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Head Above Water
Last discussed Oct 31, 2026
James Smith's financial concept of calculating the monthly amount needed to cover essential costs and treating hitting it as the key goal.
Recently discussed in
The Most Unhinged Path To Success - James Smith
James Smith · Oct 31, 2026
What creators say
JS
James Smith
mentioned
Used for: Setting a monthly financial baseline as a business owner
Praised: Gives freedom and invincibility, such as the ability to turn down brand deals...
vs: Contrasted with people whose financial goal line is miles ahead of them
"Ed Lawrence asked me the most important financial metric to aim for as a business owner. And I call it head above water. So you write down: what's my rent? What's my car finance? What's my holiday fund? What is that per month? Now, as a business o..."
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