Personal finance report

Assets (cash, deposits, investments, real estate, car) minus liabilities (loans, debts). Compute quarterly — the main progress metric.

Income minus monthly expenses = free flow. Savings rate = flow/income × 100%. Below 10% — find what to cut or how to raise income.

Cash+deposits, bonds, stocks/funds, real estate, FX. Rule: emergency fund aside, the rest per risk profile. Over 60% in one asset is a risk.

DTI — debt payments/income <36%. Liquidity — fund/monthly expenses >3. Housing share <35% of income. Investing >10% of income.

SMART goals with price and date: a 400k car in 2 years = 17k/month. Match the goal to the flow — if it fails, move the date or amount, not the budget.

One page quarterly: net worth, cash flow, savings rate, asset mix, goal status, 3 decisions. 30 minutes — and finances stay under control.