Impact

Cash Flow Diagnosis

How income is balanced across competing financial priorities

What Oz evaluates

Percentage of income allocated to:
- Essential needs
- Discretionary spending
- Saving
- Debt repayment
Captures hidden and frequently overlooked expenses to avoid "surprise" expenses
Tradeoffs between present consumption and future stability + resilience

Output: Cash Flow Balance

Diagnosis of where income reallocation would most improve resilience

Balance Sheet Diagnosis

Integrated with results of cashflow analysis to quantity level of financial security

What Oz evaluates

Liquid savings and emergency reserves
Debt composition (high-interest vs structured debt)
How savings and debt interact with monthly cash flow

Some configurations are structurally unsound, regardless of goals.

Examples Oz flags:

Holding significant savings while carrying high-interest credit card debt
Lack of emergency fund alongside high discretionary spend
Significant funds sitting in a checking account without a high-yield savings account

Output: Financial Security Score

Contextual adjustment to cash flow health assessment; informs optimal allocation

Structural Risks

Vulnerabilities that do not appear in monthly spending but affect long-term resilience. Oz scans for key risks to prevent mistakes before they occur and missed opportunities when small changes can compound over time.

Example risks Oz flags:

Cashflow: High Needs as percentage of income
Balance sheet:
- High unsecured debt (e.g. credit card) or debt relative to asset value (e.g. subprime car loan)
- Limited savings (emergency fund, age-appropriate retirement savings)
Insurance: Missing for health, vehicle, residence, or other key asset

Output: Risk scan

Measuring holistic financial health and resilience

Cash Flow Diagnosis

Balance Sheet Diagnosis

Structural Risks

Persistence