Free 72-Hour Layoff Triage Quick-Start

The 72-Hour Framework

Four windows. One goal each. Don't skip ahead.

Hour 0–4

Gather

Don't decide anything. Collect documents, write down your cash position, list every bill.

Hour 4–24

Time-Sensitive

File unemployment. Confirm insurance deadline. Review severance — don't sign it.

Hour 24–48

Prioritize

Rank bills by consequence. Contact housing and utilities proactively. Cancel discretionary spending.

Hour 48–72

Stabilize

Build a survival budget, update your resume, set a weekly check-in. Stop reacting.

Day 1 progress 0%

Day 1 The 7 Tasks That Can't Wait Hours 0–24

⚡ Do immediately — before access is revoked

Save personal files from work email and drive urgent

Work email access is typically cut within hours. Save performance reviews, personal emails, or documents you may need. Do this before anything else.
Read your severance agreement — do not sign it today

You have time. Signing immediately may waive rights you didn't know you had. Note the deadline, non-compete language, and any release of claims. Consider an employment attorney review before signing.
File for unemployment insurance today time-sensitive

States have processing backlogs — filing on Day 1 vs. Day 7 is a real cost. File at your state's official workforce agency website. You don't need a lawyer or third-party service.
Confirm your health insurance enrollment deadline deadline

You typically have ~60 days from when employer coverage ends (not your last day of work) to elect COBRA or enroll in an ACA marketplace plan. Check your COBRA notice for the exact date. Missing both windows leaves you uninsured with no retroactive option.

💰 Know your numbers before prioritizing anything

Calculate your runway: (savings + severance) ÷ monthly spend

This single number removes the most anxiety. Most people underestimate their monthly spend by $200–400. Pull 3 months of bank statements. The result tells you how long you can operate without panic-deciding.
Set aside 25% of any severance for taxes

Severance is taxed as ordinary income. If taxes weren't withheld, budget 24–28% liability and do not spend it on lifestyle. It is not a windfall — it is time.
List every bill due in the next 30 days — don't prioritize yet, just list

Rent/mortgage, utilities, car payment, insurance, subscriptions, credit cards, loans. Get it all on paper. You'll prioritize in Hour 24–48. For now, complete inventory is the only goal.

Get this checklist in your inbox

Save it for later — we'll send you a direct link to this page. No spam, no account required.

No spam — ever.

Locked — Full Framework

Days 2 & 3: Bill Prioritization, Creditor Calls, Job Search Activation

The full planning framework continues with 16 more action items across two more days — plus personalized call guides for your specific bills.

🔒 Bill-by-bill priority ranking with consequence analysis for your specific situation
🔒 Conversation starters for mortgage, rent, utilities, credit cards, and auto loans
🔒 401(k) rollover decision checklist and common mistake guide
🔒 Documents to gather — organized by provider type
🔒 Day 3 job search activation: LinkedIn, resume, referral outreach, application pipeline
🔒 Survival budget template and weekly check-in cadence
🔒 When to call an employment attorney, CPA, or credit counselor

Get Your Full 72-Hour Plan — $99

Personalized to your specific bills. The Runway72 triage tool maps your situation, calculates your real runway, and generates conversation starters for every creditor.

Personalized 72-hour action timeline based on your bills
Provider call prompts for 14+ bill types
Official unemployment resources by state
Severance prep checklist and HR question guide
Document checklists for every relevant provider type

Unlock Full Plan — $99 →

One-time · No subscription · 48-hour money-back guarantee

Want a personalized plan first? Free triage tool →