Fourteen working documents, one per page, laid out to print cleanly on A4 and US Letter. Filling these in by hand is deliberate — writing a number down slowly is what makes you notice it.
Everything you own and everything you owe, on one page. Update it quarterly. The gap between the two columns is the only figure that matters.
| Asset | Where Held | Value | Liquid? |
|---|---|---|---|
| Liability | Lender | Balance | Rate |
|---|---|---|---|
Today's split against the split you intend. Percentages, not amounts — amounts move on their own, intentions should not.
| Category | Today % | Target % | Gap | Action |
|---|---|---|---|---|