Fannie Mae allows for asset dissipation, or the ability of borrowers to finance a home based on the liquid assets they possess such as stocks, retirement accounts, or money in the bank. Asset dissipation is important for borrowers who do not have conventional income streams such as retirees or workers in the gig economy. Fannie Mae allows asset dissipation because it allows high net worth individuals to convert their portfolios into cash for mortgage payments, without needing to have a steady income stream.