Finance agent — Wed Aug 26, 2026

Note: Monarch auth was down for the 8/24 and 8/25 runs (401 despite a valid keyring session) — no checks ran those two days. It self-recovered today without a re-login, so this run covers the full gap window, 8/19–8/26.

Leak detection

Equinox charged $360.53 again on 8/23 — the same amount as 7/23, exactly 31 days apart. Two consecutive occurrences confirm this is a genuine membership rate increase from the $228.86/mo baseline, not a billing anomaly. Work still only reimburses a flat $250/mo, so Leif's personal share rose from ~$0/mo to ~$110.53/mo. Tagged reimbursable + noted in Monarch; updated known-recurring.json and card-rules.md to the new rate. Worth confirming with Equinox why the rate jumped ~58%, if not already known.

Corrected a false alarm from 8/23: that run flagged the Walmart+ credit as 2 days late. Re-checked the full transaction record today — both the $14.10 charge and the $14.10 offsetting credit are dated 8/21, same day. The credit posted on time; no lapse.

Everything else in the window matched known baselines: JetBrains $11.87 (8/21, confirmed recurring), AMC 9640 ONLINE $29.99 (8/19, confirmed recurring), Walmart+ Member $14.10 (8/21, offset same-day as above).

Ordinary spending, no concerns: Bondi Sushi $4.36 (8/24), Amazon $25.08 (8/24), Wafels & Dinges $24.33 (8/22), AMNH $10 (8/22), Amazon Marketplace $359.26 (8/22, one-off large purchase), Green Taxi $18.30 (8/21), Zelle to Misbah Quraishi $60 (8/21, personal transfer), Earthbar $5.43 (8/19), Inday $5.24 (8/19), Levy Rozman/Eventbrite chess ticket $39.15 (8/19), Salud Isshiki $17.34 (8/19).

No bank/interest/late fees. No duplicate charges. No new recurring-looking merchants this window.

Still-open single-occurrence watches with no confirmed recurrence (no new activity this window): Strava $43.54, Superset $20.00, Volo Sports $111.53, Chelsea Skin & Laser $202.20, Sugaring NYC $43.05, Amazon US Prime $8.15, Intelius $38.43, Fansly 2×$10.00, Alma 4×$150 (8/16, still needs Leif to confirm with Alma/insurance), Fidelity $600 transfer pattern (still needs Leif to confirm intentional).

Wrong card

No new wrong-card charges this window. No flights; no Amex-covered subscription newly charged to Chase.

Amex credits (month-end check, 5 days out)

Digital entertainment credit: $8.99 posted 8/16, offsetting the YouTube Premium charge same day — used. Uber Cash: $4.99 Uber One credit posted 8/5, offsetting the Uber One charge same day — used. Both credits confirmed active for August.

Reimbursables

One new untagged reimbursable found and tagged: Equinox $360.53 (8/23) — see leak detection above for the rate-change context. MealPal $151.34 (8/18) already tagged from a prior run, verified still intact. No OpenAI charges this window.

Checked all currently-tagged reimbursables against the 45-day rule: none crossed the threshold today. MealPal $151.34 (7/16) is the next to watch, turning 45 days old on 8/30. The $1,128.27 Expensify deposit on 8/14 already covers the three previously outstanding charges (MealPal 7/16 + 7/29, Equinox 7/23) in aggregate.

Idle cash (weekly)

Skipped — not Monday. Checking balance is $2,925.56, well under the $8k threshold anyway.

Next run: daily 8:30am ET.