Audit Installment Card Routing — 9405 vs 0405

Codified from Gmail draft 19dc112c26d80bb6 · Apr 24 2026

Honest answer first

OBLIGATIONS.md flags this: "Card routing 9405 vs 0405 needs audit — don't assume."
If routed wrong: business expenses hit personal card or vice versa = tax mess + accounting reconciliation pain at year-end.
30 minutes now. Saves hours at tax time.

The installments — current state

Card key:
- 9405 = Hook Street business debit
- 0405 = personal checking

Step 1 — Determine correct card per item (15 min)

For each, ask: "Was this purchase a business expense?"

1. AFFIRM APPLE ($210.54 × 6 mo through Sep 23)
   - What was purchased? (likely Mac, iPhone, or accessory)
   - Used for: Hook Street work / personal / both?
   - If primarily business → 9405
   - If primarily personal → 0405
   - If mixed → personal, expense % to business at year end

2. AFFIRM PRICELINE #1 ($224.80, ends Sep 2)
   - What trip? Business travel (EG, STR Orlando) or personal?
   - Currently 0405 — change to 9405 if business

3. AFFIRM PRICELINE #2 ($257.06, ends Sep 16)
   - Same question — what trip?
   - Currently 0405

4. AFFIRM AMAZON ($54.40, ends Jul 17)
   - What item(s)? Check Amazon order history
   - Office supplies / business → 9405
   - Personal → 0405

5. KLARNA KARP AUTO ($134.99 final, May 1)
   - Car-related = personal (unless dedicated business vehicle)
   - Currently 9405 business — VERIFY this should not be personal
   - Last payment May 1 — fix routing before then or it doesn't matter

Step 2 — Update each autopay (15 min)

AFFIRM:
1. Open Affirm app or affirm.com
2. Account → Manage Autopay
3. Per loan: select correct card
4. Save and verify confirmation

KLARNA:
1. Open Klarna app or klarna.com
2. Payments → Saved Cards → Set default for Karp Auto loan
3. Save

Step 3 — Update OBLIGATIONS.md (5 min)

Open OBLIGATIONS.md. Replace "TBD" entries with confirmed card last 4. Update the date stamp at top. Commit to hookstreet-workspace repo.

Step 4 — Establish future rule (5 min)

Going-forward principle:
- Before signing up for ANY new installment plan, decide which card upfront
- Business purchases default to 9405
- Personal purchases default to 0405
- Mixed-use defaults to 0405 (cleaner for tax)

Add this to CONTEXT.md "Core Operating Principle" section.

Done state

Every installment routes to correct card. OBLIGATIONS.md has zero "TBD" entries. Year-end accounting clean. Future installments default-routed correctly.