What is the Personal Capital to Personal Income ratio all about?

"The good life, as I conceive it, is a happy life. I do not mean that if you are good you will be happy; I mean that if you are happy you will be good." - Bertrand Russell

One day many people will decide that they no longer want to exchange their time for money. This is often referred to as retirement when they are hoping to live a comfortable existence after working for most of their life.
This ratio is a measure of how much WORK (Personal Income) you have tied up in your lifestyle capital (Personal Capital)
As an example if you had a $400,000 family home and an income of $80,000 there would be 5 times your income in your personal capital or a ratio of 500%.
While working it is important to keep some kind of lid on the accumulation of personal capital so that you can put your hard earned income into income producing capital called investment capital.

"Accept challenges, so that you may feel the exhilaration of victory." - George Patton

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