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CarmenWiseWhat-If Lab
Opportunity scanner · life event simulator · financial decision modeling
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Cross-stage opportunity scan
Demo opportunities based on sample data. Sign in to get personalized findings from your actual finances.
💳
Pay down credit card (21% APR)
🔴 High priorityYou have $35k liquid and $17k in 21% debt. Paying it off saves $3,570/yr — better return than any savings account.
$3,570/yr
saved
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📋
No will — critical estate gap
🔴 High priorityWithout a will, the state decides who gets your $826k in assets. A will costs $300-1,500 with an attorney.
Probate
savings
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💼
Life insurance gap: $626k undercovered
🔴 High priorityBased on your income and net worth, you need $1M in coverage. Term life for $1M is ~$50-100/mo.
Coverage
gap
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🏥
HSA contribution saves $946 in taxes
🟡 MediumAt 22% bracket, maxing your HSA ($4,300) saves $946/yr in taxes — money grows tax-free.
$946/yr
tax savings
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💰
28% in cash — $61k opportunity cost
🟡 Medium$35k in savings beyond your emergency fund target. Investing at 7% avg return = $2,450/yr more.
$2,450/yr
opportunity cost
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