30 — Finance (Money)

Money is a tool. The codex is where you keep the instructions.

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What Lives Here

Your complete personal financial picture — income, spending, savings, investments, net worth, and the strategy behind all of it.

• Snapshot — current net worth, income, monthly spend
• Budget — how you allocate money each month
• Investments — portfolio, accounts, performance
• Financial goals — what you’re building toward and the timeline
• Debt — what you owe, payoff strategy, progress
• Financial SOPs — how you run your monthly/quarterly money review

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Suggested Folder Structure

30 Finance (Money)/
├── financial-snapshot.md         ← Net worth, income, monthly burn (updated monthly)
├── budget.md                     ← Monthly allocation by category
├── investments/
│   ├── portfolio-overview.md     ← What you own and why
│   └── accounts.md               ← Account list, institutions, login hints
├── debt/
│   └── payoff-plan.md            ← What you owe, interest rates, payoff order
├── financial-goals.md            ← 1-year and 5-year targets with milestones
└── sops/
    └── monthly-review.md         ← How you run your monthly money audit

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Zeus’s Note

Most people avoid this domain because seeing the numbers is uncomfortable. I did too. Then I ran my first net worth calculation and realized: not knowing isn’t protection, it’s just delayed discomfort with compound interest on the anxiety.

I do a monthly financial review — 30 minutes, same checklist every time. Income vs. target, major expenses, investment contributions, net worth update. That’s it.

I don’t log every transaction. I track by category at the end of the month. The goal isn’t perfect tracking — it’s patterns and trends over time.

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Getting Started

1. Calculate your current net worth (assets minus liabilities) and write it in financial-snapshot.md
2. List your income sources and monthly fixed expenses
3. Document your top 3 financial goals for the next 12 months
4. Write your sops/monthly-review.md checklist — what questions do you ask yourself about money every month?