Survival Guides
Strategies to stay above the line and protocols for when you fall below.
Phase 1: Above the Line (Prevention)
If your DTD (Distance to Death) is healthy (> 90 days), your goal is Antifragility.
The "Burn Rate" Audit
- Identify Vampire Costs: Subscriptions, unused gym memberships, and premium services.
- Negotiate: Call your ISP and insurance providers. Loyalty doesn't pay; negotiation does.
- Liquid Buffer: Aim specifically for 3 months of cash liquidity, not just net worth.
Income Diversification
- The 80/20 Rule of Side Hustles: Focus on high DOI (Duration of Income) work, not just high hourly rates. A recurring contract is worth more than a one-off gig.
Phase 2: On the Line (Warning)
If your DTD is < 30 days, you are in the Danger Zone.
Protocol: "Stop the Bleeding"
- Freeze Discretionary: Halt all non-survival spending immediately.
- Asset Liquidation: Sell anything that depreciates and costs money to store.
- Debt Consolidation: Move high-interest credit card debt to balance transfer cards or personal loans if your credit score still allows.
Phase 3: Below the Line (Crisis)
If you have hit 0 days or are in negative cash flow.
Triage Protocol
- The "Four Walls" First: Food, Utilities, Shelter, Transportation. Pay these before any unsecured debt.
- Strategic Default: Understand the consequences, but know that feeding your family comes before paying Visa.
- Seek Aid: Use our Resources map to find local food pantries and emergency assistance programs.