Not every surprise is an emergency.
This shows you why they feel like one.

Many financial systems collapse under small, predictable shocks like school fees, repairs, annual bills, seasonal expenses etc because there is no layer designed to absorb them.

Savings Buffer: Shock Distribution helps you identify where everyday life is quietly manufacturing emergencies and shows you how to separate predictable costs from true crises.

This diagnostic teaches you how to:

• Distinguish real emergencies from irregular expenses

• Stop draining your emergency fund for predictable costs

• Reduce financial spikes that create stress and decision fatigue

• Design buffers that smooth life instead of disrupting it

When savings buffers are missing, every surprise feels urgent.
When they are in place, life becomes quieter, even when costs arise.

This is not about saving more.
It’s about placing savings where they reduce pressure the most.