1. A method for determining a state of personal finances, the method comprising: electronically establishing on a processor a personal finance code, the personal finance code including amounts associated with a set of sources of income and amounts associated with a set of uses of funds, the personal finance code including amounts associated with a set of asset categories, the set of asset categories including income producing assets, income consuming assets, and non-producing income producing assets; electronically determining on a processor a set of guidelines associated with the personal finance code, the set of guidelines associated with at least one time period; electronically deriving on a processor a comparison between the set of guidelines and a set of fiscal behaviors, the set of fiscal behaviors associated with the at least one time period; and electronically projecting on a processor the comparison over at least one subsequent time period to determine a projected effect, the projected effect including a relative valuation of assets in at least one of the set of asset categories.