Set the right cash buffers: Identify your monthly “nut” to know how much you need in cash reserves. You want 2-8 months of overhead in cash. Find your lowest revenue month from the last 12 months. Monthly top‑off: If last month’s revenue was $100,000, 10% = $10,000; after $8,000 auto‑transferred, move $2,000 more. One caution: Cash reserves only hold if you are intentional.