Know Your 3 Numbers Before Life Forces You To.
A simple financial protection framework helping parents, caregivers, healthcare professionals, educators, and business owners prepare for life's unexpected challenges.
Run My 3 Numbers01. Gap Month Number
How long can your family maintain its lifestyle if income stops?
02. Peace of Mind Number
How much accessible money do you have during life's emergencies?
03. Kids' Future Number
Are your children's future goals protected?
Most Families Are One Unexpected Event Away From Financial Stress.
A job loss. An illness. An injury. A family emergency. These events don't send warnings.
Preparation is easier before the crisis.
The3Numbers was created to help families understand their current level of protection, discover blind spots, and make informed decisions before life forces urgent action.
The 3 Numbers That Help Families Prepare
These three numbers help you understand your financial runway, emergency flexibility, and future protection strategy.
Gap Month Number
Your financial runway. This number shows how many months your household can continue operating if income suddenly stops.
Peace of Mind Number
Your emergency flexibility. This number measures how much accessible money you have available during difficult times.
Kids' Future Number
Your legacy strategy. This number helps you understand whether future educational and family goals are properly protected.
Real Families. Real Results.
Knowing through others is better than becoming the terrible example.
From a familiar face to a powerful lesson.
She came toward me smiling — that kind of smile that says, “I know you.”
She was 32. Crisp uniform. Wings on her chest. The pilot of the plane I was about to board.
Then she hugged me and shouted, “Big Aunty!” I immediately knew she was one of my preschool or kindergarten babies.
During our discussion, she asked me what I now do. I told her I teach parents how to run their 3 Numbers.
I learned from her that she would be 3 months away from running out of funds if anything happened to her, and she had no guarantee for her 3 beautiful boys.
Running her 3 Numbers helped her start a plan that secured her and her family in case of a no-fly season.
Watch the video here.
A stronger plan beyond work benefits.
“I thought I was good. Union benefits, pension, 401k. Then my wife asked: ‘What if you throw your back out like one of your patients?’”
Crickets. I had no answer.
Philipa showed me Living Benefits. If I can’t do bedside, my IUL can pay me while I heal. If I stay healthy, the cash value is my “quit nursing at 55” fund.
My Gap Month Number was 6 weeks. Now it’s 18 months and growing.
Every nurse needs to text CHECKLIST. Period.
I hope to use my IUL for: Living Benefits protection + early retirement plan.
James R., 41 — Night Shift RN, Dad of 2
The Guide Behind The3Numbers
Philipa has spent more than 50 years caring for families as an educator, caregiver, and licensed financial professional.
Her mission is simple: help families understand their financial blind spots before life's unexpected moments expose them.
Through The3Numbers framework, she guides parents, healthcare professionals, educators, and business owners toward greater financial confidence and preparedness.
Run Your 3 Numbers Today
In just a few minutes, you'll gain insight into your family's current level of financial preparedness and discover opportunities to strengthen your future.
Your Questions Answered
Cash Value & IUL questions for parents, educators, healthcare professionals, and business owners.
Parents & Educationists
What is IUL in plain English?
IUL is life insurance that lasts your whole life plus a savings side account. The savings grows based on a stock market index like the S&P 500, but with a 0% floor. If the market crashes -30%, you get 0%, not -30%. If it goes up, you get part of the gain, up to a cap like 9-12%. You’re protected from market losses but still get growth.
Is IUL good if my main goal is protecting my young kids?
Yes, it’s the best assurance because of its cash values, which you can borrow from for important events while still keeping growth working for you.
Can I use IUL to save for my preschooler’s college?
Unlike 529 plans that may attract taxes and penalties if used for non-college events, IUL is flexible. You can borrow for college, wedding, business, or retirement without penalty or tax, depending on policy structure.
Can my business pay for my IUL policy?
Yes, in many cases. Your business can also borrow from your IUL cash value later with no bank approval, depending on how the policy is structured.
Can I borrow from IUL to cover payroll or buy equipment?
Yes, after cash value builds up — usually year 5-10+. Loans are tax-free and no credit check. Interest is charged, but you’re paying yourself back.
Still have questions?
We have the answer. Book your 15-minute Policy Destination Call after completing the assessment.
Run My 3 NumbersHealthcare Professionals
IUL vs 401k vs Roth IRA — which should be more important to me?
Knowing the difference between them all will help you make a decision that suits your plans. IUL can avoid probate, grow cash value, and allow you to take a loan from it depending on policy structure.
I have coverage through work, isn’t that enough?
Work policies average 1-2x salary, and you lose it if you quit or get laid off. If you have a mortgage and kids, that leaves a huge gap. Private policies follow you from job to job.
What if I become sick, injured, or unable to work?
Policies with living benefits may help you access funds during qualifying illness, injury, or major health events while you are still alive.
How does this help nurses and healthcare workers?
Many healthcare workers depend on their ability to work physically. If an injury, diagnosis, or career change stops that income, your Gap Month Number and Peace of Mind Number help show how prepared you are.
How do I know if IUL fits me?
Start with your free Policy Destination report. We’ll map term vs IUL vs 529 vs 401k for your exact age, kids, and business situation. It takes about 15 minutes.
Still confused if IUL fits you?
Get your free Policy Destination report. We’ll map your options based on your exact age, kids, work, and business situation.
Start AssessmentDon't Wait For A Crisis To Discover Your Numbers
The best time to prepare is before you need protection. Take the assessment today and start building a stronger financial future.
Run My 3 Numbers