Missed unemployment deadlines, paying the wrong bills first, and signing severance under pressure cost people thousands. Runway72 gives you the exact framework to avoid those mistakes — bills prioritized by consequence, deadlines mapped, conversation starters ready — in 5 minutes.
Free plan includes:
Unemployment windows close fast. Severance deadlines are short. Start now — free.
One-time payment. Instant delivery to your inbox. Personalized to your specific bills, state, and situation.
Hour-by-hour timeline for your first 3 days, built around your actual deadlines — not a generic checklist. What to do at hour 0, hour 8, hour 36.
Exact language for mortgage servicers, auto lenders, credit cards, utilities, student loans, and more. What to say, what to ask for, what to refuse. Tested conversation starters — not generic advice.
Direct link to your state's filing portal. Exact documents to gather before you call. Deadlines to know. Common mistakes that reset your waiting period.
60-day COBRA election window. ACA special enrollment period. The actual cost comparison framework for your situation — not a generic breakdown. Deadlines you cannot miss.
Housing first. Then utilities. Then everything else, in order of what actually happens if you skip a payment. Grace periods, negotiability, and when each escalates.
What to read before you sign. Clauses that give up more than you realize. When to call an employment attorney. Questions to ask HR about benefits continuation, vesting, and non-competes.
We're early. Someone paid us real money on day one — not a beta invite, not a free trial. That person had 3 weeks of severance and needed a framework that worked immediately. That's who this is built for.
We don't have 500 five-star reviews yet. What we have: a tool that works, a playbook built from real layoff scenarios, and creditor scripts that match how servicers actually respond. That's what you're buying.
Missed unemployment filing. Late fees on bills you paid in the wrong order. Signing severance before knowing what you gave up. These are documented, preventable mistakes. $99 against that math isn't a hard decision.
Whether it's AI, restructuring, or a budget cut, a layoff hits like a wall. Most people freeze. The bills don't. Existing tools weren't built for crisis speed. Outplacement services help you find a job. We help you identify the right questions and next steps before that process even begins.
Map every bill, deadline, and obligation. Identify documents to gather. Calculate your approximate runway with existing cash and expected benefits. Know what's urgent vs. what can wait.
Access official unemployment resources by state. Review sample conversation starters for creditors, landlords, and utility providers. Identify COBRA/ACA options to research. Prepare questions for HR about benefits continuation.
Build your planning snapshot. Identify issues to verify with attorneys, CPAs, or credit counselors. Prepare questions for severance review. Establish a weekly check-in cadence. You have a framework — not a panic.
Organize every obligation by consequence of non-payment, grace periods, and negotiability. A structured framework to help you understand what to address first — general educational support, not professional financial advice.
Sample conversation starters for 14+ provider types: mortgage companies, credit cards, utilities, landlords, student loans, and more. Helps you know what questions to ask — not legal, financial, or debt-settlement advice.
Official state-by-state unemployment filing links. COBRA/ACA options information. A structured prep checklist so you know what questions to ask and what documents to have ready before contacting agencies.
Prepare questions to ask about your severance agreement. Identify common areas to review before signing. Know when to contact an employment attorney. Document checklists for every relevant provider type.
One missed mortgage payment late fee: $75–150. One week of unemployment benefits you didn't file for: $400–800. Signing a severance clause that waives your right to sue before reading it: potentially tens of thousands. The $99 isn't a purchase you're making out of abundance — it's the cheapest line item in a week where every wrong move compounds. If it doesn't pay for itself in the first 48 hours, email us. Full refund.
No. Runway72 is a playbook and a set of scripts — you execute. We tell you what order to call creditors, what to say when you get them on the phone, and what deadlines you cannot miss. We don't give personalized investment advice, legal counsel, or tax guidance. We tell you when you need someone who does. That distinction matters: we're faster than a financial advisor, available now, and you don't need an appointment.
Good — you're past step 1. There are 11 more. COBRA election window is still ticking (60 days). Your severance agreement may still be unsigned, or you may have signed something you need to understand. Your mortgage servicer doesn't know you're laid off yet. Your credit cards haven't been negotiated. Bill prioritization still matters even if you have unemployment income coming — the gap between benefit and expenses is where the errors happen.
48 hours, no questions. Email us at support@runway72.polsia.app within 48 hours of purchase and we'll refund you in full. We'd rather refund someone who didn't find it useful than keep $99 from a person already under financial stress.
Instant. You pay, it lands in your inbox in under a minute — personalized to your specific bills, your state, and the situation you entered during triage. No waiting for someone to email you back, no downloads, no account setup. The playbook is delivered as a formatted email you can read on your phone right now.
Not satisfied? Email us within 48 hours for a full refund.
✓ Instant access · ✓ One-time payment · ✓ No subscription
Runway72 exists because nobody should lose thousands in the first month after a layoff just because they didn't know what to do, what to sign, or who to call first.
⚡ Unemployment windows close fast — don't wait