CashmereAcademy
Academy

Build Your Financial Safety Net

Measure how many months your cash would last, rank the debts and gaps that could shorten it, separate what insurance covers from what cash must, and write a safety net with an owner and a trigger for each risk.

Level
Applied
Format
Instructor-led
Length
4.5 hours over 3 weeks, 8 lessons
Classes
3 live

Next class Starts Jan 9, 2027, 3 classes over 3 weeks, in the room and live online, Cashmere Studio, 71 Ayer Rajah Crescent

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What you will be able to do.

  • Runway
  • Emergency reserve
  • Debt priority
  • Protection gaps
  • Shock scenarios
  1. 01calculate your runway and compare it with a reserve target you can defend
  2. 02rank your debt and liquidity risks from balances, repayments and access to cash
  3. 03tell an insurance need from an emergency cash need, and record a gap you cannot read as unavailable
  4. 04work one financial shock through your own Plan and say which reserve absorbs it
  5. 05write a safety net with a target, an owner, a trigger and a next action for each material risk

Module by module.

01

How Long the Money Lasts

Runway as a figure, a reserve target to hold it against, and every debt and liquidity risk ranked by one stated rule.

  1. Runway, and the reserve it should reachIn the room, 45 min
  2. Your runway, readExercise, 30 min
  3. Debt and liquidity, rankedSelf study, 30 min

02

What Insurance Is For

The line between a risk cash should absorb and a risk only cover can, read from the learner's own protection where it is available, and one shock worked through their own Plan.

  1. Insurance need or cash needIn the room, 45 min
  2. Your cover, readExercise, 30 min
  3. One shock, workedSelf study, 30 min

03

The Safety Net

One page that names each material risk, the target that closes it, who owns it, what triggers action, and what that action is.

  1. Target, owner, trigger, next actionIn the room, 45 min
  2. Your safety netSelf study, 25 min

Ends in an assessment: 4 questions, pass mark 70%, 3 attempts.

Who it is for

  • Anyone who has a surplus and no idea how long it would carry them if pay stopped.
  • Anyone carrying a card balance, a car loan and a mortgage at once, with no rule for which comes first.

What you need first

  • A Cashmere Pocket with accounts entered and a plan set up. The exercises read its runway.
  • Recommended: PF101 and PF102.

Asked before enrolling.

Who is this course for?

Anyone with a salary and no plan for it yet. No finance background is assumed, and nothing in it depends on following the markets.

What do I need before I start?

A browser and a Cashmere Pocket. Every exercise is done in your own Pocket, on your own numbers, and the course checks your Pocket to confirm each exercise is done.

Are classes recorded?

No. Classes are taught live by a person. The slides stay in the portal to read back at any time, with the checkpoints under them.

What if I miss a class?

The deck and its checkpoints stay open, so you can catch up in your own time. Missing a class does not stop you from completing the course.

Is this financial advice?

No. The course teaches you how to think about money and read your own position. It never offers a view on what to buy.

What do I leave with?

A completion record naming the course version you were taught, which you can export. It is not an accredited qualification.

A financial safety net in your own numbers: a reserve target, a ranked risk list, a worked shock and the action each one triggers.

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We reply within two working days.