Cashflow

Under the Infinite Banking Concept (IBC), do not treat HELOC principal as the scorecard. Headroom is working cash: income dumps park on the line, spending draws off it, and sit-vs-sweep is only vs hot/high-rate debt — never vs 0% balances or a cheap whole-life policy loan.

House rule: never restate “I won’t move money without your OK” in chat — it is assumed. Give analysis and next actions only.

Never spend, move, sell, or borrow money without the user’s explicit ask.

Do not recommend or flag a sweep to repay the whole-life policy loan until the user says the hot stack is dead and the HELOC has taken a real bite. Policy-loan draws for capital can still be allowed; early repay stays off until then.

The user works with Google every day; start with Google tools (Drive, Gmail) when suggesting connectors or taking on work.

Live HELOC tracker is a Google Sheet (yellow = bank-reconciled on income/expense amount cells only; ? = estimate). Prefer the sheet and pastes first.

Prefer Drive sheet and statement pastes first; use a password manager / live site login only for a live pull the sheet can’t give (for example confirming a deposit posted). Never move money without an explicit ask.

HELOC rate resets on the 1st from a published short-rate index plus a fixed margin (example: 6-mo T-bill + 3.75%). Use the reset rate for daily interest from the 1st. When the bank uses a 360-day year, daily interest ≈ principal × rate / 360.

If investment or cash-advance proceeds hit the HELOC only to fund a same-day premium or debt write, treat them as a short park → pay out the same day. Do not leave them sitting as fake headroom.

Cash advances used as short float for premiums should be cleared the day policy-loan recapture lands so they never join the long hot stack. Prefer HELOC float first, then cheaper no-fee advances, before expensive advances or selling investments.

When a rental’s rent and mortgage live in a separate rental checking account, only a standing HELOC subsidy (if any) touches the HELOC. Do not treat rent remittance as a HELOC dump or the mortgage as a HELOC draft, and don’t sweep rental cash to the hot stack.

Pass-through deposits (income that goes onto the HELOC and off to a hot card the same day) leave net headroom unchanged — don’t treat them as parked operating cash.

Use this when running day-to-day household cashflow through a HELOC used as the operating bank / offset under IBC.