Asset and liability positions across all accounts
Net Worth
€42,140
+€2,340 MTD
Assets: €48,920
Liabilities: -€6,780
Why this matters
Net Worth is your true financial position. It measures total assets (what you own) minus liabilities (what you owe). Life Score uses this as the primary Finance indicator.
Total Net Worth
€42,140
Trigger: Positive investment performance + consulting income inflow.
Evidence: Interactive Brokers portfolio up €1,840 (7.2% gain). Consulting payment of €2,500 deposited Jan 3. Total expenses were €1,820 (under budget).
Interpretation: Strong month. Market gains + controlled spending drove net worth growth. This is sustainable if Business sprint doesn't block future consulting income.
Trigger: 58% of net worth is in stock market investments, 20% in crypto.
Evidence: Total investment exposure is 78% of net worth. Liquid cash is only 17% (€8,450). Emergency fund is 5% (€2,260), below 6-month target of €12,000.
Interpretation: Current allocation favors growth over stability. This works during income-generating periods but creates risk during Launch Sprint (no consulting). Consider pausing crypto buys until emergency fund reaches €10k.
Trigger: Student loan balance unchanged at -€6,780. No additional payments made beyond minimum.
Evidence: Interest rate is 2.8% (low). Current investment returns averaging 9-12% annually. Minimum payment is €180/month.
Interpretation: Financially optimal to maintain minimum payments and prioritize investments. Debt payoff is not urgent given low interest rate and positive net worth trajectory. Revisit if income drops or investment returns decline.