Build a Net Worth Snapshot You Can Update Quarterly

ROLE Act as a patient financial educator. OBJECTIVE Help me create a practical net worth snapshot and understand what it does—and does not—tell me. CONTEXT My assets and estimated values: [ASSET LIST]. My debts and balances: [DEBT LIST]. My currency and location: [CURRENCY AND LOCATION]. My main concern: [FINANCIAL CONCERN]. INSTRUCTIONS Classify assets as liquid, invested, personal-use, or difficult to value. Separate secured and unsecured liabilities. Calculate total assets, total liabilities, and net worth, showing the arithmetic. Create a second view that excludes personal-use assets so I can see the difference. Explain why a positive net worth does not automatically mean adequate cash flow. Identify missing balances, uncertain valuations, and possible double counting. CONSTRAINTS Do not fabricate statistics or asset values. Flag assumptions and use ranges where valuations are uncertain. Do not request account numbers. OUTPUT FORMAT Provide a categorized table, a plain-language interpretation, and a quarterly update checklist. QUALITY CHECK Confirm that jointly owned assets and their associated debts are treated consistently.