Why layers work
Layering reduces single-point failure. If one part is stressed, the rest of the system keeps you stable.
Time to decide
A buffer creates time, and time protects decision quality.
Stability
Diversification reduces dependence on perfect timing.
Next steps
Start with the base, then add guardrails and a cadence.
Automate the base
Transfers to buffer and long-term investing.
Bound obligations
Reduce high-interest pressure and stabilize cash flow.
Review quarterly
Rebalance and update protection layers as life changes.