In this episode of EWA’s FIN-LYT Podcast, Matt and Ben tackle a question that makes or breaks long term financial independence for high achievers with sizable balance sheets. Is your balance sheet truly healthy, or is it one bad year away from stress and hard choices? Drawing on real client scenarios, they break down why headline net worth is not the full story and how liquidity, concentration, and debt all interact when markets shift or your business hits a snag.
They explain why big wealth is often created through concentration in a business, a single stock, or real estate yet preserved through thoughtful diversification and accessible reserves. You will hear practical guardrails you can apply right away: limit any one stock or business interest from dominating your net worth, build a personal liquidity buffer so you can become your own bank in a downturn, and right size real estate so it supports rather than strains your plan.
Matt and Ben also explore the emotional side of rebalancing concentrated winners, why stealth wealth and reverse budgeting help owners stay disciplined, and how lines of credit secured by investment accounts can provide flexibility without forcing sales at the wrong time. They outline key takeaways such as holding 5 to 10 percent in true liquidity like cash, T bills, or short CDs with fast access, keeping your primary residence near or below 20 percent of net worth and total real estate near or below 40 percent, maintaining total personal debt near or below 15 percent, and monitoring concentration so no single position puts your plan at risk.
Whether you are a business owner, an executive with significant RSUs, or an investor with meaningful real estate, this episode offers a clear framework to turn a chaotic collection of assets into a simple, resilient balance sheet that works for you. Join us each week as we share insights to help you align your wealth with the life you want to live.
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