An 8-month emergency fund
ReminderEight months of expenses, because real emergencies do not run on optimistic timelines.
- Computes the 8-month target from your true baseline
- Tracks progress without judgment
- Flags the months you fall behind
The Suze Orman Show
Suze Orman
People first, then money, then things. Protect yourself before you optimize.
6,200 people run this system with Flip
The system
5 habits. Copy once, Flip runs them for you.
Can you truly afford it?
Live alertIf buying it would touch your emergency fund, you cannot afford it. Denied.
- Flags purchases that would dent the buffer
- Texts you the same day, not at month end
- Shows the buffer after every big buy
Needs before wants, always
BudgetSeparate them honestly and fund needs first.
- Splits your months into needs and wants
- Uses real transactions, not intentions
- Shows the honest ratio monthly
Debt is bondage
Scan lensHigh-interest debt gets attacked before any luxury does.
- Orders your debts by interest rate
- Shows the true yearly cost of each
- Builds the attack plan, most expensive first
Automatic, always
Live alertSavings that require a decision every month will eventually skip one.
- Verifies the transfer fired every payday
- Alerts you the same day it does not
- Tracks the streak
What Suze's scan looks for
- Your 8-month number and how far you are from it
- Purchases that dipped into protection money
- Needs vs wants, from real transactions
- Debts ordered by what they truly cost per year
Running it in real life
3.1 mo
protected, from 1.2
The scan set her 8-month target, found the two buffer dips, and priced her card debt at $1,340/yr. Flip guards the buffer, verifies her automatic transfer every payday, and the card balance is down 40%.
— Gloria, 41 · One scare away from real trouble, tired of it
Copy the system, connect your accounts, and see what Suze would fix.
Copy Suze's system