Handoffs

Mark every point where the scarce thing changes hands, moving from one person, account, or stage to the next. Ownership transfers are where things stall or vanish because nobody on either side is watching the seam. Count how much passes through each one.

Mark every point where the scarce thing changes hands, moving from one person, account, or stage to the next. Ownership transfers are where things stall or vanish because nobody on either side is watching the seam. Count how much passes through each one.

Example

In the household money trace, one handoff is your partner Venmoing you their half of rent, and another is you moving cash from checking to the joint account. Last month $1,400 crossed that second handoff late, triggering two overdraft fees.