A resilient farm is made up of three key streams.

These streams connect and come together, much like a river.

You can influence how these streams behave, but they can also influence you at the same time. Just like a river, you don't have complete control over it, but you can learn to navigate the waters through appropriate management, so you don't get swept away.

One of the most important streams is environmental.

Protecting and improving the health of the land lays the foundation for the financial, and personal and social streams to flow.

You can work with the environment to manage the health of your land's soil, water, and above and below ground species, while also recognising that there are broader patterns outside your control. This includes soil types, the water cycle, weather cycles, and longer-term changes in the climate.

Another important stream is people: you, your family, friends, employees, networks, and your community (etc). Your personal and social wellbeing and the wellbeing of those around you influences how you make decisions that relate to the environment, and how you achieve financial success and stability.

Your financial stream is shaped by your financial decision making, the broader economy, beyond your influence (e.g interest rates), as well as what happens in the environmental, and personal and social streams too.

You can build financial resilience through proactive planning, flexing to market changes, and making sure you have access to financial resources.

The healthier your finances, the more you can invest in the rest of the river system, improving how it flows.

These 3 streams work together to build your resilience.

A resilient farm is not a destination, but a continuous process; one that looks different for every farmer and changes over time.

So, what can you do?