Day 31 of 90 · STRENGTHEN · Week 5: Build Your Buffer
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What a Buffer Actually Does
Understand the job of emergency savings.
About 5 minutes
Learn
A buffer exists to keep an unexpected cost from becoming a new debt, a missed bill, or a crisis decision.
Its return is not measured in interest. It is measured in options and in the debt you never take on.
A buffer is not investment money. Access matters more than growth.
Do
Write down the three most likely unexpected costs in your life this year.
Think About It
What would you do today if your largest predictable surprise happened tomorrow?
Optional — no answer needed to continue
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