CARD INVENTORY:

☐ Disable AutoPay on all 3 credit cards ☐ Call Citi Costco (1-855-378-6467) → Fee waiver request ☐ Call Capital One (800-227-4825) → Fee waiver request (both cards) ☐ Set up manual payments from Navy Federal ☐ Verify CalCoast balance >$2,000 CREDITOR SCRIPT: "Account went over due to cash flow timing. Making full payment [DATE]. Request past-due fee waiver, over-limit fee reversal, and any additional late fees be waived given circumstances and committed payoff."

HOUSING & REAL ESTATE: Primary Residence (El Cajon) Caliber Home Loans Balance/Payment TBD Investment Property (Fort Smith, AR) Planet Home Lending $1,384.86/mo (6.49%, $141,858 principal) NewRez-ShellPoint $3,178.38/mo (structure TBD) Rental Income -$550.00/mo (non-cash-positive) ───────────────────────────────────────── AR NET OBLIGATION $4,012.24/mo TRANSPORTATION: Prius Lease $389.43/mo (due ~05/01) Tundra Loan $1,152.38/mo (due ~27th) Ally Jeep (Business) $790.46/mo (due ~27th) ───────────────────────────────────────── TOTAL TRANSPORTATION $2,332.27/mo INSURANCE: Columbus Life $595.98/mo (split billing — investigate) Western-Southern $198.54/mo (purpose TBD) ───────────────────────────────────────── TOTAL INSURANCE $794.52/mo UTILITIES & SERVICES: Solar Servicing $200.00/mo AT&T (NEW) $313.95/mo OG&E / AR Property $35.00/mo ───────────────────────────────────────── TOTAL UTILITIES $548.95/mo TOTAL FIXED OBLIGATIONS $8,238.98/mo

OBJECTIVE: Stop the bleeding. Prevent overdrafts, failed payments, and additional fees. ACTIONS: • Freeze all new BNPL purchases (Affirm, Klarna) • Disable credit card AutoPay (prevents bounce fees) • Call creditors for fee waivers (May 1-3) • Set up manual payments from Navy Federal • Verify CalCoast liquidity SUCCESS CRITERIA: ✓ No new overdraft fees ✓ No new AutoPay bounces ✓ All minimum payments made on time ✓ CalCoast balance >$2,000 ✓ Navy Federal balance >$1,500

OBJECTIVE: Clear past-due status, eliminate high-interest debt, prevent credit bureau damage. STRATEGY: • Aggressive credit card payoff ($1,500+/month) • Acima aggressive payoff (3-month sprint, $1,293/month to $0) • Bring all accounts current (prevent 30+ day reporting) • Request Affirm deferrals on Rack Attack + Ikon if possible EXPECTED OUTCOMES: ✓ Capital One cards cleared by June 30 ✓ Citi Costco <$4,000 by July 31 ✓ Acima paid to $0 by July 31 ✓ All past-due statuses removed

OBJECTIVE: Rebuild emergency fund, establish sustainable discretionary budget. ALLOCATION: Emergency Fund Building $1,000/mo Remaining BNPL Obligations ~$800/mo Discretionary (capped) $300/mo Contingency/Buffer ~$1,112/mo MILESTONES: September 2026 Emergency fund hits $5,000 December 2026 Emergency fund reaches $8,000+

OBJECTIVE: Build full emergency fund, optimize mortgages, address strategic decisions. TARGETS: Full Emergency Fund $22,608 (3 months fixed obligations) Credit Score Target 700+ Discretionary Budget $500/mo (sustainable) AR Property Decision Refinance/Sell/Hold by Q1 2027 Mortgage Optimization Evaluate refi opportunities

BY EOD APRIL 29: ☐ Send CalCoast Checking + Savings screenshot ☐ Send Citi Best Buy statement (if available) ☐ Decide: Cancel Rack Attack ($291/mo starting May 13)? ☐ Decide: Cancel Ikon Passes ($236/mo starting May 20)? BY MAY 1: ☐ Disable credit card AutoPay (all 3 cards) ☐ Call Citi Costco (1-855-378-6467) ☐ Call Capital One (800-227-4825) — both cards ☐ Set up manual payments from Navy Federal BY MAY 5: ☐ Verify all payments posted successfully ☐ Confirm CalCoast balance >$2,000 ☐ Document all creditor communications MAY PAYMENT TIMELINE: 05/01 Prius Lease $389.43 05/01 Planet Home (AR) $1,384.86 05/01 CITI COSTCO (MANUAL) $476.09 05/01 CAP ONE QS (MANUAL) $300.00 05/02 VACP Pension (income deposit) +$3,938.58 05/02 Los Reyes W2 (income) +$2,923.61 05/13 Affirm Rack Attack $291.00 05/16 CITI COSTCO (DUE DATE) $476.09 05/17 CAP ONE QS (DUE DATE) $100.00 05/20 CAP ONE PLAT (DUE DATE) $50.00 05/20 Affirm Ikon Passes $236.33 05/27 Ally Auto + Tundra $1,182.89 05/27 Columbus Life $595.98

PHASE 1: STABILIZATION (May 2026) Metric Target Status ───────────────────────────────────────────────── Overdraft fees $0.00 TBD AutoPay bounces 0 TBD Credit card payments on time 100% TBD CalCoast balance >$2,000 TBD Navy Federal balance >$1,500 TBD PHASE 2: CRISIS RESOLUTION (Jun-Jul 2026) Metric Target Status ───────────────────────────────────────────────── Capital One cards cleared 2 of 2 TBD Acima paid off $0.00 TBD Citi Costco balance <$4,000 TBD All accounts current 100% TBD Credit bureau reporting PREVENTED TBD PHASE 3: STRUCTURAL REPAIR (Aug-Dec 2026) Metric Target Status ───────────────────────────────────────────────── Emergency fund (milestone 1) $5,000 Sep 2026 Emergency fund (target) $8,000+ Dec 2026 Discretionary budget capped $300/mo Aug 2026 BNPL obligations cleared $0.00 Oct 2026 PHASE 4: LONG-TERM (2027+) Metric Target Status ───────────────────────────────────────────────── Full emergency fund $22,608 TBD Credit score improvement 700+ TBD AR property decision Decision Q1 2027 Sustainable discretionary $500/mo TBD