fwiw, I strongly recommend trying out a double-entry ledger tool for keeping track of your finances, if they are indeed this complicated.
Don't do everything at once: start with something simple like your education savings account, and expand from there (the account that you pay into the ESA with, the other accounts that account pays into, etc).
For me, it's a little bit of work each month (~30 minutes, but I've automated a lot of the work), but it buys peace of mind and a very efficient tax season.
Don't do everything at once: start with something simple like your education savings account, and expand from there (the account that you pay into the ESA with, the other accounts that account pays into, etc).
For me, it's a little bit of work each month (~30 minutes, but I've automated a lot of the work), but it buys peace of mind and a very efficient tax season.