Why I’m Engineering My FIRE with Python — A Manifesto

The Question Nobody Asks Every corporation has a CFO. Every bank has an ALM (Asset-Liability Management) desk. They stress-test their balance sheets quarterly. They model worst-case scenarios. They maintain credit facilities they may never use. But individuals? We track our assets — maybe in a spreadsheet if we’re diligent — and call it financial planning. That’s half the picture. It’s like monitoring CPU usage but ignoring memory leaks. Where is the liability side? Rent is a liability. Education costs are liabilities. Your monthly living expenses are liabilities. They’re just not written on a balance sheet, so you pretend they don’t exist. The moment you start modeling both sides — assets AND liabilities — something shifts. You stop asking “how much do I have?” and start asking “how much can the world fall apart before my life breaks?” That’s the question this series engineers an answer to. Debt Is a Tool, Not an Enemy Here’s something that puzzles me: everyone accepts that businesses