Personal Financial Statements
Your balance sheet
Every company you invest in publishes a balance sheet. Almost nobody makes their own.
Read it in three layers: each settles its own assets against its own liabilities and carries the result
down, so you see what is liquid before you see what is locked up. Open any line with the arrow to break
it into accounts. The emergency reserve is not an asset of its own: mark the part of an account you
intend to keep available, with the ∗ button.
Investable amount
0
Liquid net worth
0
Deployable or spendable now
Total net worth
0
Total liabilities
0
Secured borrowing
0
The investable amount is what the risk profile is built on: a profile belongs to a pool of money with a purpose, not to a person. Bar lengths are comparable across all three layers, measured against the single largest line on the sheet. A line broken into accounts shows their total, which is then read-only.