Wealth — your family-office dashboard, not another budgeting app

Wealth is the Personal-context module that gives you a real, current net-worth picture across everything you own — cash, investments, crypto, real estate, vehicles, private businesses you own, collectibles, receivables, and liabilities. It's a family-office view, not a "categorize your spending" budgeting tool.

Where it lives:

• Activate it from Account → Modules → Personal modules → Wealth.
• Once on, the page opens at /me/wealth with a bento layout: a hero net-worth tile, an allocation breakdown, top assets, a recent valuation feed, and an action row (link a bank, add an asset, refresh).

What lands on the page:

The number isn't a guess. Each asset is valued by a real upstream source:

• **Cash & Bank** — Plaid balances (refresh every few hours, on-demand button for a force refresh)
• **Investments** — Plaid Investments holdings (positions and per-share market value)
• **Crypto** — wallet balances priced via CoinGecko
• **Real Estate** — Rentcast comps on the address (when you provide an address; otherwise your manual override)
• **Vehicles** — KBB-style valuation by year/make/model/trim/mileage; manual override always wins
• **Private Businesses You Own** — pulls from the actual Turtini Accounting books of the org if it's a Turtini org, else manual
• **Collectibles, Receivables, Other** — manual valuations you maintain
• **Liabilities** — Plaid balances on credit + loan accounts, or manual entries for things Plaid can't see (private loans, mortgages outside the Plaid network)

Live market tick:

Investment and crypto assets re-price every 5 minutes during US market hours and roughly hourly outside. The page banner shows when the snapshot was last updated; click "Refresh" to force a full walk including Rentcast / Plaid Investments / OrgBooks.

Tabs:

• **Portfolio** — your full asset list, valuations, and the allocation rollup.
• **Household** — if you're a member of any household Shared Spaces, this tab shows the assets attributed to that household. Household assets are visible AND editable to every member of the space, so two spouses can both update the family's books without duplicate accounts.

Where the data lives:

• `assets/{assetId}` — one doc per asset, with an `owner` field that says whether it's owned by you (`{ kind: 'user', id }`), a household (`{ kind: 'space', id }`), or an org (`{ kind: 'org', id }`).
• `assetValuations/{valuationId}` — every valuation snapshot, append-only. The portfolio reads the latest per asset; the chart on each asset detail page reads the history.
• Bank tokens, Plaid Investments tokens, and provider keys live in their own per-user / per-org buckets — nothing about Wealth is exposed cross-context.

What Wealth deliberately is NOT:

• Not a budgeting app. There's no "you spent $42 at Starbucks this week" view — Accounting handles ledger-level transactions; Wealth handles balance-sheet positions.
• Not a trading platform. We read holdings, we don't move money. To buy or sell, go to your brokerage.

Personal vs. org:

The Wealth UI surfaces personal + household assets in your Personal context. Org net worth (book value of the business you run) shows up in your Accounting module's Balance Sheet report — Wealth specifically does not mix the two. If you own a private business through Turtini, its book value flows into your personal Wealth as a "Private Business You Own" asset valued from the org's own books.