Financial Dashboard

⚠ June one-time expenses factored in

Unexpected: 60K EGP ≈ $1,154

Suit/event: 30K EGP ≈ $577

Total hit: $1,731

June surplus: $4,000 → $2,269

EF ends Phase 1 at $6,477 (72%). Gap of $2,523 split across August + September.

Monthly Budget — $2,000 Ceiling

All EGP at 1 USD = 52 EGP. Flex, family, and buffer all sit inside the $2,000 ceiling — nothing extra on top.

Spending — all-in ceiling
Personal expenses	$1,400	72,800 EGP	monthly
Family support	$200	10,400 EGP	commitment
Personal buffer	$400	20,800 EGP	discretionary
Total spend ceiling	$2,000	104,000 EGP	ceiling
Fixed obligations (within ceiling)
Car loan	~$77	4,000 EGP exact	autopilot
Investment surplus
EGP income − $2,000 ceiling	~$4,000	~208,000 EGP	deploy

May 2026 — First Month Snapshot

EGP Income

172K EGP

$3,308 @ rate 52

USD (Old Job)

$2,000

All → Emergency Fund

Total Income

$5,308

Half-month EGP only

Net Surplus

$1,308

EGP income − $2K spend

Splitwise: −$500 → $2,188 remaining

EF topped up: $2,000 old job + $808 surplus = $2,808

IBKR: No buy May · $600/mo starts July

Current Position — After May

Emergency Fund

$2,808

$2,808 of $9,000 target31%

Monthly Income

~$6K

~312,000 EGP

Splitwise Left

$2,188

Final ~Aug

Physical Gold

17g

Restarts Aug

Retirement (IBKR)

$0

No buy May · Jul+

Liquid Reserve

0 EGP

CIB Ossoul · Aug+

Car Loan

4K EGP

~$77 · autopilot ✓

IBKR Portfolio

Mode: FBTC (10%) in both · $600/mo from July

Allocation inside IBKR

Stocks90%

VT

Bitcoin10%

FBTC

Fund Details

VT

90%

Vanguard Total World · 0.07%/yr

~9,000 stocks · 40+ countries · 60% US

FBTC

10%

Fidelity Wise Origin Bitcoin Fund

Spot BTC ETF · 0.25%/yr · SIPC protected

GoldBullion in EGP from Cairo dealers (Phase 2+). No ETF inside IBKR.

Liquid ReserveCIB Ossoul (صندوق أصول) · EGP money market · ~23%/yr · daily redemption · CIB app.

Opportunity FundUSD savings at CIB · no lock-in · ~2-3% · requires EGP→USD conversion.

The Plan — 3 Phases

Click any phase for a month-by-month breakdown ↓

details →

● Active Now

Probation — Stack & Clear

May – Jul 2026

$1,308–4,000 / mo

Emergency Fund

$808–2,400

priority

Splitwise

$500–1,000

mandatory

IBKR (starts July)

$600

July only

Surplus$1,308–4,000

⚠ June hit $1,731. No IBKR/gold during probation.

details →

Upcoming

Deploy

Aug – Oct 2026

$4,000 / mo

Liquid Reserve

52,000 EGP

≈ $1,000

CIB Ossoul

Opportunity Fund

$800

~41,600 EGP

CIB USD

Physical Gold

$700

~36,400 EGP

Cairo · EGP

Retirement (IBKR)

$600

~31,200 EGP

IBKR · USD

Buffer

$500

~26,000 EGP

unallocated

Genuinely free

$400

~20,800 EGP

your call

Total deployed$3,600 / $4,000

⚠ Aug: EF top-up $1,512 + SW final $188. Sep: EF top-up $1,011. Opp Fund skips Aug, reduced Sep.

details →

⚑ Long-term + Review

Cruise

Nov 2026 → ongoing

$4,000 / mo

Liquid Reserve

52,000 EGP

≈ $1,000

CIB Ossoul

Opportunity Fund

$800

~41,600 EGP

CIB USD

Physical Gold

$900

~46,800 EGP

Cairo · EGP

Retirement (IBKR)

$800

~41,600 EGP

IBKR · USD

Buffer

$500

~26,000 EGP

unallocated

Total deployed$4,000 / $4,000

Phase 2 — Full Monthly Allocation

Bucket	USD/mo	EGP approx	Where
Liquid Reserve (Ossoul) CIB Ossoul · EGP · ~23% yield	$1,000	52,000 EGP	EGP fund
Opportunity Fund CIB USD savings · no lock-in · 2-3%	$800	~41,600 EGP	USD savings
Physical Gold Cairo dealers · EGP · hard asset	$700	~36,400 EGP	Cairo · EGP
Retirement (IBKR) 90% VT + 10% FBTC · long-term	$600	~31,200 EGP	IBKR · USD
Buffer Absorbs surprises · or extra IBKR	$500	~26,000 EGP	flexible
Genuinely free Candidate for IBKR at Feb 2027 review	$400	~20,800 EGP	your call
Total surplus	$4,000	~208,000 EGP	monthly

12-Month Targets

Emergency Fund

$2,808→$9,00031%

Splitwise — clear it

$2,188 left→$019%

Retirement (IBKR)

$0→$5,100+0%

Physical Gold

17g→30–33g43%

Liquid Reserve

0 EGP→~156K EGP0%

Opportunity Fund

$0→$3,900+0%

Hard Rules

✗Don't prepay the car loan (4,000 EGP/month exact)

✗Don't lock long-term money in EGP high-yield certificates

✗Don't buy bundled retirement / insurance products

✗Don't treat the $1,500 owed to you as real liquidity

✗Don't add cash to CC collateral until EF > $6K

✗Don't scale IBKR above $600 until wire mechanics confirmed

✗Don't use Opportunity Fund except for planned expenses

✗Convert EGP → USD opportunistically, not on a schedule

⚠No heavy illiquid deployment during probation

⚑At Feb 2027: scale IBKR — route $400 free into investments