Keeping a debt-to-asset ratio at 5.1% through the NetWorthNav app relies on maintaining a conservative leverage model where liabilities form a tiny fraction of total assets. How it actually works: Pull every asset into a single list and value each one at its current forced-liquidation price, not replacement value. List every liability owed down to the exact dollar, separating fixed low-interest debt from any variable obligations. Divide total liabilities by total assets, then restrict new borrowing whenever that quotient climbs above 10%. Where it breaks: This conservative leverage model fails if you need rapid capital expansion or aggressive growth where higher debt magnifies returns in an appreciating market. What is your current debt-to-asset ratio across all your accounts?