[Verse 1] Sarah's got her paycheck, forty years ahead That's her human capital, earning daily bread But she's also saved up stocks and bonds galore Financial capital knocking at her door Two types of wealth dancing in her hands Total wealth equation helps her understand [Chorus] Human plus Financial equals Total Wealth H plus F makes planning stealth Younger folks have human high, financial low Older ones see salaries go, but assets grow Remember the foundation, calculate the sum Total Wealth decides where planning comes from [Verse 2] Michael starts his career with knowledge bright Human capital soaring to new height Little in the bank but skills to trade Decades of earnings haven't yet been made Risk tolerance differs when you're twenty-three Than when you're sixty with a pension guarantee [Chorus] Human plus Financial equals Total Wealth H plus F makes planning stealth Younger folks have human high, financial low Older ones see salaries go, but assets grow Remember the foundation, calculate the sum Total Wealth decides where planning comes from [Bridge] Disability threatens human side Insurance keeps your income stride Market crashes hit financial part Diversification plays its art Both components need protection care Total planning means you're prepared [Verse 3] Retirement flips the wealth equation round Human capital slows, investments compound Estate planning shifts when ratios change Portfolio allocation needs rearrange Wealth management sees the bigger scene Not just what's in your account screen [Final Chorus] Human plus Financial equals Total Wealth H plus F makes planning stealth Life stages alter how the portions blend But total wealth perspective never ends Build your foundation, know your sum Smart wealth decisions here they come
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