Liquidity as the First Pillar of Resilience

Executive summary

Liquidity — cash you can spend tomorrow — is the highest-value resilience asset. It bridges every gap between shock and payout.

• Hold ≥ 6 months in HYSA/T-bills
• Tier reserves by access speed
• Refill within 90 days of any draw

Key takeaways

• Hold ≥ 6 months in HYSA/T-bills
• Tier reserves by access speed
• Refill within 90 days of any draw
• Avoid investing the first 3 months

Key strategies

1. Strategy 1

   Hold ≥ 6 months in HYSA/T-bills

2. Strategy 2

   Tier reserves by access speed

3. Strategy 3

   Refill within 90 days of any draw

4. Strategy 4

   Avoid investing the first 3 months

Pro-tips checklist

• Use I-bonds only after the first 3 months
• Maintain HELOC as a backstop, not primary liquidity

FAQ