Money Rescue · CareerThe first 72 hours after a layoff, in the right order.
What to secure before access disappears, what not to sign yet, the deadlines that cost real money if missed, and how many months your runway actually is.
72
hour plan in phases
Built in
runway calculator
Included
employer request letter
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Instant delivery to your emailThe Problem
Several clocks start the moment you're told — and nobody points at them.
The severance agreement is put in front of you while you're in shock
It's a legal document that typically releases claims, and there are consideration periods that may apply — particularly for older workers and group layoffs. Signing on the spot is the single most common expensive mistake.
Unemployment benefits are frequently not backdated
Every day between the layoff and the claim can be money that simply isn't paid. It's the most time-sensitive item and it's rarely the first thing anyone mentions.
Health coverage ends on a date nobody tells you
Often the end of the month, with a limited window to elect continuation cover. A layoff also opens a special enrolment window for marketplace coverage, which is frequently much cheaper — and widely unknown.
Access disappears faster than you expect
Contacts, records and work samples that are genuinely yours become far harder to retrieve once accounts are closed. The first few hours are when this is easiest.
What You Get
Protect first, decide second — with the clocks visible.
What Not To Sign Yet
What a severance agreement releases, and what to check.
Clock-Sensitive Checklist
The claim, the coverage date, the election windows.
Runway Calculator
Savings and severance against real costs, in months.
Employer Request Letter
Final pay, PTO, coverage dates and your file — in writing.
Money Triage
What to pause and renegotiate while you can explain why.
Job Search Restart
The first week, at a pace you can sustain for months.
How It Works
From spinning to a sequence you can follow.
1
Tell the AI what's happened
When it was, your state, whether severance was offered, whether you've signed anything, and what your runway looks like.
~5 minutes2
Get the sequence and the deadlines
What not to sign, the clock-sensitive items today, and an hour-by-hour order for the first three days.
~3 minutes3
Send the letter, run the numbers, restart
One written request to your employer, your real runway calculated, and a search rhythm that lasts longer than a fortnight.
~20 min/day72 hours
sequenced so the time-critical things happen first — the claim filed, the coverage understood, the paperwork requested, and nothing signed before it's understood
4
phases, not one long list
1
letter that gets you written answers
0
documents signed in shock
Questions
Everything you need to know.
Should I sign the severance agreement?
Not today, and not before you understand what it releases. These agreements are legal documents that typically waive claims, and depending on your age and whether this was a group layoff there may be a formal period you're entitled to consider it in, plus a revocation window. If the amount is meaningful, a free consultation with an employment lawyer is worth having — the toolkit says so plainly rather than rushing you.
What's the most time-sensitive thing?
Filing the unemployment claim. Benefits are frequently not backdated, so delay is often money permanently lost, and it's the item people most commonly leave until they've finished processing the news. Second is finding out the exact date your health coverage ends.
Is continuation cover my only option for health insurance?
No, and this is the point that saves people the most. A layoff generally opens a special enrolment window for marketplace coverage, which is frequently much cheaper than continuation cover — but the window is limited and few people are told about it. The toolkit puts both options side by side with their deadlines.
Can I use my retirement savings to get through this?
You can, and it's usually the expensive route — early withdrawal generally means income tax plus a penalty on top, while rolling the account over doesn't. The toolkit flags this before it becomes tempting, and covers the cheaper options to try first.
Is this legal advice?
No. Notice requirements, final pay timing, PTO payout and unemployment eligibility all vary by state and country, so it tells you what to check and who to ask rather than what the law says. Where a situation warrants a lawyer, it says so.
Does it help with the job search too?
Yes, but deliberately not on day one. The first phases are about protecting money and options; the search restart comes at hours 48-72 with a rhythm built to last months rather than a burst of applications that ends in a fortnight.
Reviews
More structure, less layoff chaos.
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