The Moat

Rain happens. The moat is what keeps a surprise from reaching the temple. Set your numbers, drag the lever, and see the day your cushion holds.

Educational illustration only · all figures illustrative · not financial advice

Repair figure illustrative — mirrors Foundation Week 4

Your numbers

Monthly essentials (rent, food, utilities) — $ Already set aside for emergencies — $ Starter cushion goal — $ (many people start with $500)

The lever — weekly set-aside

$25 / week

When the moat holds

—

Weeks to starter cushion—

Months of cover today—

Months of cover in 6 months—

The same surprise, two ways · illustrative

With a moat

$240 comes out of the cushion. Cost: $240. Refill in — at your pace.

On a 26% card (minimums)

The $240 takes — to clear and costs — total.

Zen Dhandho® provides free financial education. This page is an educational illustration only — it is not financial, investment, or credit advice, and it does not consider your individual circumstances. All figures, dates, rates, and examples are illustrative. Card example assumes a 26% APR with minimum payments of 3% of the balance (minimum $25) and no new charges. Your numbers will differ. Consult a qualified professional for individual guidance.