The Situation

The Signal vs
the Noise

Most financial dashboards show account balances, credit scores, investment values, and spending categories. But buried inside all that data are three numbers that determine whether you are building wealth or treading water — regardless of income.

Your income shows what you earn. These three numbers show what you're doing with it.

— Worthune Decision Framework

• You watch your balance but don't know your savings rate
• You know your income but not your monthly surplus
• You track spending but not the ratio of debt to income