Build financial, emotional, and practical margin.

Margin is capacity that is not yet allocated, and it is what allows you to absorb the unexpected without a crisis. Financial margin covers surprises, emotional margin lets you handle difficulty without breaking, and practical margin means your week has room in it. Most stress comes from having none of the three.

Pick whichever is thinnest and add a little this month. Not a plan, just a small increase. Margin is what turns emergencies into inconveniences.