Principles
Build the base first. Add layers. Then optimize — without sacrificing safety.
Liquidity buffer
A dedicated emergency reserve protects you from forced selling.
Debt guardrails
Reduce high-interest pressure to stabilize monthly flexibility.
Diversification
Spread risk across assets and time horizons. Rebalance on schedule.
Quick start
Three actions to do today.
Automate transfers
Schedule contributions to buffer and long-term investing.
Set a cadence
Monthly baseline, quarterly review. Consistency improves security.
Protect downside
Review coverage when life changes; reduce catastrophic risk.