Wow... I wrote some really bad queries. I have an idea to change them from creating some Cartesian coordinate to a known subset. In laymen's terms, they were probably evaluating thousands of members times the subaccount total... possibly millions of rows! The functions for loading members already have the subs' IDs loaded, so I'll use that. Known subset is from algebraic maths - {1,2,4,8} - same principle applies in SQL. Now, it only evaluates you and your subaccounts - 30-odd for you, 3 for me.
Please try My Money in the profile. That section uses the updated queries. The others haven't been changed yet because I'm waiting on feedback.