Point of view is everything if you're going to get the money-story straight.
Corporations shouldn't be confused with shareholders. That's why people don't get what Equity is, for example. They think Equity is the ownership of the company from the shareholders' point of view. It's not. It's the company's duty to its owner.
Similarly, when accounting for your personal finances, you don't tell your own personal financial story. You tell the story of an imputed "Financial Persona You". And that invented financial-you is separate from the real, human-you.
At which point psychiatrist friend Kim asserted that accountant's "Separate Entity Principle" is like psychology's Theory of Mind. That theory describes humans' ability to attribute mental states to oneself and to others, and to understand that others have beliefs and desires that are different from our own.
Thank heavens we multifaceted children of Creation are much more than our mere financial personas. Or as they say, "Money ain't everything."
To a multifarious you,