Resilience plan guide

Coins in a glass jar illustrating a starter emergency savings fund

Tier 0 — Weekly float

Cash for groceries, transport, and small bills due before your next income deposit. This tier is not your emergency fund; it prevents you from tapping reserves for routine spending.

Tier 1 — Essential-month reserve

Liquid savings covering rent, utilities, minimum debt payments, and dependent costs if income stops. We size this in months of essential spending, not your full lifestyle budget.

Tier 2 — Shock absorber

Additional liquidity for deductibles, medical co-pays, or temporary relocation—not market investments. Replenishment rules define how you rebuild Tier 2 after a withdrawal.

Review triggers

Revisit tiers when employment changes, a dependent moves in or out, major medical coverage changes, or you take on new secured debt. Document the date and new targets in your plan summary.

Work with us

This guide reflects how we structure client conversations; it is not personal advice. For a plan built from your numbers, request a consultation or read about our session formats.