{
  "profile": {
    "name": "Alex Morgan",
    "currency": "CAD",
    "fye": "December 31",
    "_onboarded": true,
    "_obAnswers": {
      "ownsHome": ["Own — mortgage"],
      "hasVehicles": ["Car", "Motorcycle"],
      "hasInvestments": ["TFSA", "RRSP", "Stocks / ETFs", "Crypto"],
      "hasDebts": ["Mortgage", "Car loan", "Credit cards"],
      "incomeType": ["Salaried / full-time", "Freelance / contract"],
      "hasSavings": ["Emergency fund", "Down payment", "Travel", "Retirement"],
      "hasValuables": ["Jewelry / watches", "Power tools & equipment", "Electronics"]
    }
  },

  "accounts": [
    {
      "id": 1000001,
      "name": "TD Everyday Chequing",
      "institution": "TD Bank",
      "balance": 4820,
      "type": "chequing",
      "interestRate": 0,
      "scheduledDepositDay": "1, 15",
      "scheduledDepositAmount": 2400,
      "notes": "Primary spending account"
    },
    {
      "id": 1000002,
      "name": "EQ Bank High-Interest Savings",
      "institution": "EQ Bank",
      "balance": 18500,
      "type": "savings",
      "interestRate": 4.75,
      "scheduledDepositDay": "1",
      "scheduledDepositAmount": 500,
      "notes": "Emergency fund + overflow savings"
    },
    {
      "id": 1000003,
      "name": "TFSA — Wealthsimple",
      "institution": "Wealthsimple",
      "balance": 31200,
      "type": "tfsa",
      "interestRate": 0,
      "scheduledDepositDay": "1",
      "scheduledDepositAmount": 250,
      "notes": "2024 contribution room: $7,000"
    },
    {
      "id": 1000004,
      "name": "RRSP — Questrade",
      "institution": "Questrade",
      "balance": 44600,
      "type": "rrsp",
      "interestRate": 0,
      "scheduledDepositDay": "15",
      "scheduledDepositAmount": 400,
      "notes": "Matching employer contributions via payroll"
    },
    {
      "id": 1000005,
      "name": "FHSA — RBC",
      "institution": "RBC",
      "balance": 8000,
      "type": "fhsa",
      "interestRate": 0,
      "scheduledDepositDay": "1",
      "scheduledDepositAmount": 250,
      "notes": "$8,000/yr contribution limit — first-home savings account"
    },
    {
      "id": 1000006,
      "name": "Emergency Fund — Tangerine",
      "institution": "Tangerine",
      "balance": 9600,
      "type": "emergencyfund",
      "interestRate": 3.5,
      "scheduledDepositDay": "",
      "scheduledDepositAmount": 0,
      "notes": "Target: 6 months expenses (~$15,000)"
    }
  ],

  "investments": [
    {
      "id": 2000001,
      "name": "Vanguard S&P 500 ETF",
      "symbol": "VFV.TO",
      "shares": 120,
      "value": 18960,
      "costBasis": 14400,
      "type": "etf",
      "institution": "Questrade",
      "ownership": "owned",
      "ownerPct": 100,
      "contributionDay": "1",
      "contributionAmount": 300
    },
    {
      "id": 2000002,
      "name": "iShares Core MSCI All Country World",
      "symbol": "XAW.TO",
      "shares": 85,
      "value": 4097,
      "costBasis": 3400,
      "type": "etf",
      "institution": "Wealthsimple",
      "ownership": "owned",
      "ownerPct": 100,
      "contributionDay": "15",
      "contributionAmount": 150
    },
    {
      "id": 2000003,
      "name": "Apple Inc.",
      "symbol": "AAPL",
      "shares": 18,
      "value": 3384,
      "costBasis": 2520,
      "type": "stock",
      "institution": "Questrade",
      "ownership": "owned",
      "ownerPct": 100,
      "contributionDay": "",
      "contributionAmount": 0
    },
    {
      "id": 2000004,
      "name": "Bitcoin",
      "symbol": "BTC-CAD",
      "shares": 0.22,
      "value": 17600,
      "costBasis": 9900,
      "type": "crypto",
      "institution": "Coinbase",
      "ownership": "owned",
      "ownerPct": 100,
      "contributionDay": "",
      "contributionAmount": 0
    },
    {
      "id": 2000005,
      "name": "Canadian Apartment REIT",
      "symbol": "CAR-UN.TO",
      "shares": 40,
      "value": 2120,
      "costBasis": 2400,
      "type": "stock",
      "institution": "Questrade",
      "ownership": "partial",
      "ownerPct": 50,
      "contributionDay": "",
      "contributionAmount": 0
    },
    {
      "id": 2000006,
      "name": "Employer Pension — Defined Contribution",
      "symbol": "",
      "shares": 0,
      "value": 22400,
      "costBasis": 18000,
      "type": "pension",
      "institution": "Sun Life",
      "ownership": "owned",
      "ownerPct": 100,
      "contributionDay": "1",
      "contributionAmount": 380
    }
  ],

  "vehicles": [
    {
      "id": 3000001,
      "name": "2021 Honda Civic EX",
      "value": 21500,
      "odometer": 58400,
      "type": "car",
      "plate": "BXPR 441",
      "ownership": "financed",
      "loanBalance": 9800,
      "loanRate": 5.99,
      "loanTerm": 28,
      "monthlyPayment": 387,
      "paymentDay": 5,
      "ownerPct": 100,
      "insurer": "Intact Insurance",
      "insurancePremium": 162,
      "insurancePayDay": 1
    },
    {
      "id": 3000002,
      "name": "2019 Kawasaki Z650",
      "value": 6200,
      "odometer": 14800,
      "type": "motorcycle",
      "plate": "MOTO 99",
      "ownership": "owned",
      "loanBalance": 0,
      "loanRate": 0,
      "loanTerm": 0,
      "monthlyPayment": 0,
      "paymentDay": 0,
      "ownerPct": 100,
      "insurer": "Belairdirect",
      "insurancePremium": 48,
      "insurancePayDay": 1
    }
  ],

  "possessions": [
    {
      "id": 4000001,
      "name": "Apple MacBook Pro 16\" M3",
      "category": "electronics",
      "value": 2800,
      "purchasePrice": 3499,
      "condition": "excellent",
      "ownership": "owned",
      "loanBalance": 0,
      "loanRate": 0,
      "loanTerm": 0,
      "paymentDay": 0,
      "ownerPct": 100,
      "notes": "Work + personal use"
    },
    {
      "id": 4000002,
      "name": "Sony A7 IV Camera Kit",
      "category": "electronics",
      "value": 3200,
      "purchasePrice": 4100,
      "condition": "excellent",
      "ownership": "owned",
      "loanBalance": 0,
      "loanRate": 0,
      "loanTerm": 0,
      "paymentDay": 0,
      "ownerPct": 100,
      "notes": "Used for freelance photography"
    },
    {
      "id": 4000003,
      "name": "Standing Desk + Ergonomic Chair",
      "category": "furniture",
      "value": 1100,
      "purchasePrice": 1600,
      "condition": "good",
      "ownership": "owned",
      "loanBalance": 0,
      "loanRate": 0,
      "loanTerm": 0,
      "paymentDay": 0,
      "ownerPct": 100,
      "notes": "Home office setup"
    },
    {
      "id": 4000004,
      "name": "65\" LG C3 OLED TV",
      "category": "electronics",
      "value": 1400,
      "purchasePrice": 2200,
      "condition": "good",
      "ownership": "financed",
      "loanBalance": 480,
      "loanRate": 12.99,
      "loanTerm": 6,
      "paymentDay": 18,
      "ownerPct": 100,
      "notes": "Best Buy 0% promo expired — now at 12.99%"
    },
    {
      "id": 4000005,
      "name": "Trek Domane SL5 Road Bike",
      "category": "sports",
      "value": 2100,
      "purchasePrice": 2800,
      "condition": "good",
      "ownership": "owned",
      "loanBalance": 0,
      "loanRate": 0,
      "loanTerm": 0,
      "paymentDay": 0,
      "ownerPct": 100,
      "notes": "Daily commuter + weekend rides"
    }
  ],

  "tools": [
    {
      "id": 5000001,
      "name": "DeWalt 20V MAX Drill/Driver Kit",
      "brand": "DeWalt",
      "value": 280,
      "category": "powertool",
      "condition": "good",
      "ownership": "owned",
      "ownerPct": 100
    },
    {
      "id": 5000002,
      "name": "Makita 10\" Compound Miter Saw",
      "brand": "Makita",
      "value": 420,
      "category": "powertool",
      "condition": "excellent",
      "ownership": "partial",
      "ownerPct": 50
    },
    {
      "id": 5000003,
      "name": "OBD2 Diagnostic Scanner",
      "brand": "Autel",
      "value": 190,
      "category": "automotive",
      "condition": "new",
      "ownership": "owned",
      "ownerPct": 100
    },
    {
      "id": 5000004,
      "name": "Hand Tool Set — Craftsman 230pc",
      "brand": "Craftsman",
      "value": 220,
      "category": "handtool",
      "condition": "good",
      "ownership": "owned",
      "ownerPct": 100
    }
  ],

  "valuables": [
    {
      "id": 6000001,
      "name": "Seiko Presage Cocktail Time",
      "category": "watch",
      "value": 850,
      "purchasePrice": 600,
      "ownership": "owned",
      "ownerPct": 100,
      "insured": "yes",
      "notes": "Appreciated in value — listed on home insurance rider"
    },
    {
      "id": 6000002,
      "name": "Grandmother's Diamond Ring",
      "category": "jewelry",
      "value": 2200,
      "purchasePrice": 0,
      "ownership": "owned",
      "ownerPct": 100,
      "insured": "yes",
      "notes": "Inherited 2021 — appraised May 2023"
    },
    {
      "id": 6000003,
      "name": "Original Artwork — Local Artist",
      "category": "art",
      "value": 1800,
      "purchasePrice": 1200,
      "ownership": "owned",
      "ownerPct": 100,
      "insured": "no",
      "notes": "Need to add to insurance — value appreciated"
    },
    {
      "id": 6000004,
      "name": "Vinyl Record Collection (~300 LPs)",
      "category": "collectible",
      "value": 4500,
      "purchasePrice": 2200,
      "ownership": "owned",
      "ownerPct": 100,
      "insured": "no",
      "notes": "Insure separately — not covered under standard contents"
    }
  ],

  "property": [
    {
      "id": 7000001,
      "name": "142 Elm Street, Unit 4B — Hamilton ON",
      "value": 485000,
      "purchasePrice": 420000,
      "ownership": "financed",
      "loanBalance": 338000,
      "loanRate": 5.44,
      "loanTerm": 240,
      "paymentDay": 1,
      "ownerPct": 100,
      "monthlyRent": 0,
      "rentReceiveDay": 0,
      "type": "primaryresidence"
    }
  ],

  "debts": [
    {
      "id": 8000001,
      "name": "TD Line of Credit",
      "lender": "TD Bank",
      "balance": 4200,
      "rate": 8.45,
      "monthly": 200,
      "paymentDay": 20,
      "termMonths": 24,
      "type": "lineofcredit",
      "debitAccount": "TD Everyday Chequing"
    },
    {
      "id": 8000002,
      "name": "Student Loan — NSLSC",
      "lender": "National Student Loans",
      "balance": 11800,
      "rate": 6.5,
      "monthly": 280,
      "paymentDay": 15,
      "termMonths": 48,
      "type": "studentloan",
      "debitAccount": "TD Everyday Chequing"
    }
  ],

  "creditcards": [
    {
      "id": 9000001,
      "name": "RBC Avion Visa Infinite",
      "issuer": "RBC",
      "balance": 1840,
      "limit": 12000,
      "rate": 19.99,
      "minPayment": 27,
      "targetPayment": 500,
      "paymentDay": 22,
      "statementDay": 8,
      "debitAccount": "TD Everyday Chequing",
      "rewards": "Avion Points",
      "autopay": "minimum"
    },
    {
      "id": 9000002,
      "name": "Scotiabank Momentum Visa",
      "issuer": "Scotiabank",
      "balance": 620,
      "limit": 6000,
      "rate": 19.99,
      "minPayment": 10,
      "targetPayment": 620,
      "paymentDay": 12,
      "statementDay": 28,
      "debitAccount": "TD Everyday Chequing",
      "rewards": "Cash Back — 4% groceries",
      "autopay": "full"
    },
    {
      "id": 9000003,
      "name": "American Express Cobalt",
      "issuer": "American Express",
      "balance": 2950,
      "limit": 8500,
      "rate": 21.99,
      "minPayment": 44,
      "targetPayment": 350,
      "paymentDay": 17,
      "statementDay": 2,
      "debitAccount": "TD Everyday Chequing",
      "rewards": "Amex MR Points — 5× dining",
      "autopay": "no"
    }
  ],

  "bills": [
    {
      "id": 10000001,
      "name": "Mortgage — CIBC",
      "amount": 2180,
      "freq": "monthly",
      "category": "rent",
      "dueDay": 1,
      "secondDueDay": "",
      "debitAccount": "TD Everyday Chequing",
      "autopay": "yes",
      "notes": "5-yr fixed @ 5.44% — renews March 2027"
    },
    {
      "id": 10000002,
      "name": "Rogers Ignite — Internet + TV",
      "amount": 135,
      "freq": "monthly",
      "category": "internet/phone",
      "dueDay": 8,
      "secondDueDay": "",
      "debitAccount": "TD Everyday Chequing",
      "autopay": "yes",
      "notes": "Bundle — renegotiate at renewal Mar 2025"
    },
    {
      "id": 10000003,
      "name": "Bell Mobility — Phone Plan",
      "amount": 65,
      "freq": "monthly",
      "category": "internet/phone",
      "dueDay": 14,
      "secondDueDay": "",
      "debitAccount": "TD Everyday Chequing",
      "autopay": "yes",
      "notes": "50GB data — BYOD rate"
    },
    {
      "id": 10000004,
      "name": "Hydro One — Electricity",
      "amount": 94,
      "freq": "monthly",
      "category": "utilities",
      "dueDay": 20,
      "secondDueDay": "",
      "debitAccount": "TD Everyday Chequing",
      "autopay": "no",
      "notes": "Varies by season — avg $94/mo"
    },
    {
      "id": 10000005,
      "name": "Netflix",
      "amount": 17.99,
      "freq": "monthly",
      "category": "streaming",
      "dueDay": 3,
      "secondDueDay": "",
      "debitAccount": "RBC Avion Visa Infinite",
      "autopay": "yes",
      "notes": "Standard HD plan"
    },
    {
      "id": 10000006,
      "name": "Spotify Premium",
      "amount": 11.99,
      "freq": "monthly",
      "category": "streaming",
      "dueDay": 7,
      "secondDueDay": "",
      "debitAccount": "RBC Avion Visa Infinite",
      "autopay": "yes",
      "notes": ""
    },
    {
      "id": 10000007,
      "name": "Adobe Creative Cloud",
      "amount": 599.88,
      "freq": "yearly",
      "category": "software",
      "dueDay": 15,
      "secondDueDay": "",
      "debitAccount": "RBC Avion Visa Infinite",
      "autopay": "yes",
      "notes": "Annual billing — $49.99/mo equivalent. Used for freelance work."
    },
    {
      "id": 10000008,
      "name": "GoodLife Fitness",
      "amount": 29.99,
      "freq": "monthly",
      "category": "gym",
      "dueDay": 1,
      "secondDueDay": "",
      "debitAccount": "TD Everyday Chequing",
      "autopay": "yes",
      "notes": ""
    },
    {
      "id": 10000009,
      "name": "Home & Contents Insurance",
      "amount": 112,
      "freq": "monthly",
      "category": "insurance",
      "dueDay": 5,
      "secondDueDay": "",
      "debitAccount": "TD Everyday Chequing",
      "autopay": "yes",
      "notes": "Intact — includes valuables rider"
    },
    {
      "id": 10000010,
      "name": "iCloud Storage 200GB",
      "amount": 3.99,
      "freq": "monthly",
      "category": "software",
      "dueDay": 22,
      "secondDueDay": "",
      "debitAccount": "RBC Avion Visa Infinite",
      "autopay": "yes",
      "notes": ""
    },
    {
      "id": 10000011,
      "name": "YouTube Premium",
      "amount": 13.99,
      "freq": "monthly",
      "category": "streaming",
      "dueDay": 19,
      "secondDueDay": "",
      "debitAccount": "RBC Avion Visa Infinite",
      "autopay": "yes",
      "notes": ""
    }
  ],

  "income": [
    {
      "id": 11000001,
      "name": "Software Developer — Acme Corp",
      "grossAmount": 5833,
      "netAmount": 4280,
      "freq": "semi-monthly",
      "timesPerMonth": 2,
      "payDays": "1, 15",
      "type": "salary",
      "employer": "Acme Corp",
      "taxable": "yes",
      "creditAccount": "TD Everyday Chequing"
    },
    {
      "id": 11000002,
      "name": "Freelance Photography",
      "grossAmount": 1200,
      "netAmount": 960,
      "freq": "monthly",
      "timesPerMonth": 1,
      "payDays": "28",
      "type": "freelance",
      "employer": "Various clients",
      "taxable": "yes",
      "creditAccount": "TD Everyday Chequing"
    },
    {
      "id": 11000003,
      "name": "RRSP Employer Match",
      "grossAmount": 380,
      "netAmount": 380,
      "freq": "monthly",
      "timesPerMonth": 1,
      "payDays": "1",
      "type": "benefits",
      "employer": "Acme Corp",
      "taxable": "no",
      "creditAccount": "RRSP — Questrade"
    }
  ],

  "goals": [
    {
      "id": 12000001,
      "name": "Emergency Fund",
      "target": 15000,
      "current": 9600,
      "deadline": "2025-09-01",
      "linkedAccount": "Emergency Fund — Tangerine",
      "autoContrib": 400,
      "contribDay": 1
    },
    {
      "id": 12000002,
      "name": "Travel Fund — Japan 2025",
      "target": 6000,
      "current": 1800,
      "deadline": "2025-10-01",
      "linkedAccount": "EQ Bank High-Interest Savings",
      "autoContrib": 350,
      "contribDay": 15
    },
    {
      "id": 12000003,
      "name": "Pay Off Amex Cobalt",
      "target": 2950,
      "current": 0,
      "deadline": "2025-06-01",
      "linkedAccount": "TD Everyday Chequing",
      "autoContrib": 350,
      "contribDay": 17
    },
    {
      "id": 12000004,
      "name": "FHSA Max Contribution 2025",
      "target": 8000,
      "current": 8000,
      "deadline": "2025-12-31",
      "linkedAccount": "FHSA — RBC",
      "autoContrib": 0,
      "contribDay": 0
    },
    {
      "id": 12000005,
      "name": "New Camera Lens — Sony 35mm",
      "target": 1400,
      "current": 620,
      "deadline": "2025-08-01",
      "linkedAccount": "EQ Bank High-Interest Savings",
      "autoContrib": 120,
      "contribDay": 28
    }
  ],

  "maintenance": [
    {
      "id": 13000001,
      "item": "2021 Honda Civic EX",
      "service": "Oil Change & Filter — Full Synthetic 0W-20",
      "cost": 89,
      "date": "2025-01-14",
      "odometer": 55000,
      "shop": "Mr. Lube Hamilton",
      "nextDue": "60,000 km or July 2025",
      "notes": "Used Mobil 1 Extended Performance"
    },
    {
      "id": 13000002,
      "item": "2021 Honda Civic EX",
      "service": "Brake Pad Replacement — Front Axle",
      "cost": 320,
      "date": "2024-10-02",
      "odometer": 52000,
      "shop": "Honda of Hamilton",
      "nextDue": "Inspect at 80,000 km",
      "notes": "Rear pads still at 60% — monitor"
    },
    {
      "id": 13000003,
      "item": "2021 Honda Civic EX",
      "service": "Winter Tires Installed",
      "cost": 95,
      "date": "2024-11-18",
      "odometer": 53800,
      "shop": "Kal Tire",
      "nextDue": "Swap back April 2025",
      "notes": "Michelin X-Ice Snow — stored at Kal Tire"
    },
    {
      "id": 13000004,
      "item": "2019 Kawasaki Z650",
      "service": "Pre-Season Service — Oil, Filter, Chain",
      "cost": 185,
      "date": "2024-05-01",
      "odometer": 14200,
      "shop": "Kawasaki of Hamilton",
      "nextDue": "End of season Oct 2025",
      "notes": "Chain tension adjusted — good for season"
    },
    {
      "id": 13000005,
      "item": "142 Elm St — Home",
      "service": "HVAC Annual Inspection & Filter Replacement",
      "cost": 160,
      "date": "2024-09-20",
      "odometer": 0,
      "shop": "Climate Pros HVAC",
      "nextDue": "September 2025",
      "notes": "Furnace in good shape — no repairs needed"
    },
    {
      "id": 13000006,
      "item": "142 Elm St — Home",
      "service": "Eavestrough Cleaning & Downspout Flush",
      "cost": 220,
      "date": "2024-11-05",
      "odometer": 0,
      "shop": "Clean Gutters Hamilton",
      "nextDue": "Spring 2025 — check after ice season",
      "notes": ""
    }
  ],

  "schedules": [
    {
      "id": 14000001,
      "name": "Salary — Acme Corp (1st)",
      "amount": 2140,
      "account": "TD Everyday Chequing",
      "dayOfMonth": 1,
      "freq": "monthly",
      "schedType": "income",
      "lastRun": null
    },
    {
      "id": 14000002,
      "name": "Salary — Acme Corp (15th)",
      "amount": 2140,
      "account": "TD Everyday Chequing",
      "dayOfMonth": 15,
      "freq": "monthly",
      "schedType": "income",
      "lastRun": null
    },
    {
      "id": 14000003,
      "name": "TFSA Auto-Invest",
      "amount": 250,
      "account": "TFSA — Wealthsimple",
      "dayOfMonth": 1,
      "freq": "monthly",
      "schedType": "payment",
      "lastRun": null
    },
    {
      "id": 14000004,
      "name": "RRSP Auto-Contribute",
      "amount": 400,
      "account": "RRSP — Questrade",
      "dayOfMonth": 15,
      "freq": "monthly",
      "schedType": "payment",
      "lastRun": null
    },
    {
      "id": 14000005,
      "name": "Freelance Photography Income",
      "amount": 960,
      "account": "TD Everyday Chequing",
      "dayOfMonth": 28,
      "freq": "monthly",
      "schedType": "income",
      "lastRun": null
    },
    {
      "id": 14000006,
      "name": "Student Loan Payment — NSLSC",
      "amount": 280,
      "account": "TD Everyday Chequing",
      "dayOfMonth": 15,
      "freq": "monthly",
      "schedType": "payment",
      "lastRun": null
    }
  ],

  "nwHistory": [
    {
      "id": 15000001,
      "date": "2024-01-01",
      "value": 118400,
      "assets": 302400,
      "debts": 184000
    },
    {
      "id": 15000002,
      "date": "2024-04-01",
      "value": 128900,
      "assets": 314200,
      "debts": 185300
    },
    {
      "id": 15000003,
      "date": "2024-07-01",
      "value": 141200,
      "assets": 328800,
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    {
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  "achievements": [
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    "investor",
    "property",
    "networth_pos",
    "100k",
    "income2",
    "goals",
    "scheduled",
    "maintained"
  ]
}