Liquidity determines how long you can operate. Runway determines how well you can decide. Most people think of money as a number. This book reframes it as time. In Liquidity & Runway, Mark Ellison introduces a systems-based approach to financial stability, showing how accessible cash, expense structure, and burn rate interact to create-or eliminate-margin. Rather than focusing on income alone, this book centers on how long a household can sustain itself, adapt, and make decisions without pressure. You will learn how to: Measure true accessible liquidity Calculate and extend financial runway Reduce fragility by adjusting burn rate Build margin that protects decision quality Understand how small changes in cash or expenses reshape your time horizon This is not a budgeting guide or a get-rich strategy. It is a structural model for understanding how money functions inside a system.

By converting financial resources into time, Liquidity & Runway provides a clear framework for building stability in an unpredictable world.