1. A method of summarizing household resources and claims through a future lifetime as of a particular date, thereby enabling a household to balance the claims against the resources, the method including: accessing a collection of data structures in computer readable memory, including a plurality of financial asset objects adapted to represent positions in stocks and bonds, including risk, return, allowable transaction types, cash flows, and tax treatment, at least one home asset object being adapted to represent a home ownership, including risk, return, a preference for disposition of the home, one or more cash flows, and tax treatment, at least one human capital object adapted to represent an employment prospect of a household member, including at least future job-related earnings, partial retirement and full retirement, at least one miscellaneous income object adapted to represent entitlements to a social security benefit or a pension benefit, including at least income from the entitlements, indexing of the entitlements over time and survivor benefits payable from the entitlements, a plurality of household expense objects adapted to represent various household expenses, one of the household expense objects including at least expense amounts and expense timing, a desirability rating for a particular household expense and alternative levels of funding for the particular household expense; and evaluating using a processor, for a particular date, actuarial present value balances of at least the employment prospect, the entitlements, the household expenses, and tax consequences of the employment prospect and tax-deferred gains in the home ownership and the positions in stocks and bonds; and summarizing for the particular date values of certain resources and claims, including the positions in stocks and bonds, the home ownership and deferred taxes on gains in the positions and the home ownership, and the balances of other resources and of the claims, organized into groups of the resources and the claims, wherein a base level of living expenses, the tax consequences and the mortgage payments are grouped, thereby representing obligations, and other of the household expenses are organized by the desirability ratings of the household expenses, thereby representing at least primary and secondary goals among the household expenses, the various household expenses are subject to different discount rates when calculating the actuarial present value balances, with lower discount rates applied to the obligations than to the secondary goals, and and a residual (or deficit) of the resources exceeding the claims is reported, thereby reflecting wealth building.