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The Ryals Family Plan

A private space for us. Enter the family password.

Our family · 2026 — 2030

Our family plan
2026–2030

Pay down debt, save for the girls, and plan a home addition.

See the path → How we get there

Family plan milestones

Current milestones in the family plan.

Today · 2026

Current plan

Complete the planned balance transfers. Pay down the cards in order. Avoid new debt.

Mid 2027

Daycare ends and truck is paid off

Daycare ends and the truck is paid off. $2,450/month becomes available for debt payments.

2029 — 2030

Home addition

Planned home addition.

Debt payoff plan

Four phases.

A payoff plan based on the dates current payments end.

Phase 01

Pay down priority debt

Transfer the eligible Dani Bank of America balance to Dani Citi, then pay the cards in the order below. Keep other balances low.

Monthly food budget

Keep groceries, restaurants, takeout, coffee, and snacks within this amount.

$2,500
$3,440 Recent monthly average
$940 Possible monthly savings
Open food budget full page →
Monthly payment calculator

Pay off the 0% cards by March 2028

See the monthly payment needed to pay these card balances by March 2028.

Target: final payment March 2028
0% card plan $0
Needed monthly $0
Total balance $0
Months 0
Account First-of-quarter balance Current balance
Total promo balance $0
Needed monthly $0
Needed from commission $0
Quarter pace $0
Enter balances to calculate the monthly plan.
Food budget

Monthly category limits

Save changes to share them across devices.

Open full page →
Phase 02

Increase payments when daycare ends

When daycare and truck payments end, add $2,450 each month to debt payments.

Phase 03

Save and invest

After priority debt is paid off, add money to the girls’ college and savings accounts.

Phase 04

Plan the home addition

Home addition planned for 2029–2030.

Blueprints

Addition design plans.

Open full blueprint PDF
Debt tracker · Google Sheets · updated monthly

Current debt balances

$102,073.85
Total Remaining
Updated monthly
1st: Payoff with 401k loan
2nd: Dani Discover
3rd: Brent Double Cash
4th: Dani Wells Fargo
5th: Brent BOA
6th: Brent Citi
Last: Chase Slate
Minimums: Keep paying Discover, LightStream, and Brent Texas Trust.
Other debts: Dani Texas Trust, Southwest, and Nebraska balances may change. Keep making the required payments.
Dani Discover
Promo ends May 2, 2027
Priority 02
$3,290.00
Payoff plan: Pay off with Dani Jan 2027 Commission
Brent Discover
Minimum payment
Minimum
$8,800.00
Dani BOA
Payoff with 401k loan
Priority 01
$9,000.00
Payoff plan: Payoff with 401k loan
Brent Slate Card
Final card payoff priority
Last
$6,300.00
Payoff plan: Pay off with Brent 2028 Bonus
Dani Wells Fargo
Priority 04 in payoff order
Priority 04
$4,200.00
Payoff plan: Payoff with Dani April 2027 Commission
Brent BOA
Priority 05 in payoff order
Priority 05
$9,700.00
Payoff Plan: Payoff with Dani July & October 2027 Commisions
Brent Citi
Priority 06 in payoff order
Priority 06
$6,800.00
Payoff Plan: Payoff with Dani January 2028 Commission
Brent Double Cash
Priority 03 in payoff order
Priority 03
$4,200.00
Payoff plan: Pay off with Brent March 2027 Bonus
Texas Trust Card
Minimum payment: $485/month
Minimum
$23,920.94
LightStream Loan
Minimum payment: $368.27/month
Minimum
$16,441.41
Discover Personal Loan
Minimum payment: $647.57/month
Minimum
$23,771.50
🎯
The play: Follow the card payoff order above and keep minimums paid on Discover, LightStream, and Brent Texas Trust. Dani Texas Trust, Southwest, and Nebraska balances may vary; try to keep them under control.
Monthly bills · Google Sheets · checking sync

Bills and due dates

Paid status syncs from the Ryals Monthly Bills Google Sheet.

Current month
Total bills — Loading this month
Paid — Checking the Sheet
Outstanding — Open bills
Overdue — Needs attention
Bill / Payee Due Category Amount Autopay Status
Syncing with Google Sheets…
Loading bills from Google Sheets… Update in Google Sheets →
Monthly spending · Copilot CSV

Monthly spending

Upload the full Copilot transaction export in the food tracker. Monthly categories and year-to-date totals update from the same transactions.

June 2026
$26,403.11
Total spending from June transactions
Debt Payments
$2,833.49
Visible credit card payments in June transactions
Food spending
$3,721.71
Food, groceries, quick stops, and dining out

Summary

June spending was $26,403.11. The largest categories were flights, mortgage, and credit card payments. Food spending was $3,721.71, or $1,221.71 over the $2,500 budget.

June categories

Copilot CSV · June
Flights
$5,413
Mortgage
$3,418
Credit Card Payments
$2,833
Primrose
$1,925
Grocery Store
$1,817
Amazon
$1,543
Kid activities
$1,451
Utilities
$1,381
Auto Payments
$1,196
Walmart/Target
$747
To Bless Your Nest Cleaning
$542
Fast Food
$410
Retail stores
$405
Gas
$306
Restaurants
$300
Venmo/ZELLE
$295
Subscriptions
$280
Maid Service
$216
Purchase Interest Charge
$202
Mosquito Joe
$184
Life Insurance
$180
Door Dash
$169
Kids Sports
$160
Pharmacy
$137
Costco
$114
Year to date · Copilot CSV

2026 spending so far

Copilot category totals from January through the selected month.

Jan-Aug 31, 2026
$198,556.67
Total spending · Copilot

Category Totals

51 categories · Copilot
Credit Card Payments$43,471.09
Mortgage$23,640.07
Auto Payments$12,558.54
Primrose$11,545.00
Amazon$7,959.26
Kid activities$7,318.75
Grocery Store$7,008.44
Walmart/Target$6,594.23
Utilities$6,299.97
Flights$5,724.26
Restaurants$4,765.70
University of Ark$4,089.89
Retail stores$2,892.31
Purchase Interest Charge$2,889.50
Subscriptions$2,519.64
Fast Food$2,501.44
Hotel/Airbnb$2,186.98
Auto Insurance$1,972.99
Doctor Appts$1,926.03
Gas$1,603.52
Pharmacy$1,516.68
Hardware Store$1,511.28
Door Dash$1,477.41
Venmo/ZELLE$1,335.26
Mosquito Joe$1,288.07
Life Insurance$1,261.47
Dog Food$1,028.98
Uber$917.39
Liquor Store$884.27
Pool$768.75
Costco$732.18
Pizza$641.80
Gas station snacks$634.45
Kids Sports$603.58
Coffee$565.60
ATM/CASH$557.50
To Bless Your Nest Cleaning$542.00
Florence Elementary$482.32
Maid Service$432.50
Movies$398.04
Parking$332.13
TikTok shop$193.29
EBAY/ETSY$172.24
SHEIN$169.47
ZAR$160.63
Vet Bills$134.66
Auto registration$99.00
Dollar store$95.80
Shipping$65.17
Concert/Game tickets$27.55
Auto Repair$21.24
Autos and home loan · updated manually

Autos & mortgage

Pay scheduled amounts while directing extra payments to priority debt.

Secured Debt Total
$477,515.32
Autos plus Pennymac mortgage
Auto Loans
$69,354.32
$1,780.23/month combined
Mortgage
$406,096.92
Pennymac balance

Brent · 2021 GMC Sierra

Texas Trust · Auto loan
Auto
$8,308.33
Payment $787.91/mo Plan Paid off Sept 2027 🎉

Dani · GMC Yukon

Wells Fargo · Auto loan
Auto
$61,045.99
Payment $992.32/mo Plan Pay on schedule · focus credit debt first

Home Mortgage

Pennymac · Primary residence
Home
$406,096.92
Equity math Home value minus mortgage Plan Stay current · build toward the addition
Debt Tracker

Live Debt Tracker

Live debt balances and payoff projections in our shared Google Sheet.
The Dashboard

Copilot

Monthly spending and account balances.
The Bills

Live Bills Tracker

Monthly bills, due dates, and subscriptions — updated as we go.
Assets and debts · updated manually

Assets and debts

Includes home equity, retirement accounts, investments, and pension value.

Estimated assets minus debts
$337,429.68
Manual estimate · home value $647,200
Other assets
$269,303.46
Investments, retirement accounts, pension
Cards, loans, and autos
$172,976.86
Credit cards, personal loans, auto loans
Home Equity
$241,103.08
Home value minus mortgage
Schwab investments
$6,660.25
Brent 401k
$57,899.21
Dani 401k · estimate
~$100,000
Brent Verizon pension · estimate
$104,744
VerizonBenefitsConnection.com · 855.489.2367
Credit cards & personal loans
-$102,073.85
Auto loans
-$69,354.32
Pennymac mortgage
-$406,096.92
Home value
$647,200

Home equity is the estimated home value of $647,200 minus the $406,096.92 Pennymac mortgage balance. Update the home value when needed.

Investments · Schwab · updated manually

Investment balances

College and investment account balances. Updated manually from Schwab.

Schwab Investment Total
$6,660.25
Last updated: August 2026 · Schwab
529 Plans
$5,578.59
Johnni + Sammi college funds
Custodial
$772.37
Invested for the girls
Brent Brokerage/Roth
$309.29
Individual plus Roth IRA

Schwab screenshot also shows an Equity Award Individual account with a $0.00 balance. Totals above reflect the visible investment accounts from the Schwab view.

Family documents

Estate documents

Family legal documents and signing status.

⚠️
Action Required — Documents Need Signing

All documents have been drafted. Each requires witnesses and a notary to be legally valid in Texas. See instructions below each document.

👤

Brent's Documents

Last Will & Testament Needs Signing
ChildrenJohnni Ryals, Sammi Ryals & Venice Fagan
ExecutorDanielle Ryals · backup: Emily Jackson
Estate toDanielle Ryals (entire estate)
Requires2 witnesses + notary
Advance Healthcare Directive Needs Signing
Healthcare AgentDanielle Ryals
Alternate AgentEmily Jackson · 215 Talon Dr, Keller TX
Requires2 witnesses (no notary needed)
Durable Power of Attorney Needs Signing
AgentDanielle Ryals
Successor AgentEmily Jackson
PowersFull financial & legal authority (A–M)
Requires2 witnesses + notary
👤

Dani's Documents

Last Will & Testament Needs Signing
ChildrenJohnni Ryals, Sammi Ryals & Venice Fagan
ExecutorBrent Ryals · backup: Trevor Bunte
Estate toBrent Ryals (entire estate)
Requires2 witnesses + notary
Advance Healthcare Directive Needs Signing
Healthcare AgentBrent Ryals
Alternate AgentTrevor Bunte · 14432 Padden Park, Roanoke TX
Requires2 witnesses (no notary needed)
Durable Power of Attorney Needs Signing
AgentBrent Ryals
Successor AgentTrevor Bunte
PowersFull financial & legal authority (A–M)
Requires2 witnesses + notary
🏛️

Joint Document — Revocable Living Trust

Needs Signing + Funding
The Brent Ryals and Danielle Ryals Revocable Living Trust
Initial TrusteesBrent Ryals & Danielle Ryals (joint)
Brent's ReplacementDanielle Ryals · backup: Emily Jackson
Dani's ReplacementBrent Ryals · backup: Trevor Bunte
BeneficiariesDescendants of both Brent & Danielle Ryals
RequiresNotary only · then fund by transferring home deed
📌 Next step after signing: A Home Transfer Deed must be prepared and recorded to move the house into the trust. Log in at wills.legalplans.com for instructions.
👧👧👧 Guardianship — Venice, Johnni & Sammi
Primary Guardian
Trevor Bunte
14432 Padden Park · Roanoke, TX 76262
Backup Guardian
Emily Jackson
215 Talon Drive · Keller, TX 76262

Named in both Brent's and Dani's Wills. Venice Fagan, Johnni Ryals, and Sammi Ryals all go to Trevor first, Emily second — no ambiguity, no gaps.

🛡️

Life Insurance

Brent Ryals — Banner Life (Legal & General) · Personal
Policy #5000353776
Coverage$500,000 · 20 Year Term
Policy DateApril 4, 2023 · expires April 3, 2043
Premium$151.51/month (EFT monthly)
BeneficiaryDanielle Ryals (100% · wife)
ProviderBanner Life · 800-638-8428 · LGAmerica.com
Brent Ryals — Securian · Employer Policy #1 · Basic Life
Coverage$78,000
BeneficiaryDanielle Ryals (100% · wife)
ProviderSecurian Financial
Brent Ryals — Securian · Employer Policy #2 · Supplemental Life
Coverage$234,000
BeneficiaryDanielle Ryals (100% · wife)
ProviderSecurian Financial
Danielle Ryals — Banner Life (Legal & General) · Personal
Policy #5000353768
Coverage$1,000,000 · Term Life
Policy DateFebruary 7, 2023
Premium$28.70/month
BeneficiaryBrent M Ryals
ProviderBanner Life · 800-638-8428 · LGAmerica.com
⏳ Pending — Dani's Employer Life Insurance
Coverage details needed from Dani's HR / benefits portal. Add policy number, coverage amount, and beneficiary info when available.
📈

Retirement Accounts

Brent 401kSchwab · $57,899.21 · contributing 5% for full match
Brent PensionVerizon · vested 10yr 10mo · lump sum $104,744 at normal retirement
Pension AccessVerizonBenefitsConnection.com · Benefits Center: 855.4VZ.BENS (855.489.2367)
⏳ Dani 401k Details pending — estimated ~$100k. Add provider, account number, and beneficiary info when available. Note: $50k loan currently repaying via paycheck.
📄 Open Full Estate Plan PDF in Google Drive
Insurance and accounts

Family protection

Current disability and insurance coverage.

If Brent Can't Work
Short-Term Disability
100%
of salary · employer paid
Covers the first weeks — full paycheck continues while short-term recovery happens.
Long-Term Disability
60%
of salary · ongoing
If a long recovery is needed, 60% of the paycheck keeps coming. The plan stays alive.
AD&D — Brent
Voluntary AD&D
$778,000
accidental death & dismemberment
Life insurance details — Basic Life ($78k) and Supplemental Life ($234k) — are documented in the Estate section above.
Dependent Coverage
Dependent Life — Spouse
$156,000
if Dani passes
Dependent Life — Child
$25,000
per child
The family is covered from every direction. This plan survives anything.