Couples
Wealth Audit
Know exactly where you stand before you build. Work through this together — 30 minutes, no phones.
Before You Begin
This audit is your starting point. There are no wrong answers — only honest ones.
Sit together as a couple. Be specific where you can — estimate where you can't. The goal isn't perfection. It's an honest picture of where you stand today. Every number that moves in the right direction over the next twelve months is evidence the system is working.
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Your Household
The basics — who you are as a wealth-building unit.
Your Income
Understanding the engine — what comes in and how it's structured.
Two incomes isn't just a higher standard of living. It's two borrowing capacities, two super accounts, two concessional caps, and two tax positions the ATO will reward if you structure correctly. This is the dual income edge — and most couples never use it.
Your Assets
What you own and what it's worth — an honest snapshot.
Your Liabilities
What you owe — total picture, no surprises.
Total assets minus total liabilities equals your net worth. This is the number you're building. It's your starting line, not your finish line.
Monthly Cashflow
Where the money actually goes — the honest version.
Your Goals
What you're actually building toward — in your own words.
If money stopped being a source of anxiety for your household — if it was simply sorted — what would you spend your energy on instead? Write it here, without editing yourself.
Self-Assessment
Rate yourselves 1 (not in place) to 5 (fully sorted). Be honest — this is for you.
| Area | Score |
|---|
Your Next Steps
Three things to do before you finish Chapter 1.
Confirm your combined net worth. Assets minus liabilities. Write it down. This is your starting line — the most important number you'll track over the next ten years.
Check both super accounts this week. Log in, find the balance, find the investment option, and write it down. You don't need to change anything yet — just know where you stand.
Identify your biggest gap from the self-assessment. Not all ten areas — just the one that scored lowest. That's where the book will help you most. Start there.
Wealth built from purpose outlasts wealth built from fear. The reason behind the plan is the plan.
Return to this audit in 12 months. Every number that has moved in the right direction is evidence the system is working.