I'm getting very fond of Mr Rao. I had some (mild) economic good fortune recently and to my great surprise, after a protracted period of being broke it made me uncomfortable because it was simply too big to handle. My entire attitude about how to spend it and use it has changed - as he says, largely because I've never had to make these sort of decisions before.

So this thinking tool has come along at just the right time for me. Do HNers have any other suggestions for ways to think about using capital?