Monetsko
The secure protocol
A repeatable routine: stabilize cash flow, build liquidity, control high-interest debt, diversify for growth, and review protection on a schedule.
Steps
Stabilize spending
Define essentials, reduce leakage, automate transfers.
Build a buffer
Target 3–6 months of key expenses in a dedicated reserve.
Reduce pressure
Prioritize high-interest debt to improve flexibility.
Diversify growth
Spread contributions across time and asset types; rebalance.
Cadence
Weekly
Keep cash flow clean and predictable.
Monthly
Top up buffer, reduce debt pressure, adjust automations.
Quarterly
Rebalance, revisit goals, and review protection layers.
Educational demo. Not individualized financial advice.
Protocol check
A quick demo interaction: estimate a “protocol score” based on buffer, debt pressure, and review cadence.