# Career capital allocation worksheet

Use one copy per decision. This is a planning worksheet, not investment, tax, accounting, or legal advice.

## Decision

- **Decision date:**
- **Decision owner:**
- **Goal served:**
- **Amount available now:**
- **Funding classification:** unrestricted / restricted / borrowed / contingent
- **Evidence:** bank receipt / executed agreement / award letter / estimate
- **People already owed:**
- **Required reserve:**
- **Maximum safely allocable now:**

## Compare the paths

| Factor | Buy asset | Rent/borrow | Maker/public-access space | Youth/community program |
| --- | ---: | ---: | ---: | ---: |
| Up-front cash | | | | |
| Twelve-month cash cost | | | | |
| Three-year lifecycle cost | | | | |
| Expected use hours | | | | |
| Cost per productive hour | | | | |
| Maintenance/admin hours | | | | |
| Accessibility fit | | | | |
| Scheduling/control | | | | |
| Skills/network value | | | | |
| Youth/community benefit | | | | |
| Restrictions or safeguarding | | | | |
| Exit/resale options | | | | |

## Scenario test

| Question | Survival | Working | Expansion |
| --- | --- | --- | --- |
| Funding counted | Cash on hand + executed near-term payments | Survival + signed conservative receivables | Working + probability-weighted contingent sources |
| Can this proceed? | | | |
| What is delayed if revenue is late? | | | |
| What remains reversible? | | | |

## Approval gates

- [ ] Contributor payments and reimbursements due before purchase are funded.
- [ ] Tax/dispute reserve was set with appropriate professional input.
- [ ] Restricted funds permit this use.
- [ ] Full lifecycle—not merely purchase—cost is recorded.
- [ ] Rental, maker-space, and public-access alternatives were priced.
- [ ] Accessibility and transportation costs are included.
- [ ] Youth participation has safeguarding, consent, privacy, insurance, and ownership terms.
- [ ] No contingent Netflix, licensing, royalty, grant, or sponsorship income is treated as cash.
- [ ] The decision has a review date and exit condition.

## Decision record

- **Chosen path:**
- **Why:**
- **Evidence class:** verified / creator statement / documented third-party claim / estimate / unresolved
- **Conditions:**
- **Review date:**
- **Stop-loss or exit condition:**
- **Public-safe summary:**
- **Private evidence locator:**