Our Insights

We often treat our finances as a simple monthly cycle: get paid, pay bills, save what's left. But in reality, money never flows that smoothly. Life is full of 'lumpy' expenses which are costs that aren't monthly but are absolutely predictable and guaranteed to arrive, like quarterly insurance premiums, annual registrations, or unexpected medical fees. These costs are often too big for your regular monthly budget, but too small or predictable to be covered by your massive, long-term emergency fund. This is why you need a dedicated financial buffer fund.