Dom's Dashboard

Great Falls, VA · Code & Theory · Last updated March 15, 2026

47 days to ACT-IAC event
Action items
Finances
Budget
Properties
Life areas
🚣 Malcolm / Crew
⚡
ACT-IAC Event — April 30, 2026 · Code & Theory NY
High professional stakes. Speakers & content still to finalize. Must nail it.
0 of 20 done 0%

This week

6
Schedule in-person conversation with Dad about loan deferral
Finances · Single biggest lever — everything else follows from this
Urgent
Set up automatic Thursday Zelle/Venmo payment to Dayana ($300)
Home · Eliminates weekly payment reminders — biggest relationship fix
Urgent
Set up IRS payment plan for $8,953 outstanding 2025 tax
Finances · Do at IRS.gov — Online Payment Agreement. Penalties accrue monthly.
Urgent
Hand Dayana the housekeeping addendum in person this Thursday
Home · Warm handover, go over briefly, let her take it home
This week
Open BMW balloon savings account — start $2,000/mo now
Finances · ~$19K due Sep 10, 2026 — 6 months to save
This week
Text Dayana April deep-clean focus: "Mudroom & entryway deep clean"
Home · Per the addendum calendar — send before end of month
This week

This month

16
Have the Dad conversation — confirm deferral, discuss written amendment
Finances · Script prepared. Ask about formal amendment to loan document.
This month
Day deferral confirmed: redirect $3,651/mo to Charlotte's Amex personal card
Finances · $16,624 at 20% APR — highest priority paydown target
This month
Set CitiCard paydown plan — clear $12,878 before Sep 2026
Finances · 0% promo expires Sep 26 — same month as BMW balloon
This month
Share 2025 work retrospective with Claude → build per-leader messages
Work · High priority — condense into tailored messages for each leader
This month
Walk Charlotte through the budget dashboard together
Finances · She needs visibility. Use the three-tab dashboard from today's session.
This month
Audit Monarch — tag Emineer as business, fix Charlotte's card categories
Finances · Makes the budget trustworthy for both of you
This month
Brain dump full home repair and renovation backlog
Home · Side door handle, kitchen island vent, mudroom dresser, renovation scope
This month
Get rid of mudroom dresser — ask David (Meritt's dad) first, then sell
Home · Clear the mudroom for pool season
This month
Plan pool opening and book pool service (target late April)
Home · Book now before services get backed up for spring season
This month
CELI outreach for Charlotte
Ask Dom for details · Confirm specifics before reaching out
This month
Plan spring break trip + submit PTO request
Family · Include Apr 1 mandatory crew doubles (Scrimmage vs McLean) in planning
This month
Fix recycling bin
Home · Quick win
This month
Plan trip to Hilton Head to visit Mum and Dad
Family · Coordinate dates — can pair with Dad loan conversation if visiting in person
This month
Charlotte's birthday gift — April 3
Family · Don't leave this to the last minute
This month
Felix's birthday gift — April 9
Family
This month

Ongoing rhythms

5
Monthly: text Dayana next month's deep-clean focus (last Thursday)
Home · One text, once a month. Calendar is in the addendum.
Ongoing
Monthly: budget check-in with Charlotte — are we on track?
Finances · 15 minutes together. Shared visibility is the goal.
Ongoing
Monthly: confirm $2,000 BMW balloon savings transfer happened
Finances · Automate if possible. Sep 2026 deadline.
Ongoing
Review Schwab investments — are they working hard enough?
Finances · Not urgent but in backlog — schedule a proper review
Ongoing
School decision and co-parenting strategy — address in next Claude session
Family · Context already lives in Dom's Dashboard project
Ongoing

September 2026 deadlines

BMW balloon payment due
~$19,000 — Sep 10
CitiCard 0% promo expires
$12,878 — Sep 26
Months remaining to save
6 months
Required monthly BMW savings
$2,000/mo
Dayana annual rate review
September 2026 — Dom initiates
Monthly income
$31,800
Salary + rental income
Total non-mortgage debt
$247K
Cards + loans + autos
Monthly freed by deferral
+$3,651
Dad Loan → CC paydown
September 2026 crunch: BMW balloon (~$19K) + CitiCard 0% expiry ($12.9K) = ~$32K due within the same month. Plan is in motion — $2K/mo savings starting now.

Debt paydown sequence

1
Charlotte Amex personal
$16,624 at 20% APR · ~$277/mo interest · Target: gone Dec 2026
$16,624
2
Charlotte Amex business
$22,095 at 20% APR · ~$368/mo interest · Target: gone Mar 2027
$22,095
!
BMW balloon — Sep 10, 2026
~$18,961 due · Save $2K/mo now → $12K by Sep · ~$7K gap to bridge
$18,961
!
CitiCard — 0% expires Sep 26
$12,878 · Pay minimum now, clear before Sep 2026
$12,878
3
Charlotte Chase Sapphire + United
$6,054 at ~21% APR · After Amex cards cleared → gone ~May 2027
$6,054
4
Figure VA HELOC
$147,994 at 10% · Continue minimums, revisit after cards cleared
$147,994

Fixed obligations — never pay off early

Great Falls mortgage
$972,874 at 3.125% — excellent rate, locked
$6,486/mo
Harvard St mortgage (Charlotte's)
$579,327 at 2.9% — her property, separate finances. Never pay off early.
$3,374/mo
Dad Loan — deferral pending
$306,433 at 4.52% · Cheapest non-mortgage debt · Deferral = $3,651/mo freed
→ $0/mo
Mt Pleasant mortgage
$121,099 at 6% · Rental property — partially offset by rent
$1,863/mo
Amex personal loan (Dom)
$47,561 at 8.98% · Fixed payments through Dec 2028
$1,590/mo
By mid-2027 all high-interest card debt is eliminated. Monthly interest savings: ~$800/month that was previously being burned on nothing.
Monthly income
$31,800
All sources combined
Budget target
$29,800
Leaves ~$600 surplus
Actual avg (6mo)
$39,499
Before deferral + discipline
Two biggest levers: dining out ($1,600/mo savings possible) and shopping ($1,900/mo savings possible). Combined with the Dad Loan deferral, this gets you to surplus.

Housing — fixed

Great Falls mortgage
fixed
$6,486
$6,486
Figure VA HELOC
fixed
$1,310
$1,310
Dad Loan (after deferral)
deferred
$3,651
$0
Property tax (monthly avg)
fixed
$1,215
$1,215
Utilities + insurance
ok
$810
$810
Home maintenance (reactive avg)
watch
$1,835
$1,000
Housing subtotalTarget: $10,821

Debt service

Auto loans (BMW + Land Rover)
fixed
$2,138
$2,138
Amex personal loan
fixed
$1,590
$1,590
CC paydown (redirected from Dad Loan)
new
—
$3,651
Debt service subtotalTarget: $7,379

Food

Dining out (personal only)
reduce
$3,100
$1,500
Groceries
ok
$1,085
$900
Coffee
ok
$120
$100
Food subtotalActual $4,305 → Target $2,500

Lifestyle

Shopping (non-grocery)
reduce
$2,904
$1,000
Travel & vacation
watch
$952
$500
Entertainment & recreation
watch
$866
$500
Gifts
watch
$742
$300
Clothing
watch
$575
$300
Fitness (Pilates etc)
ok
$531
$531
Medical / wellness
ok
$471
$400
Lifestyle subtotalActual $7,037 → Target $3,531

Kids + household

Child support
fixed
$708
$708
Malcolm activities + education
ok
$1,427
$1,200
Kids allowance
ok
$713
$600
Dayana — house cleaner
ok
$1,200
$1,200
Kids + household subtotalTarget $3,708
Mt Pleasant (Dom's rental)
Washington DC · Tenant: Anusuya Sivaram
Rent received
+$2,809
Mortgage (SERV CT)
-$1,863
Condo fee (Renaissance)
-$740
Net monthly+$206
Harvard St (Charlotte's rental)
Washington DC · Charlotte's separate finances
Rent received (est.)
+$4,000
Mortgage (Chase)
-$3,374
Condo fee (ClickPay)
-$309
Net monthly+$317
Great Falls (family home)
Great Falls VA · No rental income
Mortgage (LoanDepot)
-$6,486
Figure VA HELOC (10%)
-$1,310
Tax + insurance + utilities
-$2,003
Dayana + pool + lawn
-$1,475
Total home cost-$12,038
The rental properties are essentially a wash — each nets ~$200–300/month. The real financial benefit is long-term equity growth, not monthly cash flow. Harvard St at 2.9% and Great Falls at 3.125% are excellent rates — never pay off early.

Property debt summary

Great Falls mortgage
3.125% · Matures Sep 2051 · Never pay off early
$972,874
Figure VA HELOC
10% · Matures Jun 2055 · Priority after cards cleared
$147,994
Harvard St mortgage (Charlotte)
2.9% · Matures Jun 2051 · Her separate finances
$579,327
Mt Pleasant mortgage
6% · Matures Aug 2034 · Offset by rental income
$121,099

Home repair backlog

Replace warped handle on side door
Great Falls · DIY or handyman
Replace down-vent on kitchen island
Great Falls · Contractor likely needed
Remove dresser from mudroom — ask David first, then sell
Great Falls · Clear for pool season
Plan pool opening — book service now (target late April)
Great Falls · Book before spring backlog builds
Clean up yard behind house for pool season
Great Falls · Seasonal prep
⚡
ACT-IAC Event — April 30, 2026 · Code & Theory NY Office
Led personally by Dom. High professional risk. Speakers & content still to finalize. Planning doc to share next session.
💰
Finances
Cash flow · Debt · Budget · Investments
High stress
▼
No cohesive system. Charlotte lacks visibility. Tight cash flow. High-interest card debt. Investments unmonitored. Plan in motion — Dad Loan deferral is the single biggest lever.
Key decision (Mar 14): Defer Dad Loan → redirect $3,651/mo to Charlotte's Amex cards. Ego was the only real obstacle. Emotional work done.
🏡
Home
Maintenance · Renovation · Household load
In progress
▼
Unfinished renovation, repairs backlog, seasonal upkeep. Dom carries lion's share of daily tidying. Dayana addendum produced — hand over next Thursday.
Payment to Dayana has been late every week. Set up automatic Thursday payment — this is the single fastest relationship fix.
💼
Work / BD
Public sector practice · Pipeline · ACT-IAC event
Active
▼
Army of one building a government practice. Partner-first strategy. Good pipeline but long capture cycles require organizational patience — leadership needs educating on this dynamic.
ACT-IAC event April 30 — 47 days away. Speakers and content not finalized. Must nail this. Planning doc to share next session.
2025 retrospective exists but hasn't been read by leadership — needs condensing into tailored per-leader messages. High priority this month.
❤️
Health & Wellbeing
Habits · Balance · Family dynamics · Blended family
Ongoing
▼
Genuine progress on mindfulness and balance. Habits exist but feel like compliance vs flow. Blended family is the center of gravity — actively building something real with Charlotte and Malcolm.
👥
Friendships
Inner circle · Reciprocity · Proactive rhythm
Healthy
▼
Post-tumult, deliberately curated circle. Wedding was a natural filter. New friendships forming. Risk: gets crowded out when life gets heavy. Needs to be treated as genuine priority.
🚣
Malcolm Sale · Freshman Coxswain · Langley High School
Virginia State Champions every year since 2012 · First race: Walter Mess — March 28
13d
to first race

Immediate — by March 21

5
Complete USRowing individual membership for Malcolm
Required before he can race · usrowing.org → Individual/Join → Club: Langley Crew Boosters · Code: BH9VS · ~$20
Urgent
Verify / pay Square invoice for Malcolm's uniform
$140 + tax from LHS Crew Square account · Check email for invoice
Urgent
Sign up for VASRA volunteer shifts — 20 hours minimum
Email langleycrewvolunteers@gmail.com to check current count · Bus chaperone = 4 hrs, VASRA shift = 3–6 hrs
Urgent
Buy Malcolm waterproof jacket + pants
Essential for Occoquan — always 10–15°F colder on water. Also get backup battery charger (Sandy Run has poor cell coverage)
Urgent
Attend Polar Bear Regatta as spectators (Mar 21)
Not freshman-eligible but perfect scouting opportunity · Park at South County HS (8501 Silverbrook Rd, Lorton) · Bring cash, binoculars, layers
This week

Before Walter Mess — Malcolm's first race (Mar 28)

4
Study Occoquan course map together
Use satellite imagery · Identify buoys, bridges, start/finish, landmarks · Malcolm will feel more confident knowing the course cold
Pre-race
Help Malcolm write his first race plan
Rate changes, Power 10 move points, landmark-based calls · Write on a waterproof notecard, not phone
Pre-race
Pack race day kit with Malcolm
Charged cox box · Notebook + pencil (not pen — ink runs) · Layers · Water + snacks · Tool kit · Phone + battery charger · Labeled clothes crate
Pre-race
Set up race recording process for Malcolm's calls
Audio recording of calls becomes his development tool AND future recruiting portfolio · Do this from Day 1 — every race
Pre-race

Admin to verify

2
Confirm VHSL physical form received by Langley Athletic Office
Verify status — required for competition eligibility
Verify
Investigate FCPS Level-3 volunteer status (Dom or Shanti)
Required for bus chaperoning · Confirm who can qualify and what the process is
Investigate

Ongoing — season-long rhythms

6
Track volunteer hours weekly
Email langleycrewvolunteers@gmail.com · 20 hrs min · Plan shifts around regatta dates
Ongoing
Monitor Malcolm's attendance — zero tolerance
>1 miss/week = no race that weekend · Help him plan school obligations around crew, not the other way around
Ongoing
Check VASRA heat sheets each Friday evening
vasra.org · Know Malcolm's lane, event, and competitors before race day
Ongoing
Weather check every Wednesday for Saturday race
Plan clothing layers accordingly · Remind Malcolm to pack gear the night before
Ongoing
Weekly encouragement ritual with Malcolm
One evening/week: watch a coxswain recording together, discuss race plans, or just check in · Ask "How did you lead today?" not "Did you win?"
Ongoing
Plan travel for away regattas
Manny Flick (Apr 19, Philadelphia) · Stotesbury Cup (May 15–16, Philadelphia) · SRAA Nationals (May 22–23, Oak Ridge TN) — hotels needed
Book ahead

2026 Season Calendar

Date · Regatta · Venue
Malcolm eligible?
Mar 21 · Polar Bear · Occoquan
Watch only — varsity
Mar 28 · Walter Mess · Occoquan
✓ FIRST RACE
Apr 1 · Scrimmage vs McLean · Potomac
✓ Spring Break — family drives
Apr 4 · Darell Winslow · Occoquan
✓
Apr 11 · Whitman · Potomac River
✓ Different venue — study course
Apr 18 · Ryz Obuchowicz · Occoquan
✓ Mid-season check
Apr 19 · Manny Flick · Philadelphia
✓ Select boats · overnight
Apr 25 · Al Urquia · Occoquan
✓ Last regular-season regatta
May 2 · States Day 1 · Occoquan
✓ THE BIG ONE for freshmen
May 9 · States Day 2 · Occoquan
Upper boats only
May 15–16 · Stotesbury Cup · Philadelphia
✓ Select · largest HS regatta in US
May 22–23 · SRAA Nationals · Oak Ridge TN
✓ Medalists from States only

Regatta day logistics (Occoquan)

Spectator parking
South County HS — 8501 Silverbrook Rd, Lorton
Shuttle
$15 round trip · Grandstand van $5 each way · Cash only
Athlete/volunteer dropoff
Lot D
Trail to grandstand
Lot C · ~15 min walk, hilly and unpaved
VASRA volunteer check-in
1 hour early at boathouse tent · No children at volunteer assignments
What to bring
Cash · binoculars · layers · padded seat · snacks · sunscreen

Already done ✓

SportsEngine registration + $2,350 fee
Complete
Malcolm's swim test (passed Feb 26, 2026)
Complete
Arbiter school athletics registration
Complete
Uniform order (JL Rowing, Size Small)
Complete — invoice payment still to verify
🎓 College recruiting note: D1 coaches can officially contact recruits June 15 after sophomore year. Start recording every race from Day 1 — these recordings become Malcolm's portfolio. Langley regularly places coxswains in top collegiate programs.
Last updated March 15, 2026 · Dom's Dashboard