Do we really?
A quick look at the last financial report indicates we had reserves in the region of £9m at the end of FY 17/18 to keep the club going in the case of no income.
It also showed that it cost about £2.5m to run the club that same financial year, with a surplus of about £77.5k at the end, which would be reinvested into the club. Along with the surpluses from FY's 16/17 and 15/16 (approx £160k, I think)
Now I appreciate that these accounts were released before the Stubbs debacle, let alone Kearney, as well as any income from McGinn's move to Aston Villa or Jack Ross' move to Sunderland, but there's no way in hell we've blown through that amount of reserves in just over a year.