Planning · 06 min read
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Liquidity gives a plan room to change. Here is a simple way to see what your reserve is buying you.
A reserve is often described as a defensive move. In practice, it can be an active choice: the ability to wait, negotiate, or say yes without borrowing time from tomorrow.
Start with a monthly essential number. Multiply it by the number of months you want to keep available. Then separate that reserve from money with a longer job.
Illustrative prompt: If your essential monthly outflow is Rp 18.000.000 and your runway is six months, your reserve target is Rp 108.000.000.
There is no universal number. The useful part is being explicit about the trade-off between access and return.