Template · Free preview
Emergency Reserve.
A free starting structure for the first operational reserve a family should hold — measured in months of real obligations, in your base currency.
Purpose
To shift from 'savings' as a vague intention to a reserve as an operational signal of how many months your family can absorb before the system strains.
What it helps organise
- Base currency selection
- Real fixed monthly obligations
- Liquidity layers: cash, account, instruments
- Target depth: 1–3 months baseline
What is included
- Inputs needed before the number means anything
- Multi-currency reconciliation notes
- Common mistakes families make when defining 'a month'
Next operational step
Maintain the reserve as a tracked layer inside Family OS, with a readiness signal that updates as obligations change.