Strong but illiquid
Strong Net Worth, Poor Liquidity
Mortgage on a low rate, large pension, but only ~£3k of liquid cash. A boiler failure or job loss would force selling investments at the wrong time.
Net worth is healthy but the cash buffer is dangerously thin. Pause incremental investing and divert surplus into cash for 6–12 months until the buffer rebuilds.
// Snapshot
Net worth
$828,200
Free cash flow
$1,577/mo
22.7% of net income
Liquidity
0.6 mo
cash ÷ total expenses
Net income
$6,950/mo
Example data — calculated using the same logic as your inputs.