in the Roth.
Tax terms used above
| FTC | Foreign Tax Credit — a dollar-for-dollar US tax credit for foreign tax withheld on dividends, usable only in taxable accounts |
| Qualified dividend | A dividend taxed at the lower long-term capital gains rate (0/15/20%) instead of ordinary income rates |
| Ordinary income | The highest-taxed income category — applies to bond interest, short-term gains, and non-qualified dividends |
Live budget editor
Payoff impact — live
Phase 2 — after car paid off
Expected growth — Roth, Brokerage & total
Actual vs. originally projected
Portfolio milestones — including car balance
| Milestone | Age | Roth IRA | Brokerage | Total | Car balance |
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