● Merge · read-only mirror. EAWBiz 2025 + the personal rows you ticked as business. You edit in EAWBiz or KPersonal — this only reflects them. Nothing here is stored or sent.
▸🧾 App Auditevery app you pay for · keep / cancel / check
A charge that didn’t hit in 2026 may just have been declined (maxed card) — not cancelled. So “no charge” means Check, not dead. Set each one as you confirm it.
▸🍎 Apple Subscriptionsapp · price · active / expiring / inactive
▸Your Financial MOKolbe A · 3 · 3 · 8 · 6this system is built to your instincts, not against them
“Measure your wealth by the freedom you have to be yourself.” — Kathy Kolbe
Fact Finder3
Bottom line only — you skip the fine print. So you lean on trusted advisors (me + Thomas) for the detail.
Follow Thru3
Open, adaptive — you resist rigid systems. A budget you’d abandon. So the system does the upkeep for you.
Quick Start8
Your engine. Spontaneous, bold, deal-hungry. It built your business and the subscription pile — and just wiped 6 cards in days.
Implementor6
Hands-on, tangible. You want to see and touch the money, not abstractions.
How you handle money (your way, not the generic way)
DebtJust the bottom line — does it move you toward the goal? Skip the fine print; let a trusted advisor confirm it’s right.
RiskThe eyeball test. If your gut doesn’t shout “do it,” don’t. No spreadsheet will convince you — and it shouldn’t.
ChangeSpend energy only where you have impact. Get in or get out — never stuck in the middle.
SpendingYou’re an impulse buyer — that’s the talent that lands the deals. Accept some remorse. But watch the moment you rationalize past your means — that’s where the system catches you.
Your operating rules
Trust your instincts over advice — once you’ve given the advice honest thought.
When your gut says back off a commitment, don’t get talked into it.
Operate on cash when you can. “Pay for it later” has bitten you — the $50K loan is that bet; the system is the guardrail.
Build a team for the Follow Thru you won’t do. (That’s exactly what me, Anna, and Thomas are.)
How your system already serves this
App Audit→your Follow Thru, externalized — it catches the subscription pile your Quick Start creates.
Daily Monarch + Stripe sync→the upkeep you’d never do by hand.
Interest Kill Plan + Card tracker→bottom-line clarity, so your gut can make the bold call.
Thomas + me→your Fact Finder detail layer — so you stay at the altitude you work best at.
Your turn (the report asks — so I made it fillable)
Filter by account:Sort by:
▸⚑ Needs Review
▸Bank Statements (this month — view, attach, or mark not applicable / missing)
▸Kavita Reports Only (processor reports — Stripe & PayPal · private, not for Thomas)
▸Income
Date
Source
Category
Account
Amount
Program (private)
✓
▸Expenses
Date
Vendor
Category
Account
Amount
Program (private)
Receipt
✓
▸Transfers & card payments
Date
Name
Category
Account
Dir
Amount
✓
Transfers and credit-card payments (money moving between your own accounts) live here, separate from the P&L. They don’t count toward Total Income, Expenses or Net. Change a row’s category to pull it into Income or Expenses.
▸Goal Tracker
Category
Actual
Goal
Difference
▸Is this still worth paying for?
Read-only view of what you already entered in Expenses — nothing here changes your ledger. Only your answers are saved.
▸Apps & Subscriptions
▸Standing charges · autopay
What has standing access to pull money from your accounts — even things not charged yet. You enter these; they are not read from the ledger.
▸Allocation
Bucket
Percent %
This month
Balance to date
New balance
Total allocated
Unallocated
Total Income
$0.00
Total Expenses
$0.00
Net Profit / Loss
$0.00
▸The Reckoningwhat the hours bought
Yearly summary (auto-calculated)
EAW Profit & Loss (P&L) Statement 2025
Every number here is computed from that year’s monthly entries — matching your original P&L sheet layout.
Owner’s Draw
Date
Account
Amount
Note
✓
Monthly summary (owner’s draw by month)
Total Owner’s Draw this year
$0.00
This is a separate ledger from the P&L — an owner’s draw isn’t a business expense, so it never touches Total Expenses or Net Profit (that’s why it no longer appears on the P&L). Its monthly totals are summarized above, and you can export just this ledger from the CSV panel.
Bank Accounts (Acct# codes — set them in Manage lists → Accounts)
Chart of Accounts (your codes — and Thomas’s account number for each)
Left = your system (A-01, A-02…). Right = Thomas’s numbered account it maps to. You keep working in yours — his numbers are only used when I generate his file. Amber = still needs a decision.
Two views of the same data: your alphabetical code system (Chart of Accounts) and Thomas’s debit/credit general ledger. Both appear as tabs in the Google Sheet too, so you can hand him the ledger in his format.
Invoices (from GHL — what you billed vs what you’ve been paid)
Every invoice
This is the missing half of the story: Stripe only says “Payment for invoice 000030”. This is what that invoice was actually for, who it went to, and whether it’s been paid in full.
PayPal flow (what came in, what you spent, what’s left)
Transactions (what your bank statement only calls “PayPal”)
Rows in grey are PayPal moving money between itself and your bank (funding a purchase, or paying you out) — not income or expenses. The coloured rows are the real ones.
How to pull these reports from Stripe (you will need this again next January)click to open
Account selector, top-left, must read EarthAngelWishes
— acct_1JpOZpGQm4EyJ5yG. If it says anything else you are exporting someone else’s year.
Reports in the left sidebar, under Shortcuts.
Balance summary.
Set Date range to Jan 1 → Dec 31 of the year you want, and leave
Timezone on US/Eastern. Change the timezone and the totals shift at the year boundary.
There are three sections, each with its own Export button. You want all three —
they answer different questions.
Section
Export gives you
What it answers
Balance summary
the one-page PDF
the official totals — hand this to Thomas
Balance change from activity
every charge and fee, itemised
click Charges (61) and export it — this is the one that finds a gross difference
Payouts
every payout with its date
what each bank deposit should match
Right-hand column, Related reports.Fees lists every Stripe and external
fee — that is where the Additional Stripe fees line comes from, the one that never reaches your
books unless you go and get it. Tax invoices is where a 1099-K would appear.
Name them the way the others are named so they sort together in Drive:
stripe2025-balance-summary-official.pdf, stripe2025-payouts-to-bank.csv,
stripe2025-charges-itemized.csv. Drop them in the 2025 EAW Acc TAX folder and they
show up in Rules → Files.
PayPal is the same errand: Reports → year-end financial summary, plus the
1099-K if they issued one.
Where your money goes (program price → fees → bank)
Payouts (each one = a single deposit on your bank statement — click to open it up)
Fees by month (ready to book — 652 processing / 635 software)
Your programs (what each code means)
Retiring a program only means you’ve stopped selling it. Its past revenue stays in every total above — it happened.
Revenue by Program (private — your program tags, never shown to Thomas)
Monthly income by program
Tag any income or expense row with a program code (EXC, PD, KEC…) in the Program column. This view totals them for you. It stays in your app only — it is never in Thomas’s ledger, the Google Sheet transactions, or any export.
What the codes mean
Spend by company (services grouped — click a row to open)
Grouped the same way as “Is this still worth paying for?” — one company, one row, however many names the bank prints. Open a row to see each separate service inside it.
Refunds (money that came back, or went back)
Confirmed
Possible refunds I spotted
Where I looked
A refund isn’t a new transaction — it’s a row in your ledger pointing the other way. Marking one here tags that row so it shows up in this list and nets against the right account. Nothing is duplicated.
Spend by type (and how often you pay it)
Inside each type: Subscriptions renew on their own until you stop them — Specific time is a defined engagement that repeats but ends — One-time happened once. The first group is the one that keeps charging while you are not looking.
What the year actually did
Still to address
Everything that is genuinely open — a decision you have not made, a document
you have not pulled, a number that does not tie. Not row-level flags (those live in Needs Review) and
not the tax paperwork (that lives in Employee). This is the list of loose ends.
Integrity check (runs every time you open this tab)
Every check compares two things that must agree. If one fails it tells you the gap, not just that something is wrong. Nothing here changes your data.
Filing checklist
Dru Lashbrook’s organizer, section by section, in the order a return is actually built. Mark each line as you handle it — the app stamps the date, so a year from now you can see what you did and when. Upload puts the file in your Drive folder for the year; link is for something already there. Anything that doesn’t apply, mark N/A and it stops counting against you. Two things to hold onto: the blue Canopy mark means he named that document specifically — those go to the Canopy Portal, not email or text. The amber ask him mark is where his sheet was annotated by hand and the answer isn’t settled. Gathering here is not filing; he prepares and files the return.
0collected
0still needed
0asked for
0%
Employee
Business spend sitting in this book
Money you spent on the business from a personal card or account. Tick it here and it stays where it happened — nothing moves, nothing is deleted — but it gets counted as business, so you can see both numbers and hand the right one to your accountant. Flag the whole category when every row in it is business; tick rows one at a time when it is mixed.
$0flagged as business
0rows
$0still counted as personal
Cards
Every deposit (how money actually arrived)
1 · Everything that arrived
2 · The real deposits
Money the business actually earned. This is what should show as revenue.
3 · The ones to fix
Money that arrived but is either booked wrong or not yet confirmed. Each says what to do.
Checks
Account Codes (your Acct# scheme — e.g. BoA-Biz-Chk-01-3777)
Merchant Rules (auto-applied on import)
Category Translations (incoming bank category → your category)
Files & dates (what went to him, what came back)
Every “Export for Thomas” logs itself here with the date and what was in it. Exports download as 4 separate files — if your browser only saves some, allow multiple downloads and run it again.
Our working assumptions (mine and yours — until Thomas says otherwise)
Every one of these is a judgement call we made so the file could move forward. None is confirmed. When Thomas answers, tick it — a ticked assumption becomes a fact, an unticked one stays visibly a guess.
Quoted as he said it, so it stays his standard and not a paraphrase of it. When a judgement call comes up, this is the tiebreak.
“as long as the total amounts of deposits and withdrawals equal what’s shown on the bank statement, and like you have the business expense identified to whatever business expense, that’s all that you need to focus on because the rest of it, we can change, we can do whatever, and we’ll have the raw information to be able to sort through it much quicker.”
The whole standard, in one sentence — tie to the bank statement, and identify the business expense. Everything else is adjustable later.
Still open with him
Rules match automatically when the app recognizes a merchant / account / category. When it doesn’t, the row is flagged (or I ask you) — and whatever you pick is saved here as a rule, so it won’t need asking again.
Thomas — Final 2025 (his filed return · read-only · your books untouched)
Cards — due dates & rewards (due days tentative until you confirm; rewards update by year)
The month, 1 → 31. Highlighted days are due dates; card last-4s sit under each. Everything starts as a tentative estimate from your data. Open a card below, type the real day from its app, and tick Confirmed — that turns it solid and overrides my guess.