# Daily Notes — 2026-04-06

## Discord #finance — CFO Setup & Ongoing Financial Conversations (Mar 24 - Apr 6)

### CFO Agent Architecture (Mar 24)
- Mike asked how to set up AI executive agents (CMO, CFO)
- Decided: Harvey stays as the single agent, role defined by channel (not separate agents)
- Exception: CMO needs to be autonomous/parallel, so it may warrant a separate agent
- CFO scope: NMC only (no HoldCo yet — aspirational, not a legal entity)
- Weekly P&L digest + monthly close report planned for this channel
- Budget guardrail role: CFO approves CMO spending

### CMO Agent Brief (Mar 24)
- Posted project brief to #marketing channel
- CMO will be autonomous with Mike approval on outbound content initially
- KPIs: leads/mo, CAC, conversion rate, reactivation bookings

### Bookkeeper Integration (Mar 24)
- Jerby (bookkeeper via Ledgers Online) is behind on data entry — March shows only $450 revenue in QuickBooks
- Books won't be current until ~10th of each month
- YNAB used as real-time bridge (auto-syncs daily from bank)
- Dual source: YNAB for real-time, QuickBooks for authoritative month-end

### YNAB Business Cron (Mar 24)
- Set up daily cron at 11:15 AM for business budget auto-categorization
- Cloned from personal budget cron (65e31205)
- Auto-categorizes known payees, flags unknowns to #finance
- Tested and working

### Expense Audit (Mar 24)
- Identified ~$634/mo in potential cuts:
  - Aircall: was $317, Mike says now ~$120 (downgraded)
  - Hubstaff: $111/mo — Mike exporting data, likely cancelling
  - ClickUp: annual — needs data export then cancel (not migration, not used anymore)
  - Slab + unknowns: ~$115/mo
- Ahrefs ($158/mo): Mike decided to keep for now, will export data before cancelling later
- Flagged several unknown payees for Mike to identify

### Personal-to-Business Write-Off Opportunities (Apr 4)
- OpenAI ChatGPT $28/mo — move to business
- Home office deduction — not being claimed, worth $2-3K/yr (needs Jerby setup)
- 407 ETR — partial business use (log business trips)
- Gas — partial business use (log business KMs at $0.70/km CRA rate)
- Client meals — 50% deductible if documented (who + business purpose)
- MLSE/Ticketmaster — if client entertainment, 50% deductible with documentation

### Weekly Expense Forecast (Apr 5)
- Personal: ~$5,050-5,100 coming due (mortgage $2,215, property tax $1,165, car loans $709, insurance $430, Enbridge ~$300)
- Business: ~$11-14K (contractors $8-12K, payroll $1,033, software subscriptions)
- Personal cash: $6,689 — tight until Friday payday
- Business cash: $20,761 — comfortable

### Mike's Income Correction
- Mike IS taking income from NMC — ~$5,023/mo as wages (not management fees)
- Previously showed as Management Fees (2017-2020), now categorized as Wages

### Anthropic API Cost Analysis (Apr 6)
- Total spend Apr 1-6: ~$76.70 USD
- Projected: $383-575/mo depending on usage intensity
- Harvey (openclaw key): 95% of costs ($73.15)
- Leah/SMS (nmc-chat-bot key): 5% ($3.55) — very efficient
- **#1 cost driver: Sonnet 4.6 cache writes ($44.84 = 58% of total)**
- Cache writes happen on every new session/channel switch
- April 5 was $40.11 despite Mike only working ~2 hours — cron jobs are the cause

### Cron Cost Optimization Needed
- Several crons defaulting to Sonnet when they should be Haiku:
  - YNAB personal (no model set = defaults to Sonnet)
  - daily-openclaw-maintenance (no model set)
  - daily-agent-backup (no model set)
  - daily-summary (explicitly Sonnet 4.6)
  - night-shift (main session, most expensive)
- Proposed fix: switch YNAB personal, daily-summary, daily-maintenance, daily-backup to Haiku
- Estimated savings: $5-10/day
- Mike needs to approve changes — pending his response

### Key Insight: Channel Hopping = Cost
- Each Discord channel is a separate session = separate cache write
- 10+ channels + Telegram + Slack + heartbeats + crons = many cold starts per day
- Consolidating conversations into fewer channels would significantly reduce costs
- Trimming MEMORY.md and workspace context files also reduces per-write cost