FINANCE OS MEETMRC INVESTMENT TRACKER ACCOUNT
Mr. C

MY RETIREMENT COACH

STAY CALM. FOLLOW THE PLAN. IGNORE THE NOISE.

MARKET HEALTH SCORE
86/100
GREEN
Market healthy.
Stay the course and execute your plan.
Fetching live data…
SIMULATEdrag any indicator to recompute the score
4 PORTFOLIO MODULES
TOTAL PORTFOLIO VALUE
$185,706
—
Today's Gain · illustrative
TOTAL RETURN
+$35,706 (+35.7%)
vs. your avg cost
VOO SHARES
50%COMPLETE
150
of 300 target
CASH TO DEPLOY
$10,000
Dry powder · separate from $40,000 cash on hand
READINESS: MODERATE
MONTHLY SPEND (EST.)
$4,000
2–3 Years Cash Goal
$96,000 – $144,000
Cash Bucket Range
PORTFOLIO ALLOCATION
$0.19MTOTAL
  • VOO (S&P 500)54.9%
  • QQQM (Nasdaq 100)9.7%
  • Bitcoin (BTC)8.5%
  • Cash / Other26.9%
6 INDICATORS TO WATCH
1VOO vs 200 DMAi
+12.4%
Above 200 DMA
✓ GREEN
Trend is your friend.
2VIX (Fear Gauge)i
16.8
Normal
✓ GREEN
Calm market. No fear.
3Market Breadthi
52%
Stocks Above 50 DMA
⚠ YELLOW
Participation narrowing.
4Credit Spreadsi
0.78%
Investment Grade
✓ GREEN
Lenders are calm.
5Unemploymenti
4.0%
Stable
✓ GREEN
Job market healthy.
6Liquidity (M2 YoY)i
+4.2%
Expanding
✓ GREEN
Plenty of fuel.
OVERALL MARKET HEALTH
GREEN
✓
Conditions are favorable for long-term investors. Execute your plan and ignore the noise.
5 EARLY-WARNING GAUGES · WHAT'S AHEAD
1Yield Curve (10y–3mo)i
+0.35%
Flat
⚠ YELLOW
Curve flat — late-cycle watch.
2Jobless Claims Trendi
+2.0%
Falling / Stable
✓ GREEN
Layoffs low — labor leads healthy.
3VIX Term Structurei
1.06×
Contango (calm)
✓ GREEN
Forward vol calm — no stress priced.
4Credit Spread Momentumi
-0.02%
Tightening
✓ GREEN
Spreads tightening — credit relaxed.
5Breadth Momentum (RSP/SPY)i
+0.5%
Broadening
✓ GREEN
Rally broadening — healthy participation.
FORWARD OUTLOOK
54%OUTLOOK
YELLOW
Leading gauges, 0–100. An early-warning read of where conditions are heading — never a forecast.
WHAT TO DO TODAY — today's read, tilted by what's ahead
The early-warning signs are cooling.
Today looks fine; a few early signals are cooling, so keep buys small and steady.
NOWGREEN86/100
AHEADYELLOW54/100
Forward indicators are early-warning gauges, not predictions.They tilt today's playbook — they never override it.
WHAT SHOULD I DO TODAY?
ACCUMULATION MODE(Building Wealth)
  • ✓Keep buying (DCA)
  • ✓Deploy cash weekly
  • ✓Add on pullbacks
  • ✓Stay fully invested
ACTION: CONTINUE DCA
DISTRIBUTION MODE(Living Off Portfolio)
  • ✓Sell quarterly
  • ✓Refill cash bucket
  • ✓Take from gains
  • ✓Stay the course
ACTION: NORMAL WITHDRAWALS
PORTFOLIO PROGRESS
Total Progress to $1.00M$0.19M / $1.00M
18.6%
Time to reach $1.00M17.5 yrs
at 7.0% return + 0.6% dividends + $1,000/mo (fixed $ goal, set returns/contribution in the calculator)
VOO SHARE GOAL
150 / 30050.0%
Retirement Calculator
See how your money grows and supports your future.
YOUR RETIREMENT NUMBER
$1.20M
Needed to spend $4,000 / month
Calculated using your selected withdrawal rate target.
On Track
At your current assumptions, you're projected to reach your retirement number in 32.0 years.
15%
15% COMPLETE
YOU HAVE
$0.19M
Invested today
STILL NEEDED
$1.01M
To reach your goal
IF YOU RETIRED TODAY
4YEARS
If you retired today with $0.19M and spent $4,000/month, your portfolio would last approximately 4 years.
Based on your current portfolio, spending, return, and inflation assumptions.
YEARS UNTIL RETIREMENT
32.0YEARS
At your current assumptions, this is how long until you reach your retirement number.
ANNUAL CASH FLOW AT RETIREMENT
$48,000/YR
($4,000/mo in today's dollars)
% OF THE WAY THERE
15%
$1.01M still to invest
FUTURE ANNUAL INCOME
~$0.12M/yr
in 32.0 years
TARGET WITHDRAWAL RATE
Conservative (4.0%) is currently selected. This is your planned annual withdrawal rate in retirement.
This changes your retirement target amount, not how long your current portfolio would last.
EXPECTED INFLATION
3.0%/yr
Adjustable assumption
About 3% is the long run US average. It steadily raises the dollars you will need.
EXPECTED RETURN
7.0%
Adjustable assumption
S&P 500 price return only. Dividends are added separately, so this is not the full total return figure.
VOO DIVIDEND / SHARE (QUARTERLY)
$1.87/sh
Adjustable assumption
$1,122/yr in dividends (~0.60% yield), reinvested while building. In retirement that covers 2% of your spend.
CONTRIBUTION
$1,000/mo
Your choice
How much you add every month while building. There is no single correct number.
ADJUST YOUR PLAN
Monthly Spending
$2,000$4,000$50,000
Target Withdrawal Rate
4% Cons.5% Bal.6% Aggr.
Expected Return
0%7.0%16%
Price return only; dividends are added separately.
Dividend Yield
0%1%2%
Reinvested while building.
Inflation Rate
0%3.0%6%
Monthly Contribution
$0$1,000$20k
How much you add every month while building.
Current Portfolio
$0$0.19M$10M
HOW LONG YOUR MONEY WOULD LAST
~4 yrs
If you retired today on $0.19M and drew $4,000/mo (rising 3.0%/yr for inflation), with the balance still earning 7.0%/yr, the money lasts about 4 years.
Put $10,000 to work now and reach your number ~0.6 yrs sooner (31.4 vs 32.0 yrs).
A simplified estimate. It accounts for inflation (your number rises each year) but still excludes taxes, fees, and market sequence of returns risk. A planning illustration only, not financial advice.
BITCOIN FOUR-YEAR CYCLE — historical pattern of prior cycles, NOT a prediction
MONTHS SINCE 4TH HALVING
28mo
Apr 2024 halving · 4-yr rhythm
RESET · REBUILD
Deep into the cycle — prior cycles were rebuilding a base around here.
2012 cycle
PEAK$1.1kNov 2013 · ~12mo
TROUGH$178Jan 2015 · ~26mo
2016 cycle
PEAK$20kDec 2017 · ~17mo
TROUGH$3.2kDec 2018 · ~29mo
2020 cycle
PEAK$69kNov 2021 · ~18mo
TROUGH$16kNov 2022 · ~30mo
Live price history unavailable right now — showing the real dated peaks & troughs only.
NEXT-CYCLE TIMING PROJECTION — a conditional window from the 4-yr cadence, NOT a price target
PROJECTED TOP WINDOWmid-to-late 20292013201520172019202120232025202720291st halving2nd halving3rd halving4th · current halving~Apr 2028est. 5th halvingNOW
Projected — assumes the 4-year cycle holds. Timing window only — not a price target, not a guarantee. The 5th halving is estimated ≈ April 2028 (real cadence: ~every 4 years). Prior tops formed 13–18 months post-halving and that lag has lengthened each cycle (+13 → +17 → +18mo), so the projected top window leans later — mid-to-late 2029, tailing into early 2030. Note the current cycle has already run past its own 12–18-month top window without a clear blow-off top, so the pattern may be weakening. No price numbers are implied anywhere here.
CYCLE TOP RADAR — real top-detection signals, early-warning context (not predictions)
Top-radar signals unavailable right now — they require live BTC history / the MVRV feed.
Historical pattern of the prior three cycles — NOT a guarantee or prediction. Past cycles peaked roughly 12–18 months after each halving, but every cycle differs and there is no promise this one repeats. Price overlay is real BTC history, each cycle shown as a multiple of its halving-day price. The top-radar gauges (Pi Cycle, MVRV Z-Score) are real, mechanical signals that historically coincided with prior tops — shown as early-warning context, never a price or date prediction. No forward price target is implied anywhere in this module.
DATA SOURCES — what feeds this dashboard
Tiingo
Equity holdings · live IEX price (any ticker)
VOO 200-DMA trend
VOO dividend (TTM ÷ 4)
AHEAD · breadth momentum (RSP ÷ SPY)
↳ falls back to Yahoo, then FRED
Update: Prices real-time · daily series
FRED
VIX (VIXCLS)
Credit spreads (ICE BofA · BAMLC0A0CM)
Unemployment (UNRATE)
Liquidity · M2 YoY (M2SL)
AHEAD · yield curve (T10Y3M)
AHEAD · jobless claims (ICSA)
AHEAD · credit momentum (BAMLC0A0CM Δ20d)
Update: Daily · M2 weekly
Cboe / Yahoo
VIX fear gauge (^VIX)
AHEAD · VIX term structure (^VIX3M ÷ ^VIX)
↳ labeled default if ^VIX3M is unavailable
Update: Real-time · 15-min delayed
CoinGecko
Crypto holdings · live price (BTC, ETH, SOL, …)
BTC cycle overlay (daily history, days=max)
Pi Cycle Top (111-DMA vs 2×350-DMA)
↳ falls back to Yahoo BTC-USD; facts only if both fail
Update: Real-time · history cached 12h
bitcoin-data.com
BTC cycle radar · MVRV Z-Score
↳ gauge shown 'unavailable' if the feed fails
Update: Daily · cached 12h
StreetStats
Market breadth (% S&P 500 > 50-DMA)
↳ 52% estimate if unavailable
Update: Daily · cached hourly
AUTOMATIC DATA REFRESH

Each source updates on its own schedule. The dashboard pulls a fresh snapshot about every 3 minutes — and instantly when you click “Refresh now.”

Important: My Retirement Coach provides general market information and educational, behavioral coaching for long-term investors. It is not investment, financial, tax, or legal advice, is not personalized to your situation, and creates no advisory or fiduciary relationship. All investing involves risk, including possible loss of principal; past performance does not guarantee future results, and any historical averages shown describe the past, not a promise about the future. Market data is provided “as is” from third-party sources, may be delayed or inaccurate, and should not be relied on for trading. Always do your own research and consult a licensed financial professional before making investment decisions. Your holdings and plan are stored only in your own browser. By using this site you agree it is for informational purposes only.