Ownership: Individual includes only Person A's entries; Household includes Person A, Person B and joint entries, each once. Imported values replace the starting balances. Use realizable, consistent valuations where possible; pension and insurance values may require special treatment.

Important modelling assumptions: Contributions are invested at month-end; investment returns and property changes are compounded monthly using effective annual rates. Debt interest accrues monthly at the stated annual nominal rate; scheduled payments are applied up to the remaining balance. Unpaid interest can increase debt. Debt payments stop once the debt is repaid; the freed-up cash is not automatically reinvested. Cash receives its own return. Estimates exclude taxes, fees, withdrawals, capital gains tax, insurance premiums and new borrowing.

For illustration, the Conservative and Optimistic scenarios change the annual investment return and property appreciation by −2/+2 percentage points, and the annual cash return by −1/+1 point, within the model limits. They are hypothetical scenarios—not confidence intervals or market forecasts. “Today's dollars” adjusts nominal net worth using the inflation assumption.