Stop Letting Inflation Eat Your runway

Cash is Trash

Holding operating capital in a standard checking account is negligent. You are paying the bank to hold your money.

The Treasury Ladder

You need liquidity, but you also need yield.

• Tier 1 (Ops): 1 month of expenses in Checking.
• Tier 2 (Reserves): 6 months of runway in Government T-Bills (via Mercury Treasury). Currently yielding ~5%.
• Tier 3 (Growth): Reinvested into ads or product.

Don't be a day trader. Be a CFO. Set it up once, collect the yield forever.