System 5 of 5
The Emergency Buffer Rule
Three months of expenses. Separate account. Automated. No debate.
The problem it removes
Without a buffer, every surprise becomes a crisis and every automation feels risky. The buffer is the floor that makes the rest of the system safe to forget.
How it works
1
Set the target
Three months of essential expenses. Use the calculator to find your exact number.
2
Separate it
Keep it in its own account, out of sight of daily spending.
3
Automate it
A standing transfer fills it over time. No willpower, no debate.
A buffer turns emergencies back into inconveniences.
Install all five in seven days.
Start free with the Starter Kit, or explore the full guided installation.