A 3-tier emergency fund protocol: starter cash, one-month buffer, then 3 to 6 months. Includes rules for when to pause debt extra payments and when to refill.

Who this is for: People who skip saving because every extra dollar goes to cards, then get wrecked by a car repair.

Inside: tier targets, refill rules, where to park the cash, and a job-loss 30-day script.

Format: Instant digital PDF after checkout. Members-only download. No shipping, no physical copy.