A framework for designing financial systems that continue to operate when income stops. It extends system duration through structure. It shifts the system from conditional stability to insulation. It measures resilience through liquidity duration, not returns. The objective is simple. Survive interruption.
Duration is the primary measure Liquidity equals time One asset, one job Buffers before optimisation The system must survive income interruption Income should not be the single point of failure
Money is organised into roles: Fixed Costs Liquidity buffers Investing Lifestyle Each role is separated and protected. No cross-dependence.
Duration measures how long the system survives without income. It is calculated as liquidity divided by fixed costs. Liquidity defines available time. Fixed costs define the burn rate. It defines interruption tolerance, not stability
Not portfolio optimisation
Not return maximisation
Not financial advice
Not asset allocation
See how long your system actually lasts without income. Identify fragility, duration limits, and structural gaps before they matter.