How would you rate the financial health of this person? Assets: 500K Liabilities: 37K Income: 5K/year Expenses: 7K/year -> Slightly Cash‑flow negative but net worth sky‑high. Broken? Salvageable? Thriving? Now imagine they cut expenses by 1-2K and/or boost income by 1-2K next year — instantly cash‑flow positive. So here’s the real question: Should they liquidate 37K of debt when they’re sitting on half a million in assets… or let that cheap debt ride while focusing on growth? 🚩 Are you generally worried about this person?! Which side are you on?