Your Business on Purpose

E135: Building Financial Resilience with a Hills and Valley Fund

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In this episode of Your Business on Purpose Podcast, host Dawnette Palmore dives deeper into the concept of financial resilience by exploring the importance of creating a Hills and Valley Fund. Building on the foundation laid in Episode 133, where she discussed cash flow analysis and spending plans, Dawnette highlights how having a financial reserve can safeguard your business during challenging times.

Key Takeaways:

  • Understanding the Hills and Valley Fund: A strategic financial buffer designed to manage the natural ebbs and flows of business revenue.
  • Differentiating Emergency Funds vs. Hills and Valley Funds: Learn why these two reserves serve distinct purposes in your financial strategy.
  • Steps to Build Financial Resilience: Tips for incorporating a Hills and Valley Fund into your spending plan and why it’s crucial to aim for 9–12 months of reserves for your business.
  • Practical Strategies for Financial Planning: Real-life examples of how Dawnette has helped clients move from dependence on credit to financial independence through effective planning.


    • If you’re ready to fortify your business against financial uncertainties, this episode is for you.

    Resources Mentioned:

    • Episode 133: Cash Flow Analysis and Spending Plans
    • Book a complimentary call with Dawnette: Your Money On Purpose

      • Action Step:
      Set a goal for your Hills and Valley Fund! How much do you want to save in the next year to build financial resilience?

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      Your Business on PurposeBy Dawnette Palmore