Small Business Tip: Build a War Chest (Cash Reserve)
Small Business Tip: Build a War Chest (Cash Reserve)
Because No One Wants to Be Broke and Panicked at 3AM
Let’s talk about that sweet, sweet thing every business owner dreams about—no, not a yacht in the Bahamas—I’m talking about having 3–6 months of expenses just chillin’ in the bank. That’s right, a war chest. Your emergency fund. Your "oh-crap-the-economy-just-sneezed" money.
Picture this: You're building your business, chasing your dream, grinding through every free hour you’ve got. That was me in 2022. I had launched DBR Bookkeeping but was still working full-time as a casino pit boss—counting chips by day, balancing books by night. The dream was alive, but the bank account? Not so much.
The reason I didn’t go full-time with DBR right away? I didn’t have a war chest. No reserve. No financial cushion. Just grit, late nights, and a lot of coffee. I knew if I jumped too soon, one unexpected expense or slow month could knock everything off course. So, I kept working the casino gig until I had enough saved up—and enough clients—to finally take the leap.
Let me tell you: building a war chest gave me the confidence to walk away from a steady paycheck and go all-in. It let me transition into full-time entrepreneurship with less stress and a whole lot more sleep.
Why 3–6 Months?
That’s the golden range. It gives you time to pivot, recover, or simply breathe during tough stretches. Business is unpredictable, but your sleep schedule doesn’t have to be.
How to Start?
Look at your monthly expenses (rent, payroll, software, tacos… hey, we don’t judge).
Multiply by 3–6.
Start stashing away a % of every month’s profit until you hit your goal.
Don’t touch it unless it’s an emergency!
Want help building your business buffer or just want to surround yourself with smart, driven entrepreneurs?
✅ Join the DBR Bookkeeping Online Community: Click here to join on Skool
📞 Or schedule a call with Dr. Bryan Raya, QuickBooks ProAdvisor: Book a 30-min Zoom consult
Let’s start Doing Business Right! 💼💪