Laddering

Laddering — splitting money across staggered maturities so a locked instrument produces rolling liquidity. The course’s flagship version: open one new MP2 account each year, and from year 5 one account matures every year — each maturity a decision point to roll, redirect, or spend. The same pattern works with time deposits and bonds, and Level 2 builds the full peso ladder across all three.

First used in: 1.4 · The PH cheat codes: MP2, PERA, RTBs