The Cash Floor: How Much Liquidity Before You Optimize Anything
Emergency cash and opportunity cash are different tools with different rules. A four-tier liquidity floor — buffer, emergency, sinking, opportunity.
emergency fund
Building Your Own Severance: The Anti-Fragile Income Stack
One job is the real risk. The layered-income framework I use: a cash floor, a real second stream, and assets — with a build order and honest timelines.
The Layoff Playbook: First 30 Days After Losing Your Job
A calm, ordered first 30 days after a layoff: severance review, health insurance bridge, unemployment filing, budget triage, and the first income moves.
How Much Should You Actually Keep in Your Emergency Fund?
A 3-, 6-, and 12-month framework for sizing your emergency fund by income volatility, with worked baseline numbers for W-2 and commission earners.
How Much Should You Actually Keep in Your Emergency Fund?
A 3-, 6-, and 12-month framework for sizing your emergency fund by income volatility, with worked baseline numbers for W-2 and commission earners.
High-Yield Savings Accounts Explained: Where Your Emergency Fund Actually Earns
Where your emergency fund should actually sit: HYSA math versus checking, how FDIC insurance works, and when rate-chasing stops being worth your time.
The Business Emergency Fund: Why Owners Need Two Cushions, Not One
Most small businesses hold about 27 days of cash. How to size a separate business cushion from your worst realistic quarter, build it, and where to keep it.
Business Money Has Three Jobs: Float, Reserve, and the Bitcoin Question
Sort business cash by when you’ll need it, not by return. Where float, reserve and surplus belong, T-bills vs HYSA math, and Bitcoin with both sides.
