Core concept

What is a break point?

A break point is the amount of time, access, or flexibility you have before a disruption materially changes your ability to function.

Your savings aren't $20,000. They're a number of days. Your phone isn't just a device — it can be the single key to banking, identity, and communication. Your bank balance isn't the same as usable access when the app is down.

Four clocks that matter

Don't scare people. Don't reassure people. Measure the dependency. Then fix the shortest clock first.