Dad's Money Flow — By Uber Hours

Drag the slider or pick a preset to see how the picture changes at different Uber pace. The 24-month House Fund projection updates live.

Uber pace

70 hrs/wk
Gross Uber income at this pace: $7,578/mo  |  $25/hr gross assumed (vehicle costs handled separately)

Scale back? (optional 2-phase model)

never
40 hrs/wk
Set "scale back after month" to 0 for single-phase (no scale-back). Otherwise, Dad runs at initial pace for that many months, then drops to the new pace for the rest of the 24-month window. The auto-replacement reserve recomputes based on blended mileage.

Vehicle situation

$1,677/mo
$0/mo
Vehicle cash cost = fixed monthly + (miles driven × per-mile rates). Miles = Uber hours × 4.33 weeks × 30 mph average. Loan / rental / insurance are fixed monthly regardless of hours. Energy (gas or electric), tires, and maintenance accrue per mile driven. Click "How is this calculated?" below to see the exact breakdown for the current vehicle and hours.
Replacement fund = depreciation set-aside (separate savings bucket for the next vehicle). Auto-scales with Uber hours and scale-back settings when a Tesla preset is active.
How is this calculated?
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Assumptions: Gas $4.35/gal at 29.5 mpg (Grandma's). Tesla NEW 0.30 kWh/mi, Tesla USED 0.33 kWh/mi, blended home electricity $0.13/kWh. Tesla tires $1,200/set ÷ 40K mi (mid-tier, gentle driving). Grandma's tires $1,000/set ÷ 40K mi. 30 mph average duty cycle.
Compare all vehicles across Uber hours →
TRUE net wealth at month 24 (no scale-back) for each vehicle at each hour level. Computed live from current assumptions. Bold green = best option for that row; highlighted column = currently selected vehicle.
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Current vehicle choice: Grandma's car
Cash out this month: $1,677  |  To Vehicle Replacement Fund: $0  |  House Fund this month: $8,032
Monthly Income (gross)
$24,878
All four streams
Monthly Expenses
$13,787
Required + lifestyle
To Savings
$11,091
All buckets combined

Income & expenses breakdown

Income

Pension$2,900
Downstairs rent$3,400
Uber / Direct Car$7,578
Upstairs rent$11,000
Total$24,878

Expenses

Mortgage$5,250
House bills$1,810
Florida rent$2,600
Health insurance$600
Groceries + utilities + misc$1,250
Golf$250
Eating out$200
Discretionary / fun$150
Vehicle (own car)$1,677
Total$13,787

Where the leftover goes each month

🔧 Maintenance & Improvements
$809/mo
~$20,430
at month 24
💵 Personal Long-term
$1,500/mo
~$37,414
at month 24
✈️ Trip Fund
$750/mo
~$18,707
at month 24
🏠 House Fund
$8,032/mo
~$198,825
at month 24
🚗 Vehicle Replacement Fund
$0/mo
~$0
at month 24

What this Uber pace means at month 24

Combined liquid (in savings) at 2 years: $275,377
TRUE net wealth at 2 years: $275,377
vs. baseline (grandma's car, 70 hrs/wk no scale-back): $0 — same as baseline
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Account Flow
Where the money physically moves each month
Same scenario as above, traced through Dad's actual accounts. Sliders + vehicle preset drive every number below. The BoA ↔ Fidelity sweep changes direction based on whether Uber covers Florida.
1. Income sources by location & currency
Bermuda-side income
Pension (BMD)*$2,900
Downstairs rent (BMD)$3,400
Upstairs rent — Kara, 3-yr lease (USD)$11,000
Bermuda monthly in$17,300
US-side income
Uber (USD, gross)**$7,578
US monthly in (direct)$7,578
* Pension and downstairs rent are paid in BMD into HSBC Bermuda's BMD account. BMD is pegged 1:1 to USD, so the dollar math is the same — only the account-of-record differs. (Confirm with Dad: pension currency and pay-in destination.)
** Uber gross at the current scenario; varies with the hours slider above. Vehicle costs handled separately as a US-side expense line below.
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BMD is pegged 1:1 to USD. HSBC Bermuda sweeps between BMD and USD accounts at no cost, so for practical purposes treat the two as one Bermuda pool totaling $17,300/mo in.
↓ Bermuda obligations (paid from the combined Bermuda pool)
Mortgage (Bermuda lender)$5,250
House bills (land tax $600 + insurance $410 + landscaping $800)$1,810
Total leaving Bermuda$7,060
Note: the $809/mo M&I reserve is a savings allocation, not an operating outflow. It's wired with the rest to Fidelity and held in the M&I bucket — see distribution below.
▼
🌊 Wire to Fidelity (USD) = $10,240/mo  |  (Bermuda in $17,300 − Bermuda out $7,060)
▼
Two US accounts with distinct jobs. The Bermuda wire goes directly to Fidelity (no BoA hop). A small monthly true-up ACH keeps BoA at a thin cushion — surplus sweeps to Fidelity if Uber covers Florida, top-up comes from Fidelity if it doesn't.
↓ Florida personal expenses paid from BoA
Florida rent$2,600
Health insurance$600
Groceries + utilities + misc$1,250
Golf$250
Eating out$200
Discretionary / fun$150
Vehicle cash cost (grandma's car @ 70 hrs)$1,677
Total Florida personal expenses$6,727
BoA monthly net at this scenario: $7,578 in − $6,727 out = $851 surplus. ACH'd to Fidelity to join savings. At lower Uber hours this flips: Fidelity ACHs to BoA to cover the gap.
▼
↓ All $11,091/mo flows into Fidelity and distributes across five buckets
Maintenance & Improvements Fund $809 (Fidelity CMA — kept liquid for Bermuda repairs)
Trip Fund (Australia) $750 (Fidelity CMA — kept liquid for the trip)
Personal Long-term Savings $1,500 (Fidelity Brokerage — FDLXX core)
Vehicle Replacement Fund $0 ($0 on grandma's car / Avis; auto-scales with hours if Tesla)
House Fund $8,032 (Fidelity Brokerage — FDLXX + T-bill ladder once balance > ~$60K)
▼
2. Where each bucket lives inside Fidelity (projection at month 24)
🏠 House Fund
$8,032/mo → $198,825 at mo 24
Fidelity Brokerage. Core: FDLXX (Treasury Only MMF, ~3.28%). Once balance crosses ~$60K (~month 7), layer in a 4-rung T-bill ladder ($25K each in 4-wk / 13-wk / 26-wk / 52-wk). Yields 3.45–3.66%, US-government backed.
💵 Personal Long-term Savings
$1,500/mo → $37,414 at mo 24
Fidelity Brokerage. FDLXX core. Dad's protected $1,500/mo cushion — locked in even if Uber drops.
✈️ Trip Fund (Australia)
$750/mo → $18,707 at mo 24
Fidelity CMA. Kept liquid in the cash core (SPAXX/FDLXX, ~3.28%) — will be drawn down at once when the trip happens. Hits $15K target around month 20.
🔧 Maintenance & Improvements
$809/mo → $20,430 at mo 24
Fidelity CMA. Kept fully liquid — covers Bermuda repairs that may need to wire back across the pond. Covers daily repairs + every-5-yr painting/tank cleaning.
🚗 Vehicle Replacement Fund
$0/mo → $0 at mo 24
Fidelity Brokerage. FDLXX (when active). $0 today (grandma's car / Avis). Auto-scales with Uber hours when Dad owns a Tesla. Sized to cover the next vehicle by depreciation rather than financing again.
Total to savings this scenario: $11,091/mo. Combined liquid at month 24: ~$275K, earning slow, safe interest at Fidelity.
How this view relates to the Money Flow / categorical view: the top of this page shows the conceptual flow (income → expenses → savings buckets). This section shows the physical account movement (HSBC Bermuda BMD + USD → wire → Fidelity CMA + Brokerage; separate BoA track for Uber + Florida spending).

Why Fidelity for all buckets: single login, single statement, single tax form. Free inbound wires from Bermuda direct to the CMA (no BoA hop). FDIC sweep up to ~$5M on the cash side; SIPC + US Treasury backing on the brokerage side — Dad's ~$275K projected combined balance at month 24 sits well within every layer of protection. Brokerage on-ramp already there for T-bills the moment the House Fund crosses $60K. See Account_Architecture.md for the full rationale and product picks.

Key assumptions to verify with Dad: