What “secure” means
Secure means you can keep going through volatility without breaking your plan: no forced selling, no payment stress, no single-point failure.
Liquidity buffer
Cash reserved for surprises so your investments can stay invested.
Debt guardrails
Reduce high-interest pressure to stabilize monthly cash flow.
Diversified growth
Spread contributions across time and asset types.
Fast start
If you do only one thing today: pick a cadence and automate the base.
Automate essentials
Schedule transfers to buffer and long-term investing.
Bound risk
Keep obligations manageable and avoid fragile assumptions.
Review quarterly
Rebalance, adjust goals, and update protection layers.