家底快照 - 家庭资产负债表

Most expense trackers get abandoned inside a month. JiaDi asks for three minutes, once a month, and only for the balances that changed. It answers "what do we own, what do we owe, and which way is our net worth going" - not "what did I spend on coffee today". The coffee is not what decides whether a household can absorb a shock. SEVEN PLAIN-LANGUAGE CATEGORIES No "current assets", no "interest-bearing instruments": - Money you can use today: current accounts, wallets, cash - Money you have put away: stocks, funds, term deposits, gold - Money you cannot reach yet: pension accounts, insurance cash value - Property and big items: home, car, other valuables - Money owed to you: lent to friends, deposits, unreimbursed expenses - Bills due soon: credit cards, short-term consumer credit - Long-term loans: mortgage and car loan, as principal outstanding Each says what belongs in it: insurance…