Create a starter buffer
Choose an amount that meaningfully reduces a common financial shock, even if it is smaller than a long-term target.
05 — The household reserve
Give the future a first transfer.
Savings is not what remains after a perfect month. It is a deliberate transfer toward resilience, options and the things you value.
Name the account
A clear label can make the trade-off visible: Home repair, Health, Annual fees or Leave.
Automate within reality
Schedule a transfer after income arrives, and keep the amount adjustable when cash flow changes.
The practice
A simpler sequence.
Take these in order, then revisit when the facts change.
- 01
Define
Name what the reserve protects.
- 02
Date
Choose a time horizon or review point.
- 03
Transfer
Set a repeatable amount that fits the current plan.