Balance,Day change
Total account value,${FG_PORTFOLIO_BASELINE_VALUE_RAW},${FG_PORTFOLIO_DAY_CHANGE_RAW}      → Portfolio Value
Margin buying power,${FG_MARGIN_BUYING_POWER_RAW},${FG_MARGIN_BUYING_POWER_DAY_CHANGE_RAW}
Net debit,${FG_MARGIN_BASELINE_BALANCE_RAW},${FG_MARGIN_DAY_CHANGE_RAW}                 → Margin Balance (abs value)
Margin interest accrued this month,${FG_MARGIN_INTEREST_ACCRUED_THIS_MONTH_RAW},    → Monthly Interest (actual)

Previous: ${FG_MARGIN_BASELINE_BALANCE}
Current: ${FG_MARGIN_JUMP_EXAMPLE_CURRENT} (+${FG_MARGIN_JUMP_EXAMPLE_DIFF}) → 🚨 ALERT - Confirm intentional draw

Date: ${FG_MARGIN_EXAMPLE_DATE}
Margin Balance: ${FG_MARGIN_BASELINE_BALANCE}
Interest Rate: ${FG_MARGIN_INTEREST_RATE}
Monthly Interest Cost: ${FG_MARGIN_MONTHLY_INTEREST_COST}
Notes: Month 1 - Building foundation, on track per strategy

import os
from datetime import datetime

months_elapsed = (current_date - datetime.fromisoformat(os.getenv("FG_STRATEGY_START_DATE"))).days // 30

if months_elapsed < 6:
    note = f"Month {months_elapsed} - Building foundation, on track per strategy"
elif months_elapsed < 12:
    note = f"Month {months_elapsed} - Approaching Month 6 milestone"
elif months_elapsed < 18:
    note = f"Month {months_elapsed} - Approaching break-even milestone"
else:
    note = f"Month {months_elapsed} - Mature strategy, monitor scaling"

= Latest entry from Margin Dashboard
Example: ${FG_MARGIN_BASELINE_BALANCE}

= Latest calculated cost
Example: ${FG_MARGIN_MONTHLY_INTEREST_COST}/month

= Monthly Interest Cost × 12
Example: ${FG_MARGIN_MONTHLY_INTEREST_COST} × 12 = ${FG_MARGIN_ANNUAL_INTEREST_COST}/year

= Pull from Dividend Tracker "TOTAL EXPECTED DIVIDENDS"
Example: ${FG_DIVIDEND_MONTHLY_INCOME}/month

= Dividend Income ÷ Monthly Interest Cost
Formula: =IFERROR(Dividends / Interest, 0)
Example: ${FG_DIVIDEND_MONTHLY_INCOME} ÷ ${FG_MARGIN_MONTHLY_INTEREST_COST} = ${FG_DIVIDEND_COVERAGE_RATIO} 🟢

Before: =B10 / B11  (causes #DIV/0! when margin = 0)
After: =IFERROR(B10 / B11, 0)  (returns 0 when no margin)

= Total account value ÷ Margin Balance
Example: ${FG_PORTFOLIO_BASELINE_VALUE} ÷ ${FG_MARGIN_BASELINE_BALANCE} = ${FG_PORTFOLIO_MARGIN_RATIO} 🟢🟢🟢

Current monthly draw: ${FG_CURRENT_MONTHLY_DRAW} (fixed expenses only)
Target: Start with ${FG_CURRENT_MONTHLY_DRAW}, scale to ${FG_MONTH6_DRAW_TARGET}, ${FG_MONTH12_DRAW_TARGET}, ${FG_MONTH18_DRAW_TARGET} based on data

import os
from datetime import datetime

start = datetime.fromisoformat(os.getenv("FG_STRATEGY_START_DATE"))
current = datetime.now()
months_elapsed = (current - start).days // 30

📊 MONTH 6 MILESTONE CHECK:
✅ Dividends: ${FG_DIVIDEND_MONTHLY_INCOME}/month (need ${FG_MONTH6_DIVIDEND_MINIMUM})
✅ Portfolio-to-Margin Ratio: ${FG_PORTFOLIO_MARGIN_RATIO} (need 4:1+)
✅ Dividend Growth: On track

🎯 RECOMMENDATION: Scale margin draw to ${FG_MONTH6_DRAW_TARGET}/month (add mortgage)
- Current: ${FG_CURRENT_MONTHLY_DRAW} (fixed expenses only)
- New: ${FG_MONTH6_DRAW_TARGET} (fixed + mortgage)
- Safety margin: Excellent

📊 MONTH 12 BREAK-EVEN CHECK:
Expected Dividends: ${FG_MONTH12_DIVIDEND_TARGET}/month (goal: break-even with margin interest)
✅ IF achieved: Consider scaling to ${FG_MONTH12_DRAW_TARGET}/month (add some variable expenses)
⚠️ IF not: Hold at ${FG_MONTH6_DRAW_TARGET}, assess strategy

📊 MONTH 18 MATURE STRATEGY CHECK:
Expected Dividends: ${FG_MONTH18_DIVIDEND_TARGET}/month
Expected Margin: Declining (dividends paying down debt)
✅ IF achieved: Consider scaling to ${FG_MONTH18_DRAW_TARGET}/month (most variable expenses)
⚠️ IF not: Hold current level, reassess timeline

✅ Ratio > 4:1 AND dividends covering interest
Status: On track, continue per strategy

⚠️ Ratio 3.5-4:1 OR dividend coverage declining
Action: Pause scaling, monitor weekly

🚨 Ratio < 3:1 OR dividend cuts detected
Action: STOP draws, inject ${FG_BUSINESS_INJECTION_RED} business income

⛔ Ratio < 2.5:1 OR margin call risk
Action: STOP draws, inject ${FG_BUSINESS_INJECTION_CRITICAL} business income, consider selling hedge (SQQQ)

Portfolio Value: ${FG_PORTFOLIO_BASELINE_VALUE}
Margin Balance: ${FG_MARGIN_BASELINE_BALANCE}
Ratio: ${FG_PORTFOLIO_MARGIN_RATIO} 🟢🟢🟢

Monthly Interest: ${FG_MARGIN_MONTHLY_INTEREST_COST}
Dividend Income: ${FG_DIVIDEND_MONTHLY_INCOME}
Coverage: ${FG_DIVIDEND_COVERAGE_RATIO} 🟢

Status: Excellent - building foundation

Portfolio Value: ${FG_MONTH6_PROJECTED_PORTFOLIO} (projected with W2 contributions)
Margin Balance: ${FG_MONTH6_PROJECTED_MARGIN} (scaled to ${FG_MONTH6_DRAW_TARGET}/month draw)
Ratio: ${FG_MONTH6_PROJECTED_RATIO} 🟢

Monthly Interest: ${FG_MONTH6_PROJECTED_MONTHLY_INTEREST}
Dividend Income: ${FG_CURRENT_MONTHLY_DRAW} (projected)
Coverage: ${FG_MONTH6_PROJECTED_COVERAGE} 🟢

Status: Healthy - on track for break-even

Portfolio Value: ${FG_MONTH15_PROJECTED_PORTFOLIO}
Margin Balance: ${FG_MONTH15_PROJECTED_MARGIN} (scaled to ${FG_MONTH12_DRAW_TARGET}/month draw)
Ratio: ${FG_MONTH15_PROJECTED_RATIO} 🟢

Monthly Interest: ${FG_MONTH15_PROJECTED_MONTHLY_INTEREST}
Dividend Income: ${FG_MONTH15_PROJECTED_DIVIDEND_INCOME}
Coverage: ${FG_MONTH15_PROJECTED_COVERAGE} 🟢

Status: Break-even achieved, dividends > interest

// STEP 1: Read Spreadsheet ID from user profile
// Load fin-guru/data/user-profile.yaml
// Extract: google_sheets.portfolio_tracker.spreadsheet_id

// STEP 2: Read Margin Dashboard
mcp__gdrive__sheets(
    operation: "spreadsheets.values.get",
    params: {
        spreadsheetId: SPREADSHEET_ID,  // from user-profile.yaml
        range: "Margin Dashboard!A2:E50"
    }
)

// STEP 3: Add new margin entry
mcp__gdrive__sheets(
    operation: "spreadsheets.values.update",
    params: {
        spreadsheetId: SPREADSHEET_ID,  // from user-profile.yaml
        range: "Margin Dashboard!A2:E2",
        valueInputOption: "USER_ENTERED",
        requestBody: {
            values: [[date, balance, rate, monthly_cost, notes]]
        }
    }
)