diff --git a/app/controllers/pages_controller.rb b/app/controllers/pages_controller.rb
index eaeb0a8b6..210dff919 100644
--- a/app/controllers/pages_controller.rb
+++ b/app/controllers/pages_controller.rb
@@ -16,9 +16,19 @@ class PagesController < ApplicationController
     @cashflow_sankey_data = build_cashflow_sankey_data(income_totals, expense_totals, family_currency)
     @outflows_data = build_outflows_donut_data(expense_totals)
 
+    @dashboard_sections = build_dashboard_sections
+
     @breadcrumbs = [ [ "Home", root_path ], [ "Dashboard", nil ] ]
   end
 
+  def update_preferences
+    if Current.user.update_dashboard_preferences(preferences_params)
+      head :ok
+    else
+      head :unprocessable_entity
+    end
+  end
+
   def changelog
     @release_notes = github_provider.fetch_latest_release_notes
 
@@ -45,6 +55,64 @@ class PagesController < ApplicationController
   end
 
   private
+    def preferences_params
+      prefs = params.require(:preferences)
+      {}.tap do |permitted|
+        permitted["collapsed_sections"] = prefs[:collapsed_sections].to_unsafe_h if prefs[:collapsed_sections]
+        permitted["section_order"] = prefs[:section_order] if prefs[:section_order]
+      end
+    end
+
+    def build_dashboard_sections
+      all_sections = [
+        {
+          key: "cashflow_sankey",
+          title: "pages.dashboard.cashflow_sankey.title",
+          partial: "pages/dashboard/cashflow_sankey",
+          locals: { sankey_data: @cashflow_sankey_data, period: @period },
+          visible: Current.family.accounts.any?,
+          collapsible: true
+        },
+        {
+          key: "outflows_donut",
+          title: "pages.dashboard.outflows_donut.title",
+          partial: "pages/dashboard/outflows_donut",
+          locals: { outflows_data: @outflows_data, period: @period },
+          visible: Current.family.accounts.any? && @outflows_data[:categories].present?,
+          collapsible: true
+        },
+        {
+          key: "net_worth_chart",
+          title: "pages.dashboard.net_worth_chart.title",
+          partial: "pages/dashboard/net_worth_chart",
+          locals: { balance_sheet: @balance_sheet, period: @period },
+          visible: Current.family.accounts.any?,
+          collapsible: true
+        },
+        {
+          key: "balance_sheet",
+          title: "pages.dashboard.balance_sheet.title",
+          partial: "pages/dashboard/balance_sheet",
+          locals: { balance_sheet: @balance_sheet },
+          visible: Current.family.accounts.any?,
+          collapsible: true
+        }
+      ]
+
+      # Order sections according to user preference
+      section_order = Current.user.dashboard_section_order
+      ordered_sections = section_order.map do |key|
+        all_sections.find { |s| s[:key] == key }
+      end.compact
+
+      # Add any new sections that aren't in the saved order (future-proofing)
+      all_sections.each do |section|
+        ordered_sections << section unless ordered_sections.include?(section)
+      end
+
+      ordered_sections
+    end
+
     def github_provider
       Provider::Registry.get_provider(:github)
     end
diff --git a/app/controllers/reports_controller.rb b/app/controllers/reports_controller.rb
index 2365dd8eb..4addfb06e 100644
--- a/app/controllers/reports_controller.rb
+++ b/app/controllers/reports_controller.rb
@@ -37,9 +37,20 @@ class ReportsController < ApplicationController
     # Transactions breakdown
     @transactions = build_transactions_breakdown
 
+    # Build reports sections for collapsible/reorderable UI
+    @reports_sections = build_reports_sections
+
     @breadcrumbs = [ [ "Home", root_path ], [ "Reports", nil ] ]
   end
 
+  def update_preferences
+    if Current.user.update_reports_preferences(preferences_params)
+      head :ok
+    else
+      head :unprocessable_entity
+    end
+  end
+
   def export_transactions
     @period_type = params[:period_type]&.to_sym || :monthly
     @start_date = parse_date_param(:start_date) || default_start_date
@@ -100,6 +111,52 @@ class ReportsController < ApplicationController
   end
 
   private
+    def preferences_params
+      prefs = params.require(:preferences)
+      {}.tap do |permitted|
+        permitted["reports_collapsed_sections"] = prefs[:reports_collapsed_sections].to_unsafe_h if prefs[:reports_collapsed_sections]
+        permitted["reports_section_order"] = prefs[:reports_section_order] if prefs[:reports_section_order]
+      end
+    end
+
+    def build_reports_sections
+      all_sections = [
+        {
+          key: "trends_insights",
+          title: "reports.trends.title",
+          partial: "reports/trends_insights",
+          locals: { trends_data: @trends_data, spending_patterns: @spending_patterns },
+          visible: Current.family.transactions.any?,
+          collapsible: true
+        },
+        {
+          key: "transactions_breakdown",
+          title: "reports.transactions_breakdown.title",
+          partial: "reports/transactions_breakdown",
+          locals: {
+            transactions: @transactions,
+            period_type: @period_type,
+            start_date: @start_date,
+            end_date: @end_date
+          },
+          visible: Current.family.transactions.any?,
+          collapsible: true
+        }
+      ]
+
+      # Order sections according to user preference
+      section_order = Current.user.reports_section_order
+      ordered_sections = section_order.map do |key|
+        all_sections.find { |s| s[:key] == key }
+      end.compact
+
+      # Add any new sections that aren't in the saved order (future-proofing)
+      all_sections.each do |section|
+        ordered_sections << section unless ordered_sections.include?(section)
+      end
+
+      ordered_sections
+    end
 
     def validate_and_fix_date_range(show_flash: false)
       return unless @start_date > @end_date
diff --git a/app/javascript/controllers/dashboard_section_controller.js b/app/javascript/controllers/dashboard_section_controller.js
new file mode 100644
index 000000000..6c7067ebe
--- /dev/null
+++ b/app/javascript/controllers/dashboard_section_controller.js
@@ -0,0 +1,97 @@
+import { Controller } from "@hotwired/stimulus";
+
+export default class extends Controller {
+  static targets = ["content", "chevron", "container", "button"];
+  static values = {
+    sectionKey: String,
+    collapsed: Boolean,
+  };
+
+  connect() {
+    if (this.collapsedValue) {
+      this.collapse(false);
+    }
+  }
+
+  toggle(event) {
+    event.preventDefault();
+    if (this.collapsedValue) {
+      this.expand();
+    } else {
+      this.collapse();
+    }
+  }
+
+  handleToggleKeydown(event) {
+    // Handle Enter and Space keys for keyboard accessibility
+    if (event.key === "Enter" || event.key === " ") {
+      event.preventDefault();
+      event.stopPropagation(); // Prevent section's keyboard handler from firing
+      this.toggle(event);
+    }
+  }
+
+  collapse(persist = true) {
+    this.contentTarget.classList.add("hidden");
+    this.chevronTarget.classList.add("rotate-180");
+    this.collapsedValue = true;
+    if (this.hasButtonTarget) {
+      this.buttonTarget.setAttribute("aria-expanded", "false");
+    }
+    if (persist) {
+      this.savePreference(true);
+    }
+  }
+
+  expand() {
+    this.contentTarget.classList.remove("hidden");
+    this.chevronTarget.classList.remove("rotate-180");
+    this.collapsedValue = false;
+    if (this.hasButtonTarget) {
+      this.buttonTarget.setAttribute("aria-expanded", "true");
+    }
+    this.savePreference(false);
+  }
+
+  async savePreference(collapsed) {
+    const preferences = {
+      collapsed_sections: {
+        [this.sectionKeyValue]: collapsed,
+      },
+    };
+
+    // Safely obtain CSRF token
+    const csrfToken = document.querySelector('meta[name="csrf-token"]');
+    if (!csrfToken) {
+      console.error(
+        "[Dashboard Section] CSRF token not found. Cannot save preferences.",
+      );
+      return;
+    }
+
+    try {
+      const response = await fetch("/dashboard/preferences", {
+        method: "PATCH",
+        headers: {
+          "Content-Type": "application/json",
+          "X-CSRF-Token": csrfToken.content,
+        },
+        body: JSON.stringify({ preferences }),
+      });
+
+      if (!response.ok) {
+        const errorData = await response.json().catch(() => ({}));
+        console.error(
+          "[Dashboard Section] Failed to save preferences:",
+          response.status,
+          errorData,
+        );
+      }
+    } catch (error) {
+      console.error(
+        "[Dashboard Section] Network error saving preferences:",
+        error,
+      );
+    }
+  }
+}
diff --git a/app/javascript/controllers/dashboard_sortable_controller.js b/app/javascript/controllers/dashboard_sortable_controller.js
new file mode 100644
index 000000000..d44d47c92
--- /dev/null
+++ b/app/javascript/controllers/dashboard_sortable_controller.js
@@ -0,0 +1,267 @@
+import { Controller } from "@hotwired/stimulus";
+
+export default class extends Controller {
+  static targets = ["section"];
+
+  connect() {
+    this.draggedElement = null;
+    this.placeholder = null;
+    this.touchStartY = 0;
+    this.currentTouchY = 0;
+    this.isTouching = false;
+    this.keyboardGrabbedElement = null;
+  }
+
+  // ===== Mouse Drag Events =====
+  dragStart(event) {
+    this.draggedElement = event.currentTarget;
+    this.draggedElement.classList.add("opacity-50");
+    this.draggedElement.setAttribute("aria-grabbed", "true");
+    event.dataTransfer.effectAllowed = "move";
+  }
+
+  dragEnd(event) {
+    event.currentTarget.classList.remove("opacity-50");
+    event.currentTarget.setAttribute("aria-grabbed", "false");
+    this.clearPlaceholders();
+  }
+
+  dragOver(event) {
+    event.preventDefault();
+    event.dataTransfer.dropEffect = "move";
+
+    const afterElement = this.getDragAfterElement(event.clientY);
+    const container = this.element;
+
+    this.clearPlaceholders();
+
+    if (afterElement == null) {
+      this.showPlaceholder(container.lastElementChild, "after");
+    } else {
+      this.showPlaceholder(afterElement, "before");
+    }
+  }
+
+  drop(event) {
+    event.preventDefault();
+    event.stopPropagation();
+
+    const afterElement = this.getDragAfterElement(event.clientY);
+    const container = this.element;
+
+    if (afterElement == null) {
+      container.appendChild(this.draggedElement);
+    } else {
+      container.insertBefore(this.draggedElement, afterElement);
+    }
+
+    this.clearPlaceholders();
+    this.saveOrder();
+  }
+
+  // ===== Touch Events =====
+  touchStart(event) {
+    this.draggedElement = event.currentTarget;
+    this.touchStartY = event.touches[0].clientY;
+    this.isTouching = true;
+    this.draggedElement.classList.add("opacity-50", "scale-105");
+    this.draggedElement.setAttribute("aria-grabbed", "true");
+  }
+
+  touchMove(event) {
+    if (!this.isTouching || !this.draggedElement) return;
+
+    event.preventDefault();
+    this.currentTouchY = event.touches[0].clientY;
+
+    const afterElement = this.getDragAfterElement(this.currentTouchY);
+    this.clearPlaceholders();
+
+    if (afterElement == null) {
+      this.showPlaceholder(this.element.lastElementChild, "after");
+    } else {
+      this.showPlaceholder(afterElement, "before");
+    }
+  }
+
+  touchEnd(event) {
+    if (!this.isTouching || !this.draggedElement) return;
+
+    const afterElement = this.getDragAfterElement(this.currentTouchY);
+    const container = this.element;
+
+    if (afterElement == null) {
+      container.appendChild(this.draggedElement);
+    } else {
+      container.insertBefore(this.draggedElement, afterElement);
+    }
+
+    this.draggedElement.classList.remove("opacity-50", "scale-105");
+    this.draggedElement.setAttribute("aria-grabbed", "false");
+    this.clearPlaceholders();
+    this.saveOrder();
+
+    this.isTouching = false;
+    this.draggedElement = null;
+  }
+
+  // ===== Keyboard Navigation =====
+  handleKeyDown(event) {
+    const currentSection = event.currentTarget;
+
+    switch (event.key) {
+      case "ArrowUp":
+        event.preventDefault();
+        if (this.keyboardGrabbedElement === currentSection) {
+          this.moveUp(currentSection);
+        }
+        break;
+      case "ArrowDown":
+        event.preventDefault();
+        if (this.keyboardGrabbedElement === currentSection) {
+          this.moveDown(currentSection);
+        }
+        break;
+      case "Enter":
+      case " ":
+        event.preventDefault();
+        this.toggleGrabMode(currentSection);
+        break;
+      case "Escape":
+        if (this.keyboardGrabbedElement) {
+          event.preventDefault();
+          this.releaseKeyboardGrab();
+        }
+        break;
+    }
+  }
+
+  toggleGrabMode(section) {
+    if (this.keyboardGrabbedElement === section) {
+      this.releaseKeyboardGrab();
+    } else {
+      this.grabWithKeyboard(section);
+    }
+  }
+
+  grabWithKeyboard(section) {
+    // Release any previously grabbed element
+    if (this.keyboardGrabbedElement) {
+      this.releaseKeyboardGrab();
+    }
+
+    this.keyboardGrabbedElement = section;
+    section.setAttribute("aria-grabbed", "true");
+    section.classList.add("ring-2", "ring-primary", "ring-offset-2");
+  }
+
+  releaseKeyboardGrab() {
+    if (this.keyboardGrabbedElement) {
+      this.keyboardGrabbedElement.setAttribute("aria-grabbed", "false");
+      this.keyboardGrabbedElement.classList.remove(
+        "ring-2",
+        "ring-primary",
+        "ring-offset-2",
+      );
+      this.keyboardGrabbedElement = null;
+      this.saveOrder();
+    }
+  }
+
+  moveUp(section) {
+    const previousSibling = section.previousElementSibling;
+    if (previousSibling?.hasAttribute("data-section-key")) {
+      this.element.insertBefore(section, previousSibling);
+      section.focus();
+    }
+  }
+
+  moveDown(section) {
+    const nextSibling = section.nextElementSibling;
+    if (nextSibling?.hasAttribute("data-section-key")) {
+      this.element.insertBefore(nextSibling, section);
+      section.focus();
+    }
+  }
+
+  getDragAfterElement(y) {
+    const draggableElements = [
+      ...this.sectionTargets.filter((section) => section !== this.draggedElement),
+    ];
+
+    return draggableElements.reduce(
+      (closest, child) => {
+        const box = child.getBoundingClientRect();
+        const offset = y - box.top - box.height / 2;
+
+        if (offset < 0 && offset > closest.offset) {
+          return { offset: offset, element: child };
+        }
+        return closest;
+      },
+      { offset: Number.NEGATIVE_INFINITY },
+    ).element;
+  }
+
+  showPlaceholder(element, position) {
+    if (!element) return;
+
+    if (position === "before") {
+      element.classList.add("border-t-4", "border-primary");
+    } else {
+      element.classList.add("border-b-4", "border-primary");
+    }
+  }
+
+  clearPlaceholders() {
+    this.sectionTargets.forEach((section) => {
+      section.classList.remove(
+        "border-t-4",
+        "border-b-4",
+        "border-primary",
+        "border-t-2",
+        "border-b-2",
+      );
+    });
+  }
+
+  async saveOrder() {
+    const order = this.sectionTargets.map(
+      (section) => section.dataset.sectionKey,
+    );
+
+    // Safely obtain CSRF token
+    const csrfToken = document.querySelector('meta[name="csrf-token"]');
+    if (!csrfToken) {
+      console.error(
+        "[Dashboard Sortable] CSRF token not found. Cannot save section order.",
+      );
+      return;
+    }
+
+    try {
+      const response = await fetch("/dashboard/preferences", {
+        method: "PATCH",
+        headers: {
+          "Content-Type": "application/json",
+          "X-CSRF-Token": csrfToken.content,
+        },
+        body: JSON.stringify({ preferences: { section_order: order } }),
+      });
+
+      if (!response.ok) {
+        const errorData = await response.json().catch(() => ({}));
+        console.error(
+          "[Dashboard Sortable] Failed to save section order:",
+          response.status,
+          errorData,
+        );
+      }
+    } catch (error) {
+      console.error(
+        "[Dashboard Sortable] Network error saving section order:",
+        error,
+      );
+    }
+  }
+}
diff --git a/app/javascript/controllers/reports_section_controller.js b/app/javascript/controllers/reports_section_controller.js
new file mode 100644
index 000000000..6ed08a8b7
--- /dev/null
+++ b/app/javascript/controllers/reports_section_controller.js
@@ -0,0 +1,97 @@
+import { Controller } from "@hotwired/stimulus";
+
+export default class extends Controller {
+  static targets = ["content", "chevron", "button"];
+  static values = {
+    sectionKey: String,
+    collapsed: Boolean,
+  };
+
+  connect() {
+    if (this.collapsedValue) {
+      this.collapse(false);
+    }
+  }
+
+  toggle(event) {
+    event.preventDefault();
+    if (this.collapsedValue) {
+      this.expand();
+    } else {
+      this.collapse();
+    }
+  }
+
+  handleToggleKeydown(event) {
+    // Handle Enter and Space keys for keyboard accessibility
+    if (event.key === "Enter" || event.key === " ") {
+      event.preventDefault();
+      event.stopPropagation(); // Prevent section's keyboard handler from firing
+      this.toggle(event);
+    }
+  }
+
+  collapse(persist = true) {
+    this.contentTarget.classList.add("hidden");
+    this.chevronTarget.classList.add("rotate-180");
+    this.collapsedValue = true;
+    if (this.hasButtonTarget) {
+      this.buttonTarget.setAttribute("aria-expanded", "false");
+    }
+    if (persist) {
+      this.savePreference(true);
+    }
+  }
+
+  expand() {
+    this.contentTarget.classList.remove("hidden");
+    this.chevronTarget.classList.remove("rotate-180");
+    this.collapsedValue = false;
+    if (this.hasButtonTarget) {
+      this.buttonTarget.setAttribute("aria-expanded", "true");
+    }
+    this.savePreference(false);
+  }
+
+  async savePreference(collapsed) {
+    const preferences = {
+      reports_collapsed_sections: {
+        [this.sectionKeyValue]: collapsed,
+      },
+    };
+
+    // Safely obtain CSRF token
+    const csrfToken = document.querySelector('meta[name="csrf-token"]');
+    if (!csrfToken) {
+      console.error(
+        "[Reports Section] CSRF token not found. Cannot save preferences.",
+      );
+      return;
+    }
+
+    try {
+      const response = await fetch("/reports/update_preferences", {
+        method: "PATCH",
+        headers: {
+          "Content-Type": "application/json",
+          "X-CSRF-Token": csrfToken.content,
+        },
+        body: JSON.stringify({ preferences }),
+      });
+
+      if (!response.ok) {
+        const errorData = await response.json().catch(() => ({}));
+        console.error(
+          "[Reports Section] Failed to save preferences:",
+          response.status,
+          errorData,
+        );
+      }
+    } catch (error) {
+      console.error(
+        "[Reports Section] Network error saving preferences:",
+        error,
+      );
+    }
+  }
+}
diff --git a/app/javascript/controllers/reports_sortable_controller.js b/app/javascript/controllers/reports_sortable_controller.js
new file mode 100644
index 000000000..82ddcc2f1
--- /dev/null
+++ b/app/javascript/controllers/reports_sortable_controller.js
@@ -0,0 +1,267 @@
+import { Controller } from "@hotwired/stimulus";
+
+export default class extends Controller {
+  static targets = ["section"];
+
+  connect() {
+    this.draggedElement = null;
+    this.placeholder = null;
+    this.touchStartY = 0;
+    this.currentTouchY = 0;
+    this.isTouching = false;
+    this.keyboardGrabbedElement = null;
+  }
+
+  // ===== Mouse Drag Events =====
+  dragStart(event) {
+    this.draggedElement = event.currentTarget;
+    this.draggedElement.classList.add("opacity-50");
+    this.draggedElement.setAttribute("aria-grabbed", "true");
+    event.dataTransfer.effectAllowed = "move";
+  }
+
+  dragEnd(event) {
+    event.currentTarget.classList.remove("opacity-50");
+    event.currentTarget.setAttribute("aria-grabbed", "false");
+    this.clearPlaceholders();
+  }
+
+  dragOver(event) {
+    event.preventDefault();
+    event.dataTransfer.dropEffect = "move";
+
+    const afterElement = this.getDragAfterElement(event.clientY);
+    const container = this.element;
+
+    this.clearPlaceholders();
+
+    if (afterElement == null) {
+      this.showPlaceholder(container.lastElementChild, "after");
+    } else {
+      this.showPlaceholder(afterElement, "before");
+    }
+  }
+
+  drop(event) {
+    event.preventDefault();
+    event.stopPropagation();
+
+    const afterElement = this.getDragAfterElement(event.clientY);
+    const container = this.element;
+
+    if (afterElement == null) {
+      container.appendChild(this.draggedElement);
+    } else {
+      container.insertBefore(this.draggedElement, afterElement);
+    }
+
+    this.clearPlaceholders();
+    this.saveOrder();
+  }
+
+  // ===== Touch Events =====
+  touchStart(event) {
+    this.draggedElement = event.currentTarget;
+    this.touchStartY = event.touches[0].clientY;
+    this.isTouching = true;
+    this.draggedElement.classList.add("opacity-50", "scale-105");
+    this.draggedElement.setAttribute("aria-grabbed", "true");
+  }
+
+  touchMove(event) {
+    if (!this.isTouching || !this.draggedElement) return;
+
+    event.preventDefault();
+    this.currentTouchY = event.touches[0].clientY;
+
+    const afterElement = this.getDragAfterElement(this.currentTouchY);
+    this.clearPlaceholders();
+
+    if (afterElement == null) {
+      this.showPlaceholder(this.element.lastElementChild, "after");
+    } else {
+      this.showPlaceholder(afterElement, "before");
+    }
+  }
+
+  touchEnd(event) {
+    if (!this.isTouching || !this.draggedElement) return;
+
+    const afterElement = this.getDragAfterElement(this.currentTouchY);
+    const container = this.element;
+
+    if (afterElement == null) {
+      container.appendChild(this.draggedElement);
+    } else {
+      container.insertBefore(this.draggedElement, afterElement);
+    }
+
+    this.draggedElement.classList.remove("opacity-50", "scale-105");
+    this.draggedElement.setAttribute("aria-grabbed", "false");
+    this.clearPlaceholders();
+    this.saveOrder();
+
+    this.isTouching = false;
+    this.draggedElement = null;
+  }
+
+  // ===== Keyboard Navigation =====
+  handleKeyDown(event) {
+    const currentSection = event.currentTarget;
+
+    switch (event.key) {
+      case "ArrowUp":
+        event.preventDefault();
+        if (this.keyboardGrabbedElement === currentSection) {
+          this.moveUp(currentSection);
+        }
+        break;
+      case "ArrowDown":
+        event.preventDefault();
+        if (this.keyboardGrabbedElement === currentSection) {
+          this.moveDown(currentSection);
+        }
+        break;
+      case "Enter":
+      case " ":
+        event.preventDefault();
+        this.toggleGrabMode(currentSection);
+        break;
+      case "Escape":
+        if (this.keyboardGrabbedElement) {
+          event.preventDefault();
+          this.releaseKeyboardGrab();
+        }
+        break;
+    }
+  }
+
+  toggleGrabMode(section) {
+    if (this.keyboardGrabbedElement === section) {
+      this.releaseKeyboardGrab();
+    } else {
+      this.grabWithKeyboard(section);
+    }
+  }
+
+  grabWithKeyboard(section) {
+    // Release any previously grabbed element
+    if (this.keyboardGrabbedElement) {
+      this.releaseKeyboardGrab();
+    }
+
+    this.keyboardGrabbedElement = section;
+    section.setAttribute("aria-grabbed", "true");
+    section.classList.add("ring-2", "ring-primary", "ring-offset-2");
+  }
+
+  releaseKeyboardGrab() {
+    if (this.keyboardGrabbedElement) {
+      this.keyboardGrabbedElement.setAttribute("aria-grabbed", "false");
+      this.keyboardGrabbedElement.classList.remove(
+        "ring-2",
+        "ring-primary",
+        "ring-offset-2",
+      );
+      this.keyboardGrabbedElement = null;
+      this.saveOrder();
+    }
+  }
+
+  moveUp(section) {
+    const previousSibling = section.previousElementSibling;
+    if (previousSibling?.hasAttribute("data-section-key")) {
+      this.element.insertBefore(section, previousSibling);
+      section.focus();
+    }
+  }
+
+  moveDown(section) {
+    const nextSibling = section.nextElementSibling;
+    if (nextSibling?.hasAttribute("data-section-key")) {
+      this.element.insertBefore(nextSibling, section);
+      section.focus();
+    }
+  }
+
+  getDragAfterElement(y) {
+    const draggableElements = [
+      ...this.sectionTargets.filter((section) => section !== this.draggedElement),
+    ];
+
+    return draggableElements.reduce(
+      (closest, child) => {
+        const box = child.getBoundingClientRect();
+        const offset = y - box.top - box.height / 2;
+
+        if (offset < 0 && offset > closest.offset) {
+          return { offset: offset, element: child };
+        }
+        return closest;
+      },
+      { offset: Number.NEGATIVE_INFINITY },
+    ).element;
+  }
+
+  showPlaceholder(element, position) {
+    if (!element) return;
+
+    if (position === "before") {
+      element.classList.add("border-t-4", "border-primary");
+    } else {
+      element.classList.add("border-b-4", "border-primary");
+    }
+  }
+
+  clearPlaceholders() {
+    this.sectionTargets.forEach((section) => {
+      section.classList.remove(
+        "border-t-4",
+        "border-b-4",
+        "border-primary",
+        "border-t-2",
+        "border-b-2",
+      );
+    });
+  }
+
+  async saveOrder() {
+    const order = this.sectionTargets.map(
+      (section) => section.dataset.sectionKey,
+    );
+
+    // Safely obtain CSRF token
+    const csrfToken = document.querySelector('meta[name="csrf-token"]');
+    if (!csrfToken) {
+      console.error(
+        "[Reports Sortable] CSRF token not found. Cannot save section order.",
+      );
+      return;
+    }
+
+    try {
+      const response = await fetch("/reports/update_preferences", {
+        method: "PATCH",
+        headers: {
+          "Content-Type": "application/json",
+          "X-CSRF-Token": csrfToken.content,
+        },
+        body: JSON.stringify({ preferences: { reports_section_order: order } }),
+      });
+
+      if (!response.ok) {
+        const errorData = await response.json().catch(() => ({}));
+        console.error(
+          "[Reports Sortable] Failed to save section order:",
+          response.status,
+          errorData,
+        );
+      }
+    } catch (error) {
+      console.error(
+        "[Reports Sortable] Network error saving section order:",
+        error,
+      );
+    }
+  }
+}
diff --git a/app/javascript/controllers/time_series_chart_controller.js b/app/javascript/controllers/time_series_chart_controller.js
index 7c1a1a064..981e227b9 100644
--- a/app/javascript/controllers/time_series_chart_controller.js
+++ b/app/javascript/controllers/time_series_chart_controller.js
@@ -66,6 +66,18 @@ export default class extends Controller {
   }
 
   _draw() {
+    // Guard against invalid dimensions (e.g., when container is collapsed or not yet rendered)
+    const minWidth = 50;
+    const minHeight = 50;
+
+    if (
+      this._d3ContainerWidth < minWidth ||
+      this._d3ContainerHeight < minHeight
+    ) {
+      // Skip rendering if dimensions are invalid
+      return;
+    }
+
     if (this._normalDataPoints.length < 2) {
       this._drawEmpty();
     } else {
diff --git a/app/models/user.rb b/app/models/user.rb
index b62ab8b61..57e57ac04 100644
--- a/app/models/user.rb
+++ b/app/models/user.rb
@@ -177,7 +177,71 @@ class User < ApplicationRecord
     AccountOrder.find(default_account_order) || AccountOrder.default
   end
 
+  # Dashboard preferences management
+  def dashboard_section_collapsed?(section_key)
+    preferences&.dig("collapsed_sections", section_key) == true
+  end
+
+  def dashboard_section_order
+    preferences&.[]("section_order") || default_dashboard_section_order
+  end
+
+  def update_dashboard_preferences(prefs)
+    # Use pessimistic locking to ensure atomic read-modify-write
+    # This prevents race conditions when multiple sections are collapsed quickly
+    transaction do
+      lock! # Acquire row-level lock (SELECT FOR UPDATE)
+
+      updated_prefs = (preferences || {}).deep_dup
+      prefs.each do |key, value|
+        if value.is_a?(Hash)
+          updated_prefs[key] ||= {}
+          updated_prefs[key] = updated_prefs[key].merge(value)
+        else
+          updated_prefs[key] = value
+        end
+      end
+
+      update!(preferences: updated_prefs)
+    end
+  end
+
+  # Reports preferences management
+  def reports_section_collapsed?(section_key)
+    preferences&.dig("reports_collapsed_sections", section_key) == true
+  end
+
+  def reports_section_order
+    preferences&.[]("reports_section_order") || default_reports_section_order
+  end
+
+  def update_reports_preferences(prefs)
+    # Use pessimistic locking to ensure atomic read-modify-write
+    transaction do
+      lock!
+
+      updated_prefs = (preferences || {}).deep_dup
+      prefs.each do |key, value|
+        if value.is_a?(Hash)
+          updated_prefs[key] ||= {}
+          updated_prefs[key] = updated_prefs[key].merge(value)
+        else
+          updated_prefs[key] = value
+        end
+      end
+
+      update!(preferences: updated_prefs)
+    end
+  end
+
   private
+    def default_dashboard_section_order
+      %w[cashflow_sankey outflows_donut net_worth_chart balance_sheet]
+    end
+
+    def default_reports_section_order
+      %w[trends_insights transactions_breakdown]
+    end
     def ensure_valid_profile_image
       return unless profile_image.attached?
 
diff --git a/app/views/pages/dashboard.html.erb b/app/views/pages/dashboard.html.erb
index 34f3796cd..daf6454b4 100644
--- a/app/views/pages/dashboard.html.erb
+++ b/app/views/pages/dashboard.html.erb
@@ -27,34 +27,56 @@
   </div>
 <% end %>
 
-<div class="w-full space-y-6 pb-24">
+<div class="w-full space-y-6 pb-24" data-controller="dashboard-sortable" data-action="dragover->dashboard-sortable#dragOver drop->dashboard-sortable#drop" role="list" aria-label="Dashboard sections">
   <% if Current.family.accounts.any? %>
-    <section class="bg-container py-4 rounded-xl shadow-border-xs mb-6">
-      <%= render partial: "pages/dashboard/cashflow_sankey", locals: {
-        sankey_data: @cashflow_sankey_data,
-        period: @period
-      } %>
-    </section>
-
-    <% if @outflows_data[:categories].present? %>
-      <section class="bg-container py-4 rounded-xl shadow-border-xs mb-6">
-        <%= render partial: "pages/dashboard/outflows_donut", locals: {
-          outflows_data: @outflows_data,
-          period: @period
-        } %>
+    <% @dashboard_sections.each do |section| %>
+      <% next unless section[:visible] %>
+      <section
+        class="bg-container rounded-xl shadow-border-xs transition-all group focus:outline-none focus-visible:ring-2 focus-visible:ring-gray-900 focus-visible:ring-offset-2"
+        data-dashboard-sortable-target="section"
+        data-section-key="<%= section[:key] %>"
+        data-controller="dashboard-section"
+        data-dashboard-section-section-key-value="<%= section[:key] %>"
+        data-dashboard-section-collapsed-value="<%= Current.user.dashboard_section_collapsed?(section[:key]) %>"
+        draggable="true"
+        tabindex="0"
+        role="listitem"
+        aria-grabbed="false"
+        aria-label="<%= t(section[:title]) %> section. Press Enter or Space to grab for reordering, then use arrow keys to move."
+        data-action="
+          dragstart->dashboard-sortable#dragStart
+          dragend->dashboard-sortable#dragEnd
+          touchstart->dashboard-sortable#touchStart
+          touchmove->dashboard-sortable#touchMove
+          touchend->dashboard-sortable#touchEnd
+          keydown->dashboard-sortable#handleKeyDown">
+        <div class="px-4 py-2 flex items-center justify-between">
+          <div class="flex items-center gap-2">
+            <button
+              type="button"
+              class="text-secondary hover:text-primary transition-colors p-0.5"
+              data-action="click->dashboard-section#toggle keydown->dashboard-section#handleToggleKeydown"
+              data-dashboard-section-target="button"
+              aria-label="<%= t("pages.dashboard.toggle_section") %>"
+              aria-expanded="<%= !Current.user.dashboard_section_collapsed?(section[:key]) %>">
+              <%= icon("chevron-down", size: "sm", class: "transition-transform", data: { dashboard_section_target: "chevron" }) %>
+            </button>
+            <h2 class="text-base font-medium">
+              <%= t(section[:title]) %>
+            </h2>
+          </div>
+          <button
+            type="button"
+            class="cursor-grab active:cursor-grabbing text-secondary hover:text-primary transition-colors p-0.5 opacity-0 group-hover:opacity-100"
+            aria-label="<%= t("pages.dashboard.drag_to_reorder") %>">
+            <%= icon("grip-vertical", size: "sm") %>
+          </button>
+        </div>
+        <div class="py-4" data-dashboard-section-target="content">
+          <%= render partial: section[:partial], locals: section[:locals] %>
+        </div>
       </section>
     <% end %>
-
-    <section class="bg-container py-4 rounded-xl shadow-border-xs">
-      <%= render partial: "pages/dashboard/net_worth_chart", locals: {
-        balance_sheet: @balance_sheet,
-        period: @period
-      } %>
-    </section>
-
-    <section>
-      <%= render "pages/dashboard/balance_sheet", balance_sheet: @balance_sheet %>
-    </section>
   <% else %>
     <section>
       <%= render "pages/dashboard/no_accounts_graph_placeholder" %>
diff --git a/app/views/pages/dashboard/_balance_sheet.html.erb b/app/views/pages/dashboard/_balance_sheet.html.erb
index af9ab3165..5bacd50c5 100644
--- a/app/views/pages/dashboard/_balance_sheet.html.erb
+++ b/app/views/pages/dashboard/_balance_sheet.html.erb
@@ -1,8 +1,8 @@
 <%# locals: (balance_sheet:, **args) %>
 
-<div class="space-y-4" id="balance-sheet">
+<div class="space-y-6" id="balance-sheet">
   <% balance_sheet.classification_groups.each do |classification_group| %>
-    <div class="bg-container shadow-border-xs rounded-xl space-y-4 p-4">
+    <div class="space-y-4 px-4">
       <div class="flex items-center gap-2">
         <h2 class="text-lg font-medium inline-flex items-center gap-1.5">
           <span class="<%= "animate-pulse" if classification_group.syncing? %>">
@@ -48,7 +48,7 @@
             </div>
           </div>
 
-          <div class="shadow-border-xs rounded-lg bg-container font-medium text-sm min-w-fit">
+          <div class="rounded-lg bg-container font-medium text-sm min-w-fit">
             <% classification_group.account_groups.each_with_index do |account_group, idx| %>
               <details class="group open:bg-container
                 <%= idx == 0 ? "rounded-t-lg" : "" %>
diff --git a/app/views/pages/dashboard/_cashflow_sankey.html.erb b/app/views/pages/dashboard/_cashflow_sankey.html.erb
index bb49fa50f..b47ca5739 100644
--- a/app/views/pages/dashboard/_cashflow_sankey.html.erb
+++ b/app/views/pages/dashboard/_cashflow_sankey.html.erb
@@ -1,10 +1,6 @@
 <%# locals: (sankey_data:, period:) %>
 <div id="cashflow-sankey-chart">
-  <div class="flex justify-between items-center gap-4 px-4 mb-4">
-    <h2 class="text-lg font-medium inline-flex items-center gap-1.5">
-      <%= t("pages.dashboard.cashflow_sankey.title") %>
-    </h2>
-
+  <div class="flex justify-end items-center gap-4 px-4 mb-4">
     <%= form_with url: root_path, method: :get, data: { controller: "auto-submit-form", turbo_frame: "_top" } do |form| %>
       <%= form.select :period,
                 Period.as_options,
diff --git a/app/views/pages/dashboard/_net_worth_chart.html.erb b/app/views/pages/dashboard/_net_worth_chart.html.erb
index d368d3a54..2ac67416b 100644
--- a/app/views/pages/dashboard/_net_worth_chart.html.erb
+++ b/app/views/pages/dashboard/_net_worth_chart.html.erb
@@ -4,20 +4,14 @@
   <% series = balance_sheet.net_worth_series(period: period) %>
   <div class="flex justify-between gap-4 px-4">
     <div class="space-y-2">
-      <div class="space-y-2">
-        <div class="flex items-center gap-2">
-          <h2 class="text-lg font-medium"><%= t(".title") %></h2>
-        </div>
-
-        <% if series.trend.present? %>
-          <p class="text-primary -space-x-0.5 text-3xl font-medium <%= "animate-pulse" if balance_sheet.syncing? %>">
-            <%= series.trend.current.format %>
-          </p>
-          <%= render partial: "shared/trend_change", locals: { trend: series.trend, comparison_label: period.comparison_label } %>
-        <% else %>
-          <p class="text-sm text-secondary"><%= t(".data_not_available") %></p>
-        <% end %>
-      </div>
+      <% if series.trend.present? %>
+        <p class="text-primary -space-x-0.5 text-3xl font-medium <%= "animate-pulse" if balance_sheet.syncing? %>">
+          <%= series.trend.current.format %>
+        </p>
+        <%= render partial: "shared/trend_change", locals: { trend: series.trend, comparison_label: period.comparison_label } %>
+      <% else %>
+        <p class="text-sm text-secondary"><%= t(".data_not_available") %></p>
+      <% end %>
     </div>
 
     <%= form_with url: root_path, method: :get, data: { controller: "auto-submit-form", turbo_frame: "_top" } do |form| %>
diff --git a/app/views/pages/dashboard/_outflows_donut.html.erb b/app/views/pages/dashboard/_outflows_donut.html.erb
index b1132cf9b..c046a0a88 100644
--- a/app/views/pages/dashboard/_outflows_donut.html.erb
+++ b/app/views/pages/dashboard/_outflows_donut.html.erb
@@ -1,10 +1,6 @@
 <%# locals: (outflows_data:, period:) %>
 <div id="outflows-donut-section">
-  <div class="flex justify-between items-center gap-4 px-4 mb-4">
-    <h2 class="text-lg font-medium inline-flex items-center gap-1.5">
-      <%= t("pages.dashboard.outflows_donut.title") %>
-    </h2>
-
+  <div class="flex justify-end items-center gap-4 px-4 mb-4">
     <%= form_with url: root_path, method: :get, data: { controller: "auto-submit-form", turbo_frame: "_top" } do |form| %>
       <%= form.select :period,
                 Period.as_options,
diff --git a/app/views/reports/_transactions_breakdown.html.erb b/app/views/reports/_transactions_breakdown.html.erb
index 9cb4d26d8..fafb717e1 100644
--- a/app/views/reports/_transactions_breakdown.html.erb
+++ b/app/views/reports/_transactions_breakdown.html.erb
@@ -1,11 +1,4 @@
 <div>
-  <%# Header %>
-  <div class="flex items-center justify-between mb-6">
-    <h2 class="text-lg font-medium text-primary">
-      <%= t("reports.transactions_breakdown.title") %>
-    </h2>
-  </div>
-
   <%# Export Controls %>
   <div class="flex items-center justify-end mb-4 flex-wrap gap-3">
     <%
diff --git a/app/views/reports/_trends_insights.html.erb b/app/views/reports/_trends_insights.html.erb
index 84e05657d..1b3d83b53 100644
--- a/app/views/reports/_trends_insights.html.erb
+++ b/app/views/reports/_trends_insights.html.erb
@@ -1,9 +1,4 @@
-<div>
-  <h2 class="text-lg font-medium text-primary mb-6">
-    <%= t("reports.trends.title") %>
-  </h2>
-
-  <div class="space-y-8">
+<div class="space-y-8">
     <%# Month-over-Month Trends %>
     <div>
       <h3 class="text-sm font-medium text-secondary mb-4">
diff --git a/app/views/reports/index.html.erb b/app/views/reports/index.html.erb
index 13fd9d1fc..57cd109ba 100644
--- a/app/views/reports/index.html.erb
+++ b/app/views/reports/index.html.erb
@@ -86,7 +86,7 @@
 
 <div class="w-full space-y-6 pb-24">
   <% if Current.family.transactions.any? %>
-    <%# Summary Dashboard %>
+    <%# Summary Dashboard - Always visible, not collapsible %>
     <section>
       <%= render partial: "reports/summary_dashboard", locals: {
         metrics: @summary_metrics,
@@ -94,23 +94,57 @@
       } %>
     </section>
 
-    <%# Trends & Insights %>
-    <section class="bg-container py-4 px-6 rounded-xl shadow-border-xs">
-      <%= render partial: "reports/trends_insights", locals: {
-        trends_data: @trends_data,
-        spending_patterns: @spending_patterns
-      } %>
-    </section>
-
-    <%# Transactions Breakdown %>
-    <section class="bg-container py-4 px-6 rounded-xl shadow-border-xs">
-      <%= render partial: "reports/transactions_breakdown", locals: {
-        transactions: @transactions,
-        period_type: @period_type,
-        start_date: @start_date,
-        end_date: @end_date
-      } %>
-    </section>
+    <%# Collapsible & Reorderable Sections %>
+    <div data-controller="reports-sortable" data-action="dragover->reports-sortable#dragOver drop->reports-sortable#drop" role="list" aria-label="Reports sections">
+      <% @reports_sections.each do |section| %>
+        <% next unless section[:visible] %>
+        <section
+          class="bg-container rounded-xl shadow-border-xs transition-all mb-6 group focus:outline-none focus-visible:ring-2 focus-visible:ring-gray-900 focus-visible:ring-offset-2"
+          data-reports-sortable-target="section"
+          data-section-key="<%= section[:key] %>"
+          data-controller="reports-section"
+          data-reports-section-section-key-value="<%= section[:key] %>"
+          data-reports-section-collapsed-value="<%= Current.user.reports_section_collapsed?(section[:key]) %>"
+          draggable="true"
+          tabindex="0"
+          role="listitem"
+          aria-grabbed="false"
+          aria-label="<%= t(section[:title]) %> section. Press Enter or Space to grab for reordering, then use arrow keys to move."
+          data-action="
+            dragstart->reports-sortable#dragStart
+            dragend->reports-sortable#dragEnd
+            touchstart->reports-sortable#touchStart
+            touchmove->reports-sortable#touchMove
+            touchend->reports-sortable#touchEnd
+            keydown->reports-sortable#handleKeyDown">
+          <div class="px-4 py-2 flex items-center justify-between">
+            <div class="flex items-center gap-2">
+              <button
+                type="button"
+                class="text-secondary hover:text-primary transition-colors p-0.5"
+                data-action="click->reports-section#toggle keydown->reports-section#handleToggleKeydown"
+                data-reports-section-target="button"
+                aria-label="<%= t("reports.index.toggle_section") %>"
+                aria-expanded="<%= !Current.user.reports_section_collapsed?(section[:key]) %>">
+                <%= icon("chevron-down", size: "sm", class: "transition-transform", data: { reports_section_target: "chevron" }) %>
+              </button>
+              <h2 class="text-base font-medium">
+                <%= t(section[:title]) %>
+              </h2>
+            </div>
+            <button
+              type="button"
+              class="cursor-grab active:cursor-grabbing text-secondary hover:text-primary transition-colors p-0.5 opacity-0 group-hover:opacity-100"
+              aria-label="<%= t("reports.index.drag_to_reorder") %>">
+              <%= icon("grip-vertical", size: "sm") %>
+            </button>
+          </div>
+          <div class="py-4 px-6" data-reports-section-target="content">
+            <%= render partial: section[:partial], locals: section[:locals] %>
+          </div>
+        </section>
+      <% end %>
+    </div>
   <% else %>
     <%# Empty State %>
     <section>
diff --git a/config/locales/views/pages/en.yml b/config/locales/views/pages/en.yml
index 572b06c78..8fa38a416 100644
--- a/config/locales/views/pages/en.yml
+++ b/config/locales/views/pages/en.yml
@@ -7,6 +7,8 @@ en:
       welcome: "Welcome back, %{name}"
       subtitle: "Here's what's happening with your finances"
       new: "New"
+      drag_to_reorder: "Drag to reorder section"
+      toggle_section: "Toggle section visibility"
       net_worth_chart:
         data_not_available: Data not available for the selected period
         title: Net Worth
@@ -15,6 +17,7 @@ en:
         no_account_subtitle: Since no accounts have been added, there's no data to display. Add your first accounts to start viewing dashboard data.
         no_account_title: No accounts yet
       balance_sheet:
+        title: "Balance Sheet"
         no_items: "No %{name} yet"
         add_accounts: "Add your %{name} accounts to see a full breakdown"
       cashflow_sankey:
diff --git a/config/locales/views/reports/en.yml b/config/locales/views/reports/en.yml
index b09c5b97d..5b4ed7a49 100644
--- a/config/locales/views/reports/en.yml
+++ b/config/locales/views/reports/en.yml
@@ -5,6 +5,8 @@ en:
       title: Reports
       subtitle: Comprehensive insights into your financial health
       export: Export CSV
+      drag_to_reorder: "Drag to reorder section"
+      toggle_section: "Toggle section visibility"
       periods:
         monthly: Monthly
         quarterly: Quarterly
diff --git a/config/routes.rb b/config/routes.rb
index 8c82dc606..740277b35 100644
--- a/config/routes.rb
+++ b/config/routes.rb
@@ -32,6 +32,7 @@ Rails.application.routes.draw do
 
   get "changelog", to: "pages#changelog"
   get "feedback", to: "pages#feedback"
+  patch "dashboard/preferences", to: "pages#update_preferences"
 
   resource :current_session, only: %i[update]
 
@@ -104,6 +105,7 @@ Rails.application.routes.draw do
   end
 
   resources :reports, only: %i[index] do
+    patch :update_preferences, on: :collection
     get :export_transactions, on: :collection
     get :google_sheets_instructions, on: :collection
   end
diff --git a/db/migrate/20251119122856_add_preferences_to_users.rb b/db/migrate/20251119122856_add_preferences_to_users.rb
new file mode 100644
index 000000000..8af204480
--- /dev/null
+++ b/db/migrate/20251119122856_add_preferences_to_users.rb
@@ -0,0 +1,6 @@
+class AddPreferencesToUsers < ActiveRecord::Migration[7.2]
+  def change
+    add_column :users, :preferences, :jsonb, default: {}, null: false
+    add_index :users, :preferences, using: :gin
+  end
+end
diff --git a/test/models/user_test.rb b/test/models/user_test.rb
index 16aa8cc72..c8d16889d 100644
--- a/test/models/user_test.rb
+++ b/test/models/user_test.rb
@@ -152,4 +152,128 @@ class UserTest < ActiveSupport::TestCase
   ensure
     Setting.openai_access_token = previous
   end
+
+  test "update_dashboard_preferences handles concurrent updates atomically" do
+    @user.update!(preferences: {})
+
+    # Simulate concurrent updates from multiple requests
+    # Each thread collapses a different section simultaneously
+    threads = []
+    sections = %w[net_worth_chart outflows_donut cashflow_sankey balance_sheet]
+
+    sections.each_with_index do |section, index|
+      threads << Thread.new do
+        # Small staggered delays to increase chance of race conditions
+        sleep(index * 0.01)
+
+        # Each thread loads its own instance and updates
+        user = User.find(@user.id)
+        user.update_dashboard_preferences({
+          "collapsed_sections" => { section => true }
+        })
+      end
+    end
+
+    # Wait for all threads to complete
+    threads.each(&:join)
+
+    # Verify all updates persisted (no data loss from race conditions)
+    @user.reload
+    sections.each do |section|
+      assert @user.dashboard_section_collapsed?(section),
+        "Expected #{section} to be collapsed, but it was not. " \
+        "Preferences: #{@user.preferences.inspect}"
+    end
+
+    # Verify all sections are in the preferences hash
+    assert_equal sections.sort,
+      @user.preferences.dig("collapsed_sections")&.keys&.sort,
+      "Expected all sections to be in preferences"
+  end
+
+  test "update_dashboard_preferences merges nested hashes correctly" do
+    @user.update!(preferences: {})
+
+    # First update: collapse net_worth
+    @user.update_dashboard_preferences({
+      "collapsed_sections" => { "net_worth_chart" => true }
+    })
+    @user.reload
+
+    assert @user.dashboard_section_collapsed?("net_worth_chart")
+    assert_not @user.dashboard_section_collapsed?("outflows_donut")
+
+    # Second update: collapse outflows (should preserve net_worth)
+    @user.update_dashboard_preferences({
+      "collapsed_sections" => { "outflows_donut" => true }
+    })
+    @user.reload
+
+    assert @user.dashboard_section_collapsed?("net_worth_chart"),
+      "First collapsed section should still be collapsed"
+    assert @user.dashboard_section_collapsed?("outflows_donut"),
+      "Second collapsed section should be collapsed"
+  end
+
+  test "update_dashboard_preferences handles section_order updates" do
+    @user.update!(preferences: {})
+
+    # Set initial order
+    new_order = %w[outflows_donut net_worth_chart cashflow_sankey balance_sheet]
+    @user.update_dashboard_preferences({ "section_order" => new_order })
+    @user.reload
+
+    assert_equal new_order, @user.dashboard_section_order
+  end
+
+  test "handles empty preferences gracefully for dashboard methods" do
+    @user.update!(preferences: {})
+
+    # dashboard_section_collapsed? should return false when key is missing
+    assert_not @user.dashboard_section_collapsed?("net_worth_chart"),
+      "Should return false when collapsed_sections key is missing"
+
+    # dashboard_section_order should return default order when key is missing
+    assert_equal %w[cashflow_sankey outflows_donut net_worth_chart balance_sheet],
+      @user.dashboard_section_order,
+      "Should return default order when section_order key is missing"
+
+    # update_dashboard_preferences should work with empty preferences
+    @user.update_dashboard_preferences({ "section_order" => %w[balance_sheet] })
+    @user.reload
+
+    assert_equal %w[balance_sheet], @user.preferences["section_order"]
+  end
+
+  test "handles empty preferences gracefully for reports methods" do
+    @user.update!(preferences: {})
+
+    # reports_section_collapsed? should return false when key is missing
+    assert_not @user.reports_section_collapsed?("trends_insights"),
+      "Should return false when reports_collapsed_sections key is missing"
+
+    # reports_section_order should return default order when key is missing
+    assert_equal %w[trends_insights transactions_breakdown],
+      @user.reports_section_order,
+      "Should return default order when reports_section_order key is missing"
+
+    # update_reports_preferences should work with empty preferences
+    @user.update_reports_preferences({ "reports_section_order" => %w[transactions_breakdown] })
+    @user.reload
+
+    assert_equal %w[transactions_breakdown], @user.preferences["reports_section_order"]
+  end
+
+  test "handles missing nested keys in preferences for collapsed sections" do
+    @user.update!(preferences: { "section_order" => %w[cashflow] })
+
+    # Should return false when collapsed_sections key is missing entirely
+    assert_not @user.dashboard_section_collapsed?("net_worth_chart"),
+      "Should return false when collapsed_sections key is missing"
+
+    # Should return false when section_key is missing from collapsed_sections
+    @user.update!(preferences: { "collapsed_sections" => {} })
+    assert_not @user.dashboard_section_collapsed?("net_worth_chart"),
+      "Should return false when section key is missing from collapsed_sections"
+  end
 end