Observed arrival · 2026-09-06
Universal Capitalism Turns a Household Into a 10-K
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An interactive personal-underwriting workbook that models a person as a going concern, pricing free cash flow, lifestyle maintenance, debt, and an implied investment return.
Field notes
The workbook divides household economics into five filing stages, including a separate maintenance-capex section for recovery spending, work hours, sleep, and days off. Its sample filing calculates $3.34 million in human-capital NPV to age 65, then converts the result into a proposed capped FCF share with a $59,896 maximum check and a seven-year duration. The page also displays burnout and decadence indicators alongside conventional balance-sheet figures, making its treatment of personal life unusually explicit.
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