Household CFO · Episode 11 · Written guide
The financial file someone would need if you couldn't help
Could a trusted person keep the household running for thirty days if the usual money manager were unavailable?
Illustrative examples. These guides explain decisions; they do not give personalized financial, tax, or legal advice.
Many households have one person who knows when bills are due, where policies live, and which account pays the mortgage. That knowledge is useful until the person is ill, traveling, or gone. A family financial file is an operations map. It does not have to contain every statement; it needs to tell an authorized person where to begin.
Start with a one-page index. List financial institutions and the types of accounts held, without placing full account numbers in an easily shared document. Add major recurring bills and their due dates, insurance providers and policy locations, tax preparer or attorney contact if applicable, employer benefit contacts, property information, and where essential records are stored. Note how income reaches the household and which account is normally used for bills.
Separate the map from the keys
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Seven connected numbers, a liquidity map, retirement stress test, decision queue, family file, and annual review. One practical Excel workbook.
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