## Summary

Gross inflows total **$6,854.22** (Gusto payroll $5,850 + United Airlines refund $500 + interest $4.22 + credit card payment credit $500). Net cash flow is difficult to pin down cleanly because several transactions appear duplicated (see Anomalies). Stripping out credits/payments, gross spending is approximately **$2,295.46**, dominated by what look like credit card autopayments and two suspiciously round $500 charges at KFC and Madison Bicycle Shop — both appearing twice.

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## Top Spending Categories

| Category | Total | % of Spending | Notable Merchants |
|---|---|---|---|
| Credit Card / Debt Payments | $4,157.00 | ~59% | AUTOMATIC PAYMENT - THANK (×2) |
| Savings / Investment | $1,025.00 | ~14.5% | CD DEPOSIT $1,000; Credit Card 3333 $25 |
| Bicycle / Sports Equipment | $1,000.00 | ~14% | Madison Bicycle Shop (×2 — likely duplicate) |
| Food (Fast Food) | $1,012.33 | ~14% | KFC (×2 — likely duplicate), McDonald's $12, Starbucks $4.33 |
| Entertainment / Recreation | $167.90 | ~2.4% | FUN $89.40, Touchstone Climbing $78.50 |
| Transportation | $11.73 | ~0.2% | Uber ×2 |

> *Note: KFC $500 and Madison Bicycle Shop $500 each appear twice — totals above reflect raw data as-is.*

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## Recurring Charges Detected

| Merchant | Frequency | Typical Amount | Last Seen | Flag? |
|---|---|---|---|---|
| AUTOMATIC PAYMENT - THANK | Monthly (×2 in period) | $2,078.50 | 2026-06-22 | ⚠️ Two hits — duplicate or two separate cards? |
| Madison Bicycle Shop | Appears ×2 | $500.00 | 2026-06-22 | ⚠️ Duplicate likely |
| KFC | Appears ×2 | $500.00 | 2026-06-22 | ⚠️ Duplicate + $500 at KFC is anomalous |
| Uber | ~Biweekly | $5–7 | 2026-06-13 | ✅ Fine |
| Touchstone Climbing | Monthly (inferred) | $78.50 | 2026-06-11 | 🔍 Gym membership? Confirm if used regularly |

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## Anomalies

| Transaction | Date | Amount | Issue |
|---|---|---|---|
| **KFC** | 2026-05-23 & 2026-06-22 | $500.00 each | $500 at KFC is almost certainly miscategorized or erroneous — no KFC order is $500 |
| **Madison Bicycle Shop** | 2026-05-23 & 2026-06-22 | $500.00 each | Exact same merchant + amount 30 days apart — likely a duplicate charge or pending-then-posted artifact |
| **AUTOMATIC PAYMENT - THANK** | 2026-05-23 & 2026-06-22 | $2,078.50 each | Two identical autopayments in one period — could be May + June payments both posting, but worth confirming only one card is being paid |
| **FUN** | 2026-06-09 | $89.40 | Vague merchant name — unknown what this is; flag for review |
| **Tectra Inc** | 2026-05-24 | $500.00 | Unknown merchant — software, services, or scam-adjacent; needs identification |
| **United Airlines** | 2026-05-29 (charge) / 2026-06-11 (refund) | +$500 / -$500 | Looks like a purchase that was fully refunded — net zero, but confirm refund cleared |

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## Savings Opportunities

- **Idle cash**: Your Gusto deposit was $5,850 this cycle. After the autopayment (~$2,078) and real expenses, you likely have $2,000–3,000 sitting in checking doing nothing. High-yield savings accounts are currently running around 4–5% APY — context only, but parking idle cash there rather than in a zero-interest checking account compounds meaningfully over a PhD timeline.
- **CD deposit ($1,000)**: Good instinct. Make sure the rate and term match your liquidity needs given intern income variability.
- **Touchstone Climbing ($78.50/mo)**: ~$942/year. Fine if you're climbing weekly. If usage has dropped off during busy lab/intern months, consider pausing.
- **"FUN" ($89.40)**: Unidentified. Identify and confirm it's intentional — ambiguous merchant names are a common vector for forgotten subscriptions or trial-to-paid conversions.
- **Tectra Inc ($500)**: Completely opaque. This needs to be identified before the next cycle.
- **KFC "transactions"**: If these are real charges and not data artifacts, $500 at KFC twice in one period is a data/fraud issue, not a spending issue.

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## Recommendations (max 3)

1. **Audit KFC $500, Madison Bicycle Shop $500 (×2 each), and Tectra Inc $500 immediately.** Four of your five largest non-payment transactions are either flagged duplicates or unknown merchants. Log into your bank and card statements directly — if any of these are duplicate postings or unauthorized, dispute them now. That's potentially $1,500+ in erroneous charges.

2. **Identify "FUN" ($89.40) and Tectra Inc ($500) by merchant.** Pull the full transaction detail from your bank app — both should have a full merchant descriptor. If Tectra is a software subscription you're not using, cancel it. If "FUN" is a recurring charge you can't immediately name, cancel it.

3. **Confirm you have only one autopayment setup per card.** Two identical $2,078.50 AUTOMATIC PAYMENT hits in one 30-day window could mean you're double-paying a single card or paying two separate cards — either way, map every autopayment to a specific account so you know exactly what's being paid and when.