If you’re a high-earning Filipino professional, you can still be financially exposed—not because you earn too little, but because your cash buffers are mis-sized.

In client work, we see two structural patterns:

• Over-buffered: a big cash pile that feels safe, but quietly slows your long-term progress.
• Under-protected: a thin buffer that feels “fine” until a big hit lands at the wrong time and forces you to derail goals or sell investments.

In this episode, we’ll build a simple, professional way to decide:

• How much emergency fund is enough (based on must-continue expenses, not generic “3 to 6 months” rules)
• How to structure your cash into 3 clean layers (Liquidity Fund, Emergency Fund, Opportunity Funds)
• What to do next if you’re over-buffered vs under-buffered—without overreacting either way
• A one-page “Buffer Strategy Sheet” you can complete in 15–20 minutes

Watch the video version on YouTube: https://youtu.be/Cw4tXxNXYHA
Free guide: The Insider’s Insurance Audit Playbook is available via the YouTube description of the episode.

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