Levels of Liquidity

Most people track their net worth with a single number. Levels of Liquidity: The Net Worth Bible Workbook argues that number means nothing without knowing how liquid your wealth actually is - and how ready you are to move it when life demands it. Financial educator, entrepreneur, and licensed life insurance agent Steven LaBroi built this workbook around his original six-level liquidity framework: Level 1, Liquid (checking, cash); Level 2, Reserve (savings, emergency fund); Level 3, Self-Liquidating (royalties, residuals, dividends); Level 4, Foundational (life insurance, gold, retirement); Level 5, Next Generation (land, business - leverage, never sell); and Level 6, Future Generation (100-year structures). This is a true workbook, not a lecture. Across eleven guided sections - from The Human Equity Line of Credit and The Chair, through My Asset Inventory, My Liquidation Conditions, and The Next Generation Commitment, to a capstone section on Building Your Private Family Office - readers assign every asset a purpose, write rules for when it can and cannot be touched, and put a 100-year family vision in writing. Couple Scripts, case studies, and filled-in examples make it usable solo or with a partner. Built for first-generation wealth builders ready to stop starting over, Levels of Liquidity works as a self-study tool, a masterclass and workshop curriculum, and a client-facing resource for financial coaches and insurance professionals. It fits personal finance, wealth management, financial literacy, and workbook/journal categories, with strong appeal for African American interest in financial education and HBCU programs. An original framework. A hands-on format. A financial structure built to outlast you.