May 2026 Autopay Pre-fund Analysis

Generated 2026-04-28 ~12:11 AM EDT (overnight Session 17 prep, auto mode)
Source: BOS Monthly Obligations v2 (1qNYUbbvaLxpO3DfUiwmb3_3jLvrTnAYNjKeuje7qTl4) — read 2026-04-28 00:11 ET
Cross-ref: docs/OBLIGATIONS.md (Apr 19), docs/MASTER_ACTION_MAP.md (Apr 16), .claude/memory/reference_card_account_map.md (Apr 20 CSV-verified)
Audience: Sam — pre-fund actions for Apr 30 EOD ahead of May 1 + first-week-May autopays

TL;DR

Total to pre-fund by Apr 30 EOD (May 1–7 cash needs): ~$10,915 across the visible v2 obligations, plus the installment auto-debits ($210.54 + $224.80 + $54.40 + $134.99 + Apr-28-due AAdvantage/Citi-0157/USB-7496 minimums whose balances are blank). Headline pre-fund target: ~$11,200 (with $290 buffer for unknown minimums).
Hottest account: Chase 7792 — needs ~$3,961 for Darchei + BYAM + Honda + (and 7792-routed Citi-0157 + USB-7496 minimums whose balances are blank). 7792 is also the account Sam manually transfers INTO from 5609 (per CSV forensics) — this is the bottleneck.
Second hottest: Chase 5609 (personal checking) — needs ~$1,514 confirmed (Citi 2550 $528.53 + Citi $307 + Chase Ink Plus 4089 $274 + Geico $483.90 via debit-0405) plus Affirm/Priceline auto-debits hitting card 0405 (~$692 across May 1, May 2, May 16, May 17).
Account 1260 (business) — Klarna Karp final $134.99 hits May 1 from card 9405. Per memory: "Paid Apr 17 from 1260 ✓" — so this may already be cleared. Verify Klarna shows zero balance before funding. No other v2-confirmed hits to 1260 in May 1–7 window.
Chase 5777 — funds two large items mid-month (Fifth Third $3,312.59 May 15 + US Alliance HELOC $1,248.50 May 25 + Selene $3,450 May 15 + Shellpoint $3,853.33 May 15 + William Penn $596 May 15) — outside the May 1–7 window but worth flagging since the next refresh is May 14-ish.

May 19 mortgage proof update

Treat the Shellpoint/Selene figures in the original Apr 28 body as stale. May 15 portal screenshots saved in STR-Operations/mortgage-proof/2026-05/ verify:

Item	Apr 28 planning figure	May 15 verified figure	Routing note
Shellpoint 9332	$3,853.33	$3,161.51	Pay-from account not visible in screenshot; older 5777 assumption remains unverified
Selene 9312	$3,450.00	$3,379.91	Portal shows Checking Account (6651); live BOS v1 corrected from `9332 - 2528` to `9312 - 6651` on May 19
STR subtotal	$7,303.33	$6,541.42	Decrease vs old plan = $761.91

Do not use this old Apr 28 file alone for mid-month mortgage funding. Re-run account-level funding logic from the live BOS row plus portal proof before moving money.

Items that need MANUAL touch (not autopay) before May 1

🚨 National Grid Gas $831.77 due May 1 — flagged "Not Scheduled / Urgent" in v2. Pay From not assigned. Sam picks an account + pays manually.
🚨 Citi $307 due May 3 — flagged "Urgent!" status (autopay listed but status row says Urgent — verify autopay is actually live).
🚨 Agudah $200 due May 1 — Manual payment ($200 × 2/mo on 1st + 15th). Pay From: TBD. Sam picks account.
⚠️ Arievim $341.67 due May 1 — Autopay listed but Pay From is blank. Verify which card/account is on file.

May 1, 2026 (Friday) — items

Payee	Amount	Auto/Manual	Pays From	Card → Account	Notes
Darchei Tuition	$2,281.82	Autopay	Chase7792 (per v2)	—	⚠️ CSV forensics (Apr 20) say Darchei actually pulls from 5609 via WEB ID 9001723462. Conflict between v2 sheet and CSV. Verify before funding.
BYAM Tuition	$1,100.00	Autopay	Chase7792	—	Kids tuition
Arievim	$341.67	Autopay	TBD (blank in v2)	—	Final or near-final installment ($2,550 total, $2,208.35 paid). Pay From not in sheet.
Agudah Camp	$200.00	Manual	TBD (blank in v2)	—	Manual $200 × 2/mo (1st + 15th). ~3-4 payments left. Sam picks account + pays.
National Grid Gas - 589	$831.77	Not Scheduled / Urgent	TBD (blank in v2)	—	🚨 Manual. Sam assigns + pays.
SBA loan	$113.61	Autopay	(blank in v2)	—	Status "Paid - refresh data" — verify it's still active or was paid early.
Kia Payment Car	$599.00	Scheduled	(blank in v2)	—	Status "Paid - refresh data" — verify before counting as a May obligation.
Klarna Karp Auto	$134.99	Autopay (FINAL)	Card 9405 → Acct 1260 (business)	9405 → 1260	Per memory: "FINAL May 1. Paid Apr 17 from 1260 ✓". May already be cleared — verify Klarna account shows $0 before funding. Not a row in v2 sheet (installments live outside obligations table).
Affirm — Apple	~$210.54	Autopay	Card 0405 → Acct 5609 (personal)	0405 → 5609	Per OBLIGATIONS.md "Pay From: TBD" but memory says Apr 23 hit, ends Sep 23. May installment date unconfirmed — check Affirm app for May date. Sam's PICKUP draft listed this for May 1 prefund — flagging discrepancy.

May 1 visible total (v2 rows): $5,468.07 Darchei + BYAM + Arievim + Agudah + NGrid + SBA + Kia
Plus installment auto-debits (not in v2, sourced from memory): Klarna $134.99 (likely already paid)
= ~$5,603.06 on May 1 alone

May 2–7 — items

Date	Payee	Amount	Auto/Manual	Pays From	Notes
May 2 (Sat)	Affirm — Priceline #1	~$224.80	Autopay	Card 0405 → Acct 5609	Per memory: Next May 2, ends Sep 2. Not in v2 sheet.
May 3 (Sun)	Citi Card 2550	$528.53	Autopay	Chase5609	High utilization 97.16% — min payment only
May 3 (Sun)	Citi (Zee, $14,523 bal)	$307.00	Autopay (status "Urgent!")	Chase5609	⚠️ Status flagged Urgent! — verify autopay is live
May 5 (Tue)	Geico Car Insurance	$483.90	Autopay (status "Pending - Inspect")	Debit-0405 → Acct 5609	6-month premium, hits 5609 via card 0405
May 6 (Wed)	(Art - Libby — ARCHIVED 2026-04-26)	$0	—	—	Archived row, no $$ amount in v2 — ignore
May 7 (Thu)	no v2 obligations dated May 7	—	—	—	—

May 2–7 visible total: $1,319.43 (v2 rows) + ~$224.80 Priceline #1 = ~$1,544.23

Pre-fund needed per account (cluster view)

Account (last 4)	Total May 1–7	Already funded?	Gap to fill by Apr 30 EOD
Chase 7792	$3,381.82 (Darchei $2,281.82 + BYAM $1,100) — see ⚠️ Darchei conflict below	❓ Sam to verify balance	$3,381.82 minus current 7792 balance
Chase 5609 (personal)	$1,109.53 visible (Citi 2550 $528.53 + Citi $307 + Chase Ink Plus 4089 $274 — but Ink Plus is May 20, not May 1–7; pulled from cluster below)	❓ Verify	$835.53 (Citi 2550 + Citi) for May 1–7 window
Acct 5609 via card 0405 (Geico + Affirm/Priceline)	$483.90 Geico + ~$210.54 Apple + ~$224.80 Priceline #1 = $919.24	❓ Verify	$919.24
Acct 1260 (business, via card 9405)	$134.99 Klarna (likely already paid Apr 17)	✅ likely $0	$0–$134.99 depending on Klarna verification
Unassigned / TBD	$1,373.44 (Arievim $341.67 + Agudah $200 + NGrid $831.77 — all Pay From blank)	❌ No	Sam picks accounts + funds $1,373.44
Chase 5777	$0 in May 1–7 window	n/a	n/a — but big bills mid-May ($12,460 across Fifth Third + HELOC + Selene + Shellpoint + William Penn)
9312-6651 / 9332-2528 (FL property accounts)	$0 in May 1–7	n/a	Duke + Toho hits — dates blank in v2, Pay From assigned but timing unknown
SBA + Kia (blank Pay From)	$113.61 + $599.00	❓ Verify status	Verify "Paid - refresh data" status — may not need funding

Bottom-line pre-fund target by Apr 30 EOD

Chase 7792                              $3,381.82  (or less if 7792 already has balance)
Chase 5609 (direct ACH/autopay)         $835.53    (Citi 2550 + Citi, May 3)
Acct 5609 via card 0405                 $919.24    (Geico + Apple + Priceline #1)
Acct 1260 (Klarna, if not paid)         $134.99    (verify first)
Unassigned (NGrid, Agudah, Arievim)     $1,373.44  (Sam assigns + funds)
SBA + Kia (verify if active)            $712.61    (likely zero — sheet says "Paid - refresh")
                                        ─────────
                                        ~$7,357.63 firm + up to $712.61 conditional
                                        = ~$7,357 to ~$8,070

+ Mid-month pile-up to plan for (NOT due May 1–7 but funds Chase 5777):
- May 12: Citi Simplicity 0157 (date 4/28 in v2, but autopay status — Pay From Chase7792)
- May 12: Chase Chase - PV 6377 (Chase5609 autopay, balance blank)
- May 15: Fifth Third $3,312.59 + Selene $3,450 + Shellpoint $3,853.33 + William Penn $596 = $11,211.92 from Chase 5777
- May 20: Chase Ink Plus 4089 $274 (Chase5609)
- May 22: USB Busn 0049 $239 (Chase7792)
- May 23: Honda $475 (Chase7792 per v2 — but CSV forensics say it pulls from 1260)
- May 25: US Alliance HELOC $1,248.50 (Chase 5777)

Specific items Sam flagged in PICKUP draft (verify each is captured)

[x] Affirm Apple — date estimated May 1 (memory says Apr 23 / Sep 23 schedule, so May date is around May 23 — Sam's draft says May 1). Amount $210.54. Pays from card 0405 → acct 5609. DATE CONFLICT — verify in Affirm app.
[x] Priceline (instance 1) — May 2 · $224.80 · card 0405 → acct 5609. Confirmed in memory.
[x] Priceline (instance 2) — May 16 · $257.06 · card 0405 → acct 5609. NOT in May 1–7 window but flagged here per Sam's draft. Add to mid-May funding.
[x] Amazon Affirm — May 17 · $54.40 · card UNCONFIRMED → acct UNCONFIRMED. NOT in May 1–7 window, also routing unknown — Sam to verify in Affirm app.
[x] Klarna Karp — May 1 · $134.99 · card 9405 → acct 1260. FINAL payment. Memory says "Paid Apr 17 from 1260 ✓" — verify $0 balance in Klarna before funding 1260.

Routing flags (per `reference_card_account_map.md`)

9405 sits on 1260 (chronic overdraft pattern — 11 OD fees in 2025 = $374 lost). Verizon FL line + Honda historically hit here. Klarna $134.99 May 1 also hits 1260.
0405 sits on 5609. All four Affirm installments (Apple, Priceline ×2, Amazon-TBD) plus Geico hit 5609 via card 0405. 5609 is healthier than 1260 — fund 5609 first.
7792 is an ACCOUNT, not a card (per CSV forensics Apr 20). Sam transfers INTO 7792 from 5609. v2 sheet lists Chase7792 as Pay From for: Darchei, BYAM, Honda, USB Busn 0049, Citi Simplicity 0157, USB Busn 7496. Conflict: CSV says Honda actually pulls from 1260, and Darchei from 5609 via ACH WEB ID 9001723462. The v2 sheet's "Chase7792" routing on these may be wrong — surface to Sam.
Chase 5777 holds the big mortgage/insurance hits mid-month — not a May 1–7 concern.

Installment-plan routing concerns surfaced in this audit

Affirm Apple May date discrepancy — Sam's PICKUP draft says May 1 prefund. Memory schedule says monthly on the 23rd (Apr 23 → May 23 → ... → Sep 23). Apple Affirm may have re-scheduled OR Sam was being safe pre-funding early. Check Affirm app for actual May debit date.
Amazon Affirm $54.40 routing unknown — memory says "UNCONFIRMED". OBLIGATIONS.md says "TBD". Sam needs to open Affirm app and confirm what card is on file before Apr 30 — if it's card 9405 and hits 1260, that's another 1260 overdraft risk.
Klarna Karp final payment — memory says paid Apr 17 from 1260. If Klarna already auto-debited the final $134.99 in April, May 1 is a non-event. Verify in Klarna app/email before funding.
Honda routing conflict — v2 says 7792, CSV (Apr 20) says 1260. Honda is May 23, not in May 1–7 window, but this is a 1260 hit Sam may not be expecting.

Action list for Sam (Apr 30 — Thursday)

By 5pm EDT Apr 30

Transfer $3,381.82 → Chase 7792 to cover Darchei $2,281.82 + BYAM $1,100 hitting May 1. (If CSV is right and Darchei pulls from 5609 instead, the 7792 transfer drops to $1,100 BYAM — verify by opening last month's 5609 statement and looking for "WEB ID 9001723462" Darchei pull.)
Confirm Chase 5609 has ≥ $1,755 clear by Apr 30 EOD to cover: $528.53 Citi 2550 (May 3) + $307 Citi (May 3) + $483.90 Geico via 0405 (May 5) + $210.54 Affirm Apple via 0405 (May 1 per draft, May 23 per memory) + $224.80 Priceline #1 via 0405 (May 2). Total exposure on 5609 May 1–5: $1,754.77.
Pick a Pay-From for the 3 unassigned items (NGrid $831.77, Arievim $341.67, Agudah $200 = $1,373.44 total) and fund that account by EOD. Recommend: 5609 (healthier) for NGrid + Agudah, and verify which card Arievim has on file.
Verify Klarna Karp $0 balance — if it auto-debited Apr 17 from 1260 already, May 1 is a non-event and 1260 needs no top-up. If not, fund 1260 with $135 + buffer.
Open Affirm app — confirm Apple installment May date AND confirm Amazon Affirm card-on-file. Screenshot to Sam's drafts.
Verify "Paid - refresh data" status on SBA $113.61 + Kia $599 — these show as scheduled May 1 but the v2 status row says they're already paid/inactive. If still active, add $712.61 to pre-fund total.

Items Sam should manually pay (not autopay) by May 1

National Grid Gas $831.77 — pay direct via NGrid portal, choose 5609 or business account.
Camp Agudah $200 — manual every 1st + 15th. $200 to camp (mail or portal).

Mid-month forecasting (book a separate session ~May 14)

Chase 5777 needs ~$12,460 by May 14 EOD for May 15 mortgage/insurance pile-up (Fifth Third + Selene + Shellpoint + William Penn).
Chase 5777 needs another $1,248.50 by May 24 for HELOC.

Open data gaps (flagged for Sam to fill)

Field	Item	Issue
Pay From	Arievim	Blank in v2. Need card last-4.
Pay From	Agudah	Blank in v2. Manual, but which account?
Pay From	National Grid Gas	Blank in v2. Status "Urgent!" / Not Scheduled.
Pay From	SBA	Blank in v2. Status "Paid - refresh data" — is it still active?
Pay From	Kia	Blank in v2. Status "Paid - refresh data" — is it still active?
Pay From	Amazon Affirm	UNCONFIRMED in memory. Sam check Affirm app.
Date	Affirm Apple May	Sam's draft says May 1 prefund. Memory says monthly on 23rd. Pick one.
Status	Klarna Karp final	Memory says paid Apr 17. Sheet still shows it. Verify $0 balance.
Pay From conflict	Darchei Tuition	v2 says Chase7792. CSV forensics say 5609 via WEB ID 9001723462.
Pay From conflict	Honda Payment Car	v2 says Chase7792. CSV forensics say 1260. (Not in May 1–7 window — May 23.)
Min Due	Citi Simplicity 0157, Amex Busn SPG, Chase PV 6377, USB Busn 7496, Barclay AAdvantage	All show "NEEDS BALANCE — paste Chase/Rocket Money CSV". v2 dates show Apr 27/28 due — if these have minimums, they're already-overdue. ⚠️ Apr 27 was YESTERDAY.

⚠️ OVERDUE-RISK FLAG: Three v2 rows show due dates of Apr 27 (Citi Simplicity 0157) and Apr 28 (Barclay AAdvantage, USB Busn 7496) — yesterday and today. Min Due is blank because Sam hasn't pasted balances yet. Sam needs to verify these autopayed correctly OR pay min today (Apr 28) before they go past due.

Source trail

BOS v2 sheet: 1qNYUbbvaLxpO3DfUiwmb3_3jLvrTnAYNjKeuje7qTl4 ("Monthly Obligations v2") — read 2026-04-28 00:11 ET via Google Drive MCP read_file_content
Cross-ref docs: C:\Users\ztrei\OneDrive\2. Hook Street\05. 2026 BH\docs\OBLIGATIONS.md (Apr 19 baseline), docs\MASTER_ACTION_MAP.md (Apr 16)
Card → account routing: C:\Users\ztrei\.claude\projects\C--Users-ztrei-OneDrive-2--Hook-Street-05--2026-BH\memory\reference_card_account_map.md (Apr 20 CSV-verified, with conflicts to OBLIGATIONS.md flagged)
Local file: C:\Users\ztrei\OneDrive\2. Hook Street\05. 2026 BH\docs\MAY_AUTOPAY_PREFUND_2026-05.md
Workspace commit at write time: 0689619 (master)
Generated: 2026-04-28 ~12:11 AM EDT

Generated by Claude Code subagent (general-purpose) for Session 17 overnight prep · Opus 4.7 (1M context) · Auto mode · READ-ONLY against the BOS v2 sheet

APPENDIX — corrections from Sam's screenshots (Apr 28 12:35-12:37 PM EDT)

Source: Sam's iPhone Klarna + Affirm app screenshots. New memory: reference_affirm_klarna_schedules.md.
Treat the appendix as authoritative; it overrides the body where they conflict.

Klarna Karp — corrected

Was (body §May 1)	Now (verified)
$134.99 May 1, "may already be paid Apr 17"	$80.59 May 1 — Karp Automotive Inc, 4 of 4 (FINAL), AutoPay in 3 days, hits card 9405 → acct 1260

Action: fund acct 1260 with $81 + buffer by Apr 30 EOD. Klarna does NOT need verification of $0 — the screenshot confirms $80.59 will autopay May 1.

Affirm — verified schedule (overrides body §May 1 + §May 2-7)

Total May Affirm exposure on 5609 (via card 0405) = $848.70 (not "around $700" as body estimated).

Date	Plan	Amount	Was in body?
May 2 (Sat)	Priceline #1	$224.80	✓ correct
May 16 (Sat)	Priceline #2	$257.06	✓ flagged for mid-month
May 17 (Sun)	Amazon #1	$54.40	✓ flagged for mid-month
May 23 (Sat)	Apple	$210.54	🚨 BODY HAD THIS WRONG — said May 1, actual is May 23
May 28 (Thu)	Priceline FLIGHT (NEW PLAN)	$59.06	❌ NOT in body — new plan started Apr 25
May 29 (Fri)	Amazon General (NEW PLAN)	$42.84	❌ NOT in body — new plan started Apr 27

Implications for May 1-7 window:
- Affirm exposure in May 1-7 window is only $224.80 (Priceline #1 May 2). Apple is mid/late month, not first-of-month.
- The body's calculation that included Apple in May 1-7 = OVERSTATED by $210.54.

Corrected May 1-7 pre-fund target

Account	Body said	Now (corrected)
Acct 1260 (Klarna)	$0–$134.99 (verify Klarna)	$80.59 firm (Karp final)
Acct 5609 via card 0405 (Affirm + Geico)	$919.24	$708.70 ($224.80 Priceline #1 May 2 + $483.90 Geico May 5 — Apple is NOT in window)
Other accounts	unchanged	unchanged
NEW total firm		~$7,150 (down from ~$7,357 — Apple subtracted from May 1-7)
Plus conditional SBA + Kia		~$712 if active
Headline target		~$7,150–$7,860

Adjusted "Action list for Sam (Apr 30 — Thursday)" — replaces body §

Transfer $3,381.82 → Chase 7792 (Darchei + BYAM) — same as body, BUT verify Darchei routing first (CSV says 5609 not 7792)
Confirm Chase 5609 has ≥ ~$1,544 clear by Apr 30 EOD (Citi 2550 $528.53 + Citi $307 + Geico $483.90 + Affirm Priceline #1 $224.80) — NOT $1,755 as body said (Apple subtracted)
Fund acct 1260 with $81 for Klarna Karp final (confirmed via screenshot)
Pick accounts for unassigned (NGrid + Agudah + Arievim = $1,373.44) — same as body
Apple Affirm $210.54 on May 23 — fund acct 5609 with this by ~May 21 EOD (separate window from May 1 prep)
Priceline FLIGHT $59.06 May 28 + Amazon General $42.84 May 29 — fund acct 5609 with another ~$102 for end-of-month (small; can roll into May 21 transfer)
Verify "Paid - refresh data" status on SBA + Kia
Set up Eagle's Eye Pool Service recurring payment via QuickBooks (deadline May 5)
Call US Bank Bus 7496 about APR jump (4.9% → 19.49%)

Memory + sheet updates queued

New memory reference_affirm_klarna_schedules.md — source of truth for installments
BOS v2 sheet still has stale Affirm/Klarna data — defer schema decision (add INSTALLMENT_PLANS rows or separate tab) to Sam
v2 row "Klarna Karp" should update from $134.99 → $80.59 + status "Autopay confirmed May 1" (per screenshot)
v2 row "Affirm Apple" should update date to May 23 (not May 1)

Appendix added 2026-04-28 12:55 PM EDT · post-screenshot verification