Human Wealth™ Number
HW NumberThe primary indicator of Human Wealth™ — the perceived energy generated by your total resource base, translated through purposeful action into lived experience.
Cornerstone Framework
The Human Wealth™ Ontology
A unified architecture of 4 domains and 16 elements that redefines wealth beyond net worth. Grounded in behavioral finance, positive psychology, cybernetics, and gerontology.
The Cybernetic Loop
Human Wealth™ is a circular system, not a linear plan. Each domain feeds the next in a continuous feedback loop.
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Wellbeing insights dictate how resources are mobilized and prioritized.
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Available resources become the inputs for architected life systems.
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Architected systems require behavioral adoption and psycho-physical integration.
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The integrated engine drives the lived experience of wellbeing.
Four Domains at a Glance
Each domain plays a distinct role — from the internal engine that drives performance to the lived experience that defines quality of life.
The Engine
Integration
The internal psycho-physical substrate — the engine from which all performance is drawn.
- •Vitality
- •Self-Efficacy
- •Optimism
- •Resilience
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The Inputs
Resources
The objective socio-economic and environmental 'soil' available to the client.
- •Structural Capability
- •Financial Security
- •Environmental Quality
- •Social Network
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The Processes
Systems
The active state of operation where potential is translated into purposeful action and engagement.
- •Autonomy
- •Goal Setting
- •Community Connection
- •Engagement
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The Outputs
Wellbeing
The evaluative and emotional output of the system. Captures the quality of the client's life as lived.
- •Meaningful Life
- •Satisfying Life
- •Psychological Richness
- •Daily Affect
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The Human Wealth™ Formula
Borrowed from physics — your HW Number treats your domains as Mass (potential energy) and Velocity (performance). Resources without action are inert; action without resources is unsustainable.
HW = ½× 2
Tap m or v to see what they represent
Mass (m) — Potential Energy
Integration
The Engine — your psycho-physical substrate
Resources
The Inputs — socio-economic soil
Mass represents your stored potential — the resources and internal capacity available to you. High mass without velocity means resources sitting idle.
Velocity (v) — Performance
Systems
The Processes — purposeful action
Wellbeing
The Outputs — quality of life as lived
Velocity is squared because performance compounds — small improvements in how you engage with life create outsized gains in your HW Number.
16 Elements of Human Wealth™
Each domain contains four elements. Together they form the complete picture of what it means to be truly wealthy. Tap any element to learn more.
The Engine
The Inputs
The Processes
The Outputs
The Engine
The Inputs
The Processes
The Outputs
Life Transitions
Eight major life events create systemic shocks — depleting some elements while activating others.
Becoming a CaregiverBecoming a ParentBecoming an Empty NesterCareer ChangeDeath of a Loved OneDivorceMarriage or PartnershipRetirement
Composite Metrics
Beyond the HW Number, the ontology produces a suite of composite metrics — each measuring a distinct facet of systemic health.
System Efficiency Ratio
SERMeasures how effectively you convert your resources and conditions into lived experience and functioning.
Adaptability Quotient
AQA composite measure of whole-life structural and psychological agility — your capacity to pivot when life changes.
Bandwidth Tax
BW-TaxMeasures systemic cognitive and logistical friction — the invisible cost of life complexity on your mental resources.
Personal Cost of Thriving Index
P-COTIHow much of your working life is consumed by the cost of maintaining your lifestyle — expressed in weeks of labor.
Social Network Index
SNIQuantifies your 'Relational Moat' — the strength and breadth of both deep ties and wide networks.
Vitality Yield Ratio
VYRThe ratio of biological inputs (sleep, exercise) to metabolic taxes (stress, caregiving) — are you running a generative surplus or a deficit?
Third Act Index
TAIYour readiness for post-career life — measuring both the financial security floor and the eudaimonic (purpose) ceiling.
Shadow Liability Index
SLIQuantifies hidden care liabilities — unfunded obligations, caregiver strain, and isolation-amplified risk.
Crowded Nest Index
CNIMeasures the financial and identity friction created by adult dependents still within your household system.
Relational Friction Coefficient
CfMeasures alignment between partners or family members within a shared financial entity — high friction indicates the system is pulling in different directions.
Diagnostic Instruments
Three purpose-built tools turn the ontology into actionable data.
Wellbeing Composition
A 16-point radar chart plotting your subjective standing across all 16 Elements, identifying systemic imbalances at a glance.
Time Capital Ledger
Maps your 168-hour week across a 52-week annual cycle — revealing how your most finite resource is actually allocated.
Financial Capital Ledger
Captures income sources and distributes total income across allocation categories — surfacing where every dollar flows.
Community Capital Ledger
A relational inventory mapping the humans and entities in your life — revealing the depth, diversity, and gaps in your social capital.
Ready to measure what matters?
The Human Wealth™ framework moves beyond net worth to capture the full picture.