Practical articles on financial runway, severance, unemployment, and surviving a job loss. Every guide links to the calculator so you can apply the advice to your real numbers.
An hour-by-hour checklist for day one. File for unemployment within 24 hours. Call your bank. Know your runway before you make any decisions.
The formula is simple. The implications aren't. Three worked examples across low, median, and high savings — then your real number.
Month 1 is triage. Month 2–3 is stabilization. Month 4 and beyond is income recovery. Spending targets for each phase.
The "3–6 months" rule is wrong for a lot of people. The right number depends on your industry, income variance, and local job market.
Ranked by impact per dollar of effort. Housing is hardest and biggest. Subscriptions are easiest and meaningful. Start here.
What you can negotiate, what you can't, and what you should never sign the same day you receive it.
Call before you're late. Most creditors have hardship programs they don't advertise. A script that works.
Who the WARN Act covers, when it requires 60-day notice, and what you're entitled to if your employer skips it.
Real hourly rates after expenses. Honest about the effort required. Sorted by how fast you can start earning.
COBRA, 401(k), HSA, life insurance — what stays, what disappears, and what you have to act on immediately.