Liabilities and Assets Checklist for a Moral Inventory 2026

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  1. Click ‘Get Form’ to open the Liabilities and Assets Checklist in our editor.
  2. Begin by writing the name of a person, relationship, event, or situation that concerns you at the top of the form. This could be something recent or from your past.
  3. For each concern listed, check the box between LIABILITIES and ASSETS based on your current feelings and behaviors. Remember to keep it simple; don’t overanalyze—spend about 15 minutes per sheet.
  4. On the back of the checklist, jot down any additional thoughts or resentments that arise as you reflect on your inventory. These notes can be useful for your grudge list later.
  5. If working with a sponsor or advisor, use a new page to summarize your defects and assets for further steps in your moral inventory process.

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You should write down your reflections and give yourself adequate time and space for contemplation. List your resentments, their causes, the ways they impact your life, and what role you may have played. List your fears, their potential causes, and the ways they affect your life.
It involves taking a good hard look at ones actions, attitudes, and experiences, with a focus on identifying patterns that may contribute to addictive behaviors or hinder progress in recovery. Taking a personal inventory is a key component of the recovery process for people who are in a 12-Step program.
Moral inventory is essentially an exercise where you take an honest look at yourself to identify areas of improvement or wrongdoing that need to be addressed. Its important to remember that a moral inventory isnt just about identifying negative aspects of yourself. Its also about recognizing positive elements.
Ive narrowed the characteristics of a persons character down to ten words. They are integrity, resilience, caring, collaboration, poise, appreciation, curiosity, perspective, spirituality, and humor.
The assets and liabilities checklist was used by the very early A.A.s to take people through the Steps before the Big Book was written. The assets were the Four Absolutes: Honesty, Purity, Unselfishness and Love and the liabilities were Dishonesty, Resentment, Selfishness, and Fear.

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The Fourth Step Assets and Liabilities Checklist described on pages 64-69 of the Big Book, and referred to in Steps Seven, Ten and Eleven, consists of the four Liabilities of Resentment, Fear, Selfishness, and Dishonesty. The corresponding Assets are Forgiveness, Faith, Unselfishness, and Honesty.
What Does a Moral Inventory Actually Mean? At its core, a moral inventory is about taking a serious, honest look at yourself. This can include your behaviors, your attitudes, your past actions, and how those actions may have hurt others or yourself. Its not about shame or self-judgment, its about clarity.

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