Nobody Taught You This · Family Balance Sheet

What are you really worth?

Every company runs on one page: what it owns, minus what it owes. Build yours, run the asset test on everything, and get your one next money move.

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01 What you own Use what it would sell for in about a month, not what you paid.

Cash: checking and savingsYour buffer. Retirement and investment accountsWorking: grows on its own. Things that earn moneySide-business equipment, a rental, a business you own. Home (what it would sell for)Lifestyle: you live in it. Vehicles (what they'd sell for)Lifestyle: costs money to keep. What vehicles cost per monthPayments, insurance, gas and upkeep. Anything else you'd really sellSkip furniture and clothes.

02 What you owe The payoff balance today, not the monthly payment.

Mortgage Vehicle loans Credit cards Payday, title or buy-now-pay-later Student loans Medical and other debts

03 Your month Last month's real numbers beat a wish list.

Take-home pay per monthAfter taxes, all earners. Essentials per monthHousing, utilities, food, transportation, insurance, minimum payments. Everything else per monthEating out, shopping, subscriptions, kids' extras. Hours your household works per weekOptional. Include the commute. Used for the hours test.

The course

The Family Balance Sheet

The money playbook nobody taught you, written for the kitchen table.

Short modules built on the series: the asset test, your balance sheet, net worth over income, the cash-flow plan, the debt payoff order, buffer and habits, and a ninety-day plan.
A working planner for Google Sheets and Excel, including snowball and avalanche side by side on your own debts.
Printable worksheets and a family money conversation guide for partners, kids and extended family.

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How to read your page

The asset test

Ask one question about everything you own: does it put money in your pocket, or take money out, every month? A car is an asset on paper, but if it costs you every month it is not working for you.

Net worth over income

Income is what you earn. Net worth is what you keep. A big salary only builds a family if the gap between earning and spending grows with it.

Margin and keep rate

Your margin is what's left after everything. Your keep rate is that margin as a share of take-home pay. It is the single best predictor of where you'll be in five years.

Buffer runway

How many months your cash would cover essentials. A starter buffer comes first, then three to six months once high-interest debt is gone.

“Be thou diligent to know the state of thy flocks, and look well to thy herds.” Proverbs 27:23 (KJV)

This tool goes with Nobody Taught You This | Money Shorts on The Ballers Kingdom YouTube channel.