By Sasa Pejic

Structure beats income.
Stability is built.

More income won’t fix what’s structurally wrong.

If liquidity isn’t defined, you’re exposed.
If risk isn’t separated, everything is at risk.
If capital has no role, it gets consumed.

That’s not a revenue issue.
That’s an architectural failure.

When I look at someone’s finances, I don’t ask how much they make.

I ask:

Where is your liquidity buffer?
What portion is protected from inflation?
What capital is untouchable?
What is actively compounding?

If those answers aren’t precise, stability is accidental.

And accidental stability doesn’t last.

Security isn’t about optimism.

It’s about design under pressure.