> Divorce, scandal, drug addiction and various other personal issues can all be financially ruinous. This is well-said. James Hughes advocates families account

> Divorce, scandal, drug addiction and various other personal issues can all be financially ruinous. This is well-said. James Hughes advocates families account their balance sheets on human, intellectual, financial, and social capital. For very-long-term (50-100+ years and >3 generations), the human, social, and intellectual components are arguably more important than the financial one, and it is essential to mitigate liabilities like divorce etc. http://www.jamesehughes.com/articles/FamilyBalanceSheet.pdf http://www.jamesehughes.com/articles/FamilyBalanceSheet.pdf