diff --git a/live/live_exec.py b/live/live_exec.py
index 9d5dc44..8cd25ce 100644
--- a/live/live_exec.py
+++ b/live/live_exec.py
@@ -268,15 +268,28 @@ class Exec:
             # 正在过期，没有从容排查的余地
             if self.api.key and self.api.secret and self.api.passphrase:
                 try:
-                    acc = await self.api.account()
-                    av = float((acc or {}).get("available") or 0)
-                    print(f"  ✓ 密钥与 IP 白名单通（可用 {av:.2f} "
-                          f"USDT，名义 {NOTIONAL:.0f} 需保证金约 "
-                          f"{NOTIONAL / LEVERAGE:.0f}）", flush=True)
+                    acc = await self.api.account() or {}
+                    print("  ✓ 密钥与 IP 白名单通", flush=True)
+                    # 打全几个余额字段，不只看 available：我们用逐仓，真正
+                    # 决定能不能开的是 isolatedMaxAvailable。只看一个字段，
+                    # 取错了就会把"有钱"误报成"没钱"，或者反过来
+                    fields = ("accountEquity", "usdtEquity", "available",
+                              "isolatedMaxAvailable", "crossedMaxAvailable",
+                              "maxTransferOut", "locked", "unrealizedPL")
+                    shown = {k: acc.get(k) for k in fields if k in acc}
+                    print(f"    余额 {shown}", flush=True)
+                    # 逐仓下取 isolatedMaxAvailable，缺了才退回 available
+                    av = float(acc.get("isolatedMaxAvailable")
+                               or acc.get("available") or 0)
                     need = NOTIONAL / LEVERAGE * MAX_OPEN
+                    print(f"    可开保证金 {av:.2f} USDT · {MAX_OPEN} 笔并发"
+                          f"需约 {need:.0f}（名义 {NOTIONAL:.0f} / "
+                          f"{LEVERAGE}x）", flush=True)
                     if av < need:
-                        print(f"  ⚠ 可用不足：{MAX_OPEN} 笔并发共需约 "
-                              f"{need:.0f} USDT 保证金", flush=True)
+                        print(f"  ⚠ 不够。合约账户里要有 USDT 才能下单——"
+                              f"资金常在现货账户，需要先划转到 USDT 本位合约。"
+                              f"低于 {NOTIONAL / LEVERAGE:.0f} 连一笔都开不了",
+                              flush=True)
                 except Exception as e:  # noqa: BLE001
                     # 退出前要关会话。SystemExit 会绕过 run() 里的收尾，
                     # 漏了就在日志尾部留一串 "Unclosed client session"，