What do Funded, Building and Thin mean on a rung?

They are the ladder’s coverage words: one word for how much of a rung’s own target your money covers. Every targeted rung — Survival, Sustenance and Sufficiency — carries one on its card and in the readout under the bar, always as a word with a meter or a percentage beside it, so the colour is never the only signal.

Why Thin is not a warning about you

Nothing here yet means exactly that and only that. A rung that is 13% or 39% funded reads Thin, because the meter and the percentage already say how far along you are; the word only separates states that mean different things. Sufficiency is the rung most people spend years on, and the line at the top of the page says as much: between Sustenance and Sufficiency is where most households sit for years.

When the word is worse than the percentage

A rung can be fully covered by your total wealth and still read Building or Thin. That happens when too little of the money is in something the rung can use — your runway held in shares, for instance. The card then says The money is there. Only … of it is in something this rung can use. This second reading can make the word worse, never better, and never as far as Nothing here yet. See instrument fit.

Where you see the words

• On each rung card, as a chip beside the rung’s name, with a meter underneath.
• In the readout under the bar, as the word and the percentage — for example Funded · 100% — plus the amount still to go while a rung is short.
• When you hover over a segment of the bar.