In this episode, Wade Borth breaks down a powerful yet surprisingly simple framework to eliminate financial pressure: understanding your burn rate and calculating your days of liquidity.
Instead of complex financial strategies, Wade focuses on clarity through simplicity. By knowing exactly how much you spend daily and how much accessible cash you have, you can determine how many days you could survive without income.
This isn't about budgeting.
It's about buying time.
It's about certainty.
It's about sleeping at night.
Wade explains how most financial anxiety stems from not knowing your numbers — and how once you do, you can move from scarcity-based decisions to freedom-based decisions.
Email - wade@sagewealthstragey.com with the subject "Burn Rate" to get a copy of the spreadsheet & we can review it together.
Liquidity
Burn Rate
Financial Pressure
Emergency Fund
Cash Flow
Savings Strategy
Financial Clarity
Money Mindset
Financial Freedom
Wealth Building
Sequence of Investing
Financial Security
Personal Finance
Certainty vs Scarcity
Income Protection
00:00–00:34 – Why financial pressure keeps you up at night
00:00–01:02 – Simplicity creates clarity (not complexity)
00:02:28–00:03:06 – "Do I actually know my numbers?"
00:05:37–00:06:17 – Calculating your burn rate (Annual expenses ÷ 365)
00:06:38–00:07:14 – Why liquidity matters more than investments in a crisis
00:08:12–00:08:40 – Example: $78,000 liquid cash = 262 days of security
00:09:58–00:10:16 – Most people have less than 30 days of liquidity
00:10:54–00:11:15 – Setting a target: 365 days of liquidity
00:11:15–00:11:39 – Why freedom comes after certainty
00:11:55–00:12:14 – Making investment decisions from confidence instead of fear
00:13:09–00:13:28 – The key question: How many days can you survive without income?
