Skip to content
← From Zero
← From Zero
Season 8 · Your own plan · 8.6

Everything before this, on one page

My plan1. Debt 2. Cushion 3. Invest
What it is

A plan is not a prediction. It is the order you do things in: debt, then a cushion, then investing, with a mix you chose before any market moved.

In your headbendsOn paperholds
Why it matters

Written down, a plan survives a bad week. Kept only in your head, it bends to whatever the market just did, which is exactly when it is most likely to be wrong.

CUSHION3-6 moSHARES70%BONDS30%
The numbers

A plan is a handful of settled numbers: your cushion size (often 3 to 6 months of spending), your mix (say 70% shares, 30% bonds), and how far a fall can go before you act.

Bad weekThe plan: unchanged
The trap

Changing the plan after a scary headline is not updating it, it is abandoning it. A plan is tested exactly when you most want to break it.

My plan panelMix, limits, reasons
Where you see it

Portfolio's My plan panel keeps your mix and limits in one place; a line in your journal keeps the reasons next to the numbers.

In one line

A plan is the order you chose before a market moved. Writing it down is what makes it hold.

Do it today

Write it in Portfolio or your journal.

Season doneBack to the shelves
Try it
Episode done · saved to your path