Day 23 of 90 · UNDERSTAND · Week 4: Choose Your Priority
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Priority: Build Savings
When a buffer should come first.
About 5 minutes
Learn
Building savings usually comes first when a single unexpected cost would push you into new debt.
Stability has a compounding effect of its own: it removes the emergency borrowing that undoes other progress.
The signal is simple — if surprises regularly derail you, the buffer is the bottleneck.
Do
Note whether an unexpected $500 cost would currently create new debt for you.
Think About It
How often has a surprise cost interrupted your progress in the last year?
Optional — no answer needed to continue
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