Emergency reserves · Long-term savings planning
Most households are told to keep three months of expenses set aside, then left to figure out the rest alone. We plan emergency reserves and long-term savings as one connected structure — built around your actual cash flow, not a rule of thumb.
The problem
A flat "three months of expenses" rule assumes a steady paycheck, a single earner, and no dependents facing irregular costs. In practice, freelancers in Seoul absorb client payment delays, dual-income households juggle two bonus cycles, and families supporting parents abroad carry obligations the rule never accounts for.
When an emergency hits, the reserve is spent down — and the long-term savings plan that depended on it stalls. We start by mapping where your reserve actually leaks, so the buffer holds the next time, not just this time.
Our approach
We separate your money into three working layers — a liquid reserve for true emergencies, a near-term fund for known upcoming costs, and long-term savings allocated to clear goals — then size each one against your real monthly cash flow and obligations.
The reserve is stress-tested against job-loss gaps, medical co-payments common under Korean national health insurance, and family support obligations. Long-term savings are tied to named goals with timelines, so progress is measurable rather than aspirational.
Consultations
Three paid engagements, each scoped with you first. We state the KRW fee upfront and only charge once you have signed off on the work.
01
Single session · fee quoted in KRW (proposed, pending confirmation)
A single-session look at the reserve you hold today, with a written note on where it leaks and how to size it for the obligations you actually carry.
02
Quarterly retainer · fee quoted in KRW (proposed, pending confirmation)
Regular check-ins to keep your reserve and savings plan aligned as income, family obligations, and goals change over the year.
03
Project engagement · fee quoted in KRW (proposed, pending confirmation)
A project that ties your long-term savings to specific life goals — a home, tuition, retirement — each with its own timeline and account-allocation guidance.
The process
Who this is for
We work with salaried professionals, freelancers, and dual-income families in and around Seoul who want a reserve and savings plan that accounts for irregular income, family support, and goals that are not interchangeable.
This is not for anyone seeking investment product sales or a quick projection of future returns. We plan cash structure, not portfolios.
