the stability snapshot
If your family counts on you, you know your numbers better than anyone. And nobody else knows them at all.
The Stability Snapshot puts it all on one page: what comes in, what goes out, who you support, who's on your side, and what's left to invest in the life, the people, and the causes you care about.
Next to nearly every number: how do you feel about it? Not just to feel safe. To be confident and comfortable deciding what your wealth is for.
You built more than you thought you would. And still, you keep second-guessing. How stable am I, really? Could I handle the next unexpected ask? How risky would it be to take a creative sabbatical, or back a friend's business?
Underneath those, the bigger questions: how do I protect this? What is it actually for? Who do I even ask? You've never had a planner, a tax strategist, or an estate attorney, and that first meeting feels like a test you were never taught for.
Either way, you've been the only one who knows the whole picture. This puts it on a page so you don't have to carry it in your head, and so the people who can help you can finally see it.
one tool, three jobs
walk in prepared
Hand it to a new financial planner, CPA, or attorney on day one. Your income, needs, net worth, runway, the people you support, and what's protected and what isn't. You skip the twenty minutes of explaining your life, and they start where you actually are.
make decisions with facts
Runway as three numbers, not one. What's left after needs and wants, named and aimed. A count of the commitments nobody ever agreed to out loud. The facts that turn "should I?" into a real conversation with your partner, your family, or an advisor.
feel steady when life shifts
A career change, a new baby, a parent who needs more, a business, a sabbatical, money that arrived faster than you expected. Sitting with your own numbers on a schedule catches what a dashboard won't, and steadies you when the ground is moving.
Built for first-gen breadwinners, so caregiving gets its own lines instead of hiding inside "other." No bank logins needed; estimates are welcome, and you can check them later.
- 01since last timeWhat moved. What you can set down. One thing your money went toward that you don't regret.
- 02incomeEvery source, listed separately, with how satisfied you are and how secure it feels.
- 03needs and wantsSplit into personal and caregiving, because your own basics and what you cover for others rarely look the same, and both deserve their own line.
- 04nextrasExtra, but for what's next. Income minus needs minus wants: the number that says your wealth is allowed to contribute to something you want, not just survive the month. Plus the questions to answer for yourself before any advisor asks them.
- 05net worthWhat you own minus what you owe, with caregiving debt on its own lines. And the wealth a balance sheet misses: your credentials, your network, your recognition, the trust people place in you.
- 06runwayHow long your savings would hold if it were just you, just the people you care for, or everyone at once. And for each paycheck, whether you'd be fine without it.
- 07commitments and the agreement checkEach thing you cover, marked Agreed (said out loud) or Assumed (nobody actually said it). The count of Assumed is one of the most telling numbers on the page.
- 08who i care forWho leans on you, with age and location, because those change what support someone needs and what kind of professional you might need on your side.
- 09your wealth care teamWealthy families have always had a family office. This is the map of that team for the rest of us: planner, CPA, tax strategist, estate attorney, insurance, banker, bookkeeper, therapist, long-term care advisor, doulas, the 2am call. Who fills each seat for you, and who doesn't yet.
- 10coverage countSixteen protections, from life insurance to a will to "someone else knows where the documents are." Yes, no, or not sure. A fact, never a score.
what you leave with
The last page is Your Snapshot: the numbers that matter most, on one page, written for you and for anyone you hand it to.
And your season. Rebuilding: something happened, and the job is getting back to steady. Reinforcing: you built more than you need. Now protect it and make it stronger. Realizing: the base is solid, and the job is deciding what the extra is actually for.
how it works
the spreadsheet
For people who like the detail. Yellow cells are yours; every total, runway number, and durability figure calculates itself. Duplicate it each season and compare.
the pdf workbook
For people who want room to write. Same ten sections, more space for reflection, a few simple worksheets for the math. Print it or fill it in on a tablet.
Choose your format. Both are the full Snapshot. Pick the one you'll actually sit down with.
Done by hand, on purpose. Bring your fintech tools if you use them. But sitting with your own numbers on a schedule catches what a dashboard won't: the subscription you forgot, the number that quietly crept up, the feeling you'd rather not look at.
Fifteen minutes to an hour. Guess everything and finish fast, or open your accounts and be precise. Both are real Snapshots. Different people need different accuracy to feel unblocked.
Every quarter, or whenever life moves. One Snapshot is a status update. A few in a row show you a trend. Keep every one you finish, so the last runway number is right there to compare.
Nothing here is advice. It's a tool for reflection and education. Bring the finished page to someone who can advise you. The Care Team tab shows you who that might be.
The Stability Snapshot is for reflection and education, not financial, legal, or tax advice. It doesn't know your whole situation and it isn't trying to. Bring it to someone who does.
new here? start with your dime role
The Snapshot has a field for your Dime Role: the pattern you learned for carrying money responsibility for other people. There are six. It's optional, and it makes the Commitments section hit harder, because every role carries commitments differently.
Four minutes. No numbers, no math, no judgment.