Latest guidance

Layoff survival, written for the first 72 hours.

A free, ad-free library covering what to do in the first day, week, and 30 days after a layoff. Plain guidance — sourced from federal agencies and consumer protection rules — written for the person on the kitchen floor at 9pm, not a financial advisor. No subscriptions, no funnels, just answers.

72-hour triage

  1. First 72 hours

    What to do in the first 72 hours after a layoff

    The hour-by-hour playbook: what to gather, what to skip, and the two time-sensitive deadlines (insurance and unemployment) that quietly cost the most if you miss them.

    July 25, 2026  ·  8 min read
  2. First 72 hours

    Health insurance after a layoff: COBRA, ACA, and spouse plans

    The three coverage paths compared in plain language — what each costs, the 60-day windows that quietly cost the most if you miss them, and the decision checklist to pick one before you run out of time.

    August 3, 2026  ·  9 min read

Severance

  1. Severance

    How to negotiate severance after a layoff

    What to ask for before you sign: the four common asks (cash, healthcare subsidy, references, release language), how to put it in writing, and what not to do.

    July 28, 2026  ·  7 min read

Stabilization

  1. Stabilization

    What to do with your 401k after a layoff

    The 60-day rollover window, the 20% withholding trap you don't want to trigger, and the real cost of cashing out vs. rolling over — with the step-by-step on doing a direct rollover the right way.

    July 30, 2026  ·  7 min read
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