NOISEAnalytics
Sample · September 2026

A real NOISE Analytics report

This is what your household receives each month, rendered here with fictional data for the Patterson family.

NOISE ANALYTICSThe Patterson Household  |  September 2026  |  Coaching
MONTHLY REPORT
MONTHLY CLARITY REPORT
The Patterson Household
September 2026
COACHING
FINANCIAL SCORE
82/ 100
Strong overall, execution this month was disciplined.
Executive summary

September was a strong recovery month after the August travel spike. Income held steady at $14,200 while discretionary spending dropped 18%, lifting your savings rate to 32%. Net worth grew $9,400, driven primarily by mortgage paydown and a recovery in your brokerage account.

Monthly snapshot
INCOME
$14,200
SPENDING
$9,640
SAVINGS
$4,560
SAVINGS RATE
0.3%
CASH
$42,000
INVESTMENTS
$318,000
DEBT
$248,000
NET WORTH
$612,000
What the score reflects
Savings rate
18 / 20
32% savings rate this month, well above the 20% target.
HELPED
+ Discretionary spending dropped 18%
HURT
- One-off home repair reduced surplus
Cash / Emergency fund
6 / 15
HYSA covers 8 months of expenses, overweight vs. 4-month target.
HELPED
+ Steady HYSA contributions
HURT
- Excess cash drag vs. invested return
Debt management
14 / 15
Auto loan on track; mortgage at favorable 3.1% rate.
HELPED
+ Extra $300 principal payment on auto loan
Investing & growth
16 / 20
Brokerage and 401(k) contributions consistent; recovery month.
HELPED
+ 401(k) match maxed
HURT
- No Roth IRA contribution this month
Protection & planning
12 / 15
Insurance coverage adequate; estate documents up to date.
HELPED
+ Term life policy active
HURT
- Umbrella policy below recommended coverage
Spending discipline
14 / 15
Discretionary spending well-controlled this month.
HELPED
+ Travel category dropped to $0
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NOISE ANALYTICSThe Patterson Household  |  September 2026  |  Coaching
Net worth · 6 month trend
Net worth
$568,000 → $612,000 (+$44,000)
$568K$590K$612K
Income vs spending
Last 6 months
Income Spending
$9.6K$11.9K$14.2K
Where your money went
Housing & utilities
$2,990 · 36%
Dining out
$1,420 · 17%
Groceries
$1,180 · 14%
Transportation
$740 · 9%
Kids & education
$680 · 8%
Health & wellness
$520 · 6%
Shopping
$410 · 5%
Entertainment
$280 · 3%
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NOISE ANALYTICSThe Patterson Household  |  September 2026  |  Coaching
What needs attention
→Dining out remains the largest discretionary line ($1,420). Consider a $1,000 monthly cap.
→HYSA balance grew to $42k, roughly 8 months of expenses. Time to deploy ~$15k to the brokerage.
→Umbrella insurance coverage is below the recommended $2M for your net worth.
Recommended actions
1
Move $15,000 from HYSA to brokerage and allocate per your target portfolio.
2
Top up Roth IRA with remaining $3,200 contribution room before December 31.
3
Quote a $2M umbrella insurance policy, current $1M is below recommended level.
4
Set a $1,000 monthly dining cap for Q4 and review at year-end.
5
Cancel 3 unused subscriptions (estimated $48/mo savings).
Coach notes

"You asked about whether to accelerate the mortgage. Given your 3.1% rate and the brokerage opportunity, I'd hold the line. Let's revisit when we get the bonus picture in Q4. Strong month overall, the discipline is showing."

, YOUR NOISE COACH
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NOISE ANALYTICSThe Patterson Household  |  September 2026  |  Coaching
Wins · risk · focus
MONTHLY WINS
Your savings rate significantly increased this month.
You reduced your total spending significantly compared to last month.
Your total debt saw a noticeable decrease this month.
BIGGEST RISK
Cash / Emergency fund
Scoring 6 / 15. Your cash reserves currently provide approximately 1.76 months of spending coverage.
NEXT MONTH FOCUS
Continue to prioritize consistent and high savings rates to accelerate progress toward your lake house goal.
ABOUT NOISE ANALYTICS

NOISE Analytics is a financial intelligence service operated by Somers Ventures LLC. Our mission is to help individuals and families cut through financial noise by turning financial data into clear insights, practical recommendations, and measurable progress toward their goals.

This report is intended for educational and informational purposes only and should not be considered investment, tax, or legal advice.

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