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AI tools are business overhead tracked separately from NK weekly profit. NK profit = (Shopify revenue × 76.2% gross margin) minus Meta spend, Shopify ($75/wk), and Klaviyo ($25/wk).
Reimbursement covers what hit the card this week running NK — COGS, Meta, Shopify, Klaviyo — calculated automatically as Shopify revenue minus NK profit. It's a hard cost, not a choice. Family allocation transfers from business checking to joint savings. What's left of NK profit + side income (after family) splits 25/75: tax + operating buffer vs. additional debt paydown on the Chase card. Total to the card each week = reimbursement + additional payment.