[Data Idea] “Life Common Currency Balance Sheet” to Feel Tractable on Uncontrollable Life ?

+ Where I am?

The Four Currencies of Life

In our journey through life, we often battle with balance and control or not.Sometimes when you feel you got the hand on it then something will occur and throw you back from the start. And this is the reason why I wonder if life couldn’t be controlled then why not just track it instead at least we could know the picture of it.

The term The Four Currencies of Life comes from a post called "The Four Currencies of Life: A Roadmap to Personal Growth and Success[1]" and it could be represented by “TEAM” which stands for Time,Energy,Attention, and Money. In here I will called it Life Common Currency (LCC) because I figure every people may have there opinions how to defined there common currency of life.

Core Features of Life Common Currencies

1.Unified Value It must be able to reduce complex, qualitatively different experiences into a single quantitative scale.

2.Centralized Authority Unlike traditional money, which is regulated by a Central Bank, the “Centralized Authority” in Life Common Currency is the Individual’s Conscious Self.

3.Market Integration Market integration refers to how these internal values interact with the external world and its constrains. In here I would restrain it to “Task Integration” due to it is the smallest unit for what I record every day.

My Life Common Currencies

LCC	Unified Value	Centralized Authority	Task Integration
Time	sec,min,hr,day…	My own Time to Spend	Every task all spent time
Energy	Calories,Emotional Scale	My own Body to Energize	Every task all use energy and have emotion
Attention	people count	My own Attention to Focus	Every task all relate to people
Money	TWD,USD…	My Money to Spend	Every task all may cost money

+ Who I want to be?

LCC Balance Sheets

Now I already have the LCC as the tag for every task. How should I know where I want to go in order to see if my decision and what have I done do lead the path to where I lean to be. Base on a book named “提升幸福感、成為理想自我的人生會計學：盤點現狀，打造幸福未來!”[2] it used accounting sheets to measure aspects of life. So I wonder if I could use Balance sheet[3] as my uniform picture of my LCCs. Why pick balance sheet not the others is because it is the sheet I can see the past now and future and to set the friction lower to only maintain one sheet for each LCC.

Balance Sheet Basic Components

The basic components of the balance sheet[3] is Assets, Liabilities, Share holder’s Equities. And there is another two types to separate each items by time such as Current and None Current. If you are interesting to know more about it there are massive information about this on internet to search so I will just brief in here. The shareholder’s equities in here is my life so I will defined it to be me only and it is also means the outcome I will receive so I set my goal by each equity of LCC and there are some theories I used to quantify it.

Time Balance Sheet

Time is the fairest and unfairest currency of the LCC. Its total amount is same from every people but it actually being dived differently between different people and assigned different usages to make it may seem unfairest among people. According to a book called “Ikigai: The Japanese Secret to a Long and Happy Life”[4] to discover our ikigai there is four area to union to ikigai such as What you love?, What you are good at?, What you can be paid for?, What the world needs?. The I want to introduce another book called “An Output Encyclopedia That Will Alter Your Learning Results”[5] it describe that things can be separate into output and input so I want to be learn and use what I have learn to examine the life. Conclude the ikigai and output-input I figure my asset will be my outputs and liability will be my outputs from ikigai as below to become a “productivity me”.

Time (hr)	Asset	Liability	Equity
Current	Paid Time = Time*Complete Rate	Good At Time = Time*Complete Rate	Output - Input
None-Current	World Need Time = Time*Complete Rate	Love Time = Time*Complete Rate	-

Energy Balance Sheet

Energy Level is what I will need to be controlled. Otherwise I will always overloaded and system shut down and can’t do anything anymore. Not only physically but also mentally I should find a balance.Which should combined emotion and pressure taking as well to find the best portion to live the life.According to a book called “The Fun Habit: How the Pursuit of Joy and Wonder Can Change Your Life”[6] by a positive Phsycologist indicated a PLAY Model. It also introduce the Living and Leider idea. In this case I hope to living the life more than leider it.

Energy (%)	Asset	Liability	Equity
Current	Living = Satisfy Value Low +Emotion Scale High	Leider = Satisfy Value High +Emotion Scale Low	Fun - Not Fun
None-Current	Pleasing = Satisfy Value High +Emotion Scale High	Agonize = Satisfy Value Low +Emotion Scale Low	-

Attention Balance Sheet

The Relationship between me and others is always make me feel frustrated. I have really hard time to understand why people get mad and latter I will judge myself it become a bad emotion loop. So I tried many different method until I found “OK Model” from “I’m OK—You’re OK”[7] ,I wonder if I could achieve more adult and grow wise relationship. And become a Self Belief me.

Attention (no.)	Asset	Liability	Equity
Current	GetOn = Emo High +Complement Transaction	GoNoWhere = Emo Low +Cross Transaction	Self Belief - Self Doubt
None-Current	GetRid = Emo High+Cross Transaction && Emo High + Ulterior	GetAway= Emo Low +Complement Transaction	-

Money Balance Sheet

The last but not the least the money. According to “I will teach you to be rich”[8] the conscious spending plan he budget spending money into fix, guilty free spending and saving goal spending. For the Income based on “FIRE movement”[9] theory if your passive income meet each of spending then it will set you free little by little. I wonder that I want to be a Barista FIRE who want to experience the world by still doing what I like.

Money (TWD)	Asset	Liability	Equity
Current	Passive Income Saving	Fix Spend Guilty Free Spend	Automation Asset - Experience Liability
None-Current	Active Income Invest	Saving Goal Spend Debt	-

According to my Equity I want to become a “Loving Life Self Belief Barista FIRE” .

+ Why I always failed ?

There are 3 conditions need to be maintained to make the balance:

• Position: To set the path for not left too far away from the destination and remain Long-Term Stability.

$$ \text{Debt Rate} = \frac{\text{Total Liabilities}}{\text{Total Assets}} $$

• Leverage: To decrease the risk of lack of energy and time from accumulation common currency. In order to maximize the Operation Performance.

$$ \text{Debt to Equity Ratio} =\frac{\text{Total Liabilities}}{\text{Shareholder Equities}} $$

• Resilience: To ensure have enough flexibility for emergency and maintain Short-Term Health.

$$ \text{Current Ratio}=\frac{\text{Current Assets}}{\text{Current Liabilities}} $$

Most of the time I just take care one condition individually. I think now I need to maintain these 3 conditions all togather to get much tractable life.

+ When to make change ?

In “The Lean Startup”[10] the idea, product, data model may be a rotate cycle to cumulate the auto generate system for each common currency to generate.

---
title: MVP Cycle
---
flowchart LR
Idea((Idea))-->|Build|Product((Product))-->|Measure|Data((Data))-->|Learn|Idea

So whenever I need to make new idea or behaviour about any of my LCC is time to make a change or not.

Now I want to combine when and the measurement to supply me whether I should do.

---
title: MVT Cycle
---
flowchart LR
Idea((Position
Debt Rate))-->|Build|Product((Leverage
D/E))-->|Measure|Data((Resilience
Current Ratio))-->|Learn|Idea
style Idea fill:#f9f,stroke:#333
style Product fill:#f9f,stroke:#333
style Data fill:#f9f,stroke:#333

Learn Position by Debt Rate

Liabilities divided Assets can find out if you have ability to pay back the debt for long term.

• Safe Rate: Debt Rate < 30% it means you have safe debt to live.
• Bear Rate: Debt Rate = 50% it means you may stuck half of time in your working for debt.
• Stress Rate: Debt Rate > 60% it means you most stuck in annual payment.

Build Leverage by Debt to Equity Ratio

Liabilities divided equities can show per equity cost.

• Earn Rate: D/E < 50% it means you are actually spend for earning.
• Lost Rate: D/E > 100% it means you are using borrowed currency to credit.

Measure Resilience by Current Ratio

Current Assets divide current liabilities can show your liquid currency for emergency or accident.

• Liquid Rate: Current Ratio > 200% it means you can cash out shortly for half of my half Asset.
• Tight Rate: Current Ratio < 150% it means you have almost no emergency to happen.

+ What are Actions to Gain ?

1. Who do you want to be described by Equity ?
2. What metric you failed to tract ?
3. What’s the actual number for your Life Common Currency Balance Metrics are ?

+ Reference

1. The Four Currencies of Life: A Roadmap to Personal Growth and Success, Mubar Dauda, 2023/07/24
2. 提升幸福感、成為理想自我的人生會計學：盤點現狀，打造幸福未來！, 許德恩, 2026/02/05, ISBN-9789570879582
3. Balance Sheet, Luca Pacioli
4. Ikigai: The Japanese Secret to a Long and Happy Life, 2017/08/29, ISBN-978-0143130727
5. An Output Encyclopedia That Will Alter Your Learning Results, 樺澤紫苑 ,2020/03/31,ISBN-9789577412607
6. The Fun Habit: How the Pursuit of Joy and Wonder Can Change Your Life, Mike Rucker, 2023, ISBN-1982159057
7. I’m OK—You’re OK, Harris Thomas A., 2004/07/06, ISBN-9780060724276
8. I will teach you to be rich, Ramit Sethi, 2026/05/31, ISBN-9781523505746
9. FIRE movement, 2010
10. The Lean Startup, Eric Ries, 2011, ISBN-9781032118345