A two-minute estimate and a $39 personalized report tells you exactly what to do this week, this month, and through the rest of your runway. Severance review, unemployment timing, health coverage, cash flow, job search structure. Sequenced and dated.
From the news to a plan in two minutes. The fastest way to swap panic for clarity is a list of the next things to do, in the right order, calibrated to your numbers.
Not legal advice. Educational use only. Each report is reviewed by our team before delivery. 7-day money-back guarantee.
Five numbers, no email required. The estimate uses 2026 severance benchmarks, the WARN Act rules, your state's PTO law, and a typical household burn rate to project your runway. The $39 unlocks the 30-day plan calibrated to all of it.
No jargon. No legal-speak. The five things this $39 report actually does for you, written so a fifth grader could follow along. Because the worst week of your career is not the week to read a contract you do not understand.
Most first offers are below the typical amount for your role and tenure. We do the math, look at 2026 benchmarks, and tell you straight: the offer is fair, or the offer is low and here is by how much.
Word for word. Email language for the first message. Phone language for the call. Including what to say when they push back the first time. You read it, you say it, you do not have to make it up.
File unemployment by day 7. Decide on health insurance by day 14. File a tax-withholding form before your severance gets paid out. Each step has a date. We give you the calendar.
How many months of runway you have. What to cut, what to keep. What to do with your 401k. Whether to take COBRA or your state's marketplace plan. How to handle debt while you look for the next job.
The clauses HR did not walk through. Non-disparagement language that affects your next reference. Non-compete traps. Bonus claw-backs. Equity forfeiture. The parts that quietly cost you money for years.
Five things to do in the first seven days, in priority order. Filing unemployment is day one. Not signing the severance is day one. Listing fixed expenses is day one. Most workers miss two of these.
COBRA versus your state's marketplace, run for your specific income. COBRA premiums in 2026 average $780 a month for a household. The marketplace alternative is often $300 to $500 less.
Your stock-option exercise window is usually only 90 days after termination. Miss it and your options expire worthless. Plus 401k choices: roll over, leave, or take a hardship distribution. Each has a tax cost.
Eight clauses to review before you sign. Non-disparagement scope, arbitration, non-competes, equity acceleration, bonus claw-back. Each can quietly cost you your next job or your earned bonus.
Month-by-month for the next six months. Severance lump sum, unemployment timing, COBRA outflow, projected expenses. Knowing exactly when the runway ends is somehow less scary than not knowing.
Severance is taxed as wages. Default federal withholding is 22%, which is often the wrong rate for your situation. We tell you whether to ask for a different withholding, what your effective rate will be, and how to plan estimated payments through the rest of the year.
Word-for-word what to say when you call HR. Including what to say when they push back the first time. Built around your specific tenure, role, and state.
What to cut and when, in priority order, calibrated to your runway. Subscriptions, food, transportation, housing, debt service. With specific dollar targets per month, not just generic advice.
Which debts to pay, which to defer, which to renegotiate. Mortgage forbearance, student loan deferment, credit card hardship programs. Most lenders have hardship paths they do not advertise. We list yours and what to ask for.
When to start, what to send, who to call first. The structure that converts. Workers who follow a written job-search cadence land 38% faster than those who do not.
Every plan is read by our team before it lands in your inbox. "Personally reviewed" is not a marketing line. It is literally true. 7-day money-back guarantee if it does not match your situation.
I went from staring at the offer for two days to having a calendar of what to do every day. The difference between panic and a plan was about ninety minutes of reading.
I did not know I had to file unemployment immediately. The plan caught it on day one. Saved me three weeks of benefits I would have left on the table.
The cash flow projection is what got me sleeping again. Knowing exactly when the runway ends turned out to be less scary than not knowing.
Most things in this report are billed elsewhere at lawyer rates, advisor rates, or coach rates. Here is the line-by-line. Total typical value: over $3,100. Today's price: $39. Read it and then decide.
One. We are an information product, not a service. The same plan goes to thousands of laid-off workers a year and the cost of one more is essentially zero.
Two. The point of $39 is to be cheaper than the cost of getting it wrong. The average gap between a first severance offer and a negotiated one is $8,000. We want every worker who got the news this week to be able to say yes without thinking about the price.
Three. Most laid-off workers do not have $400 for a lawyer or $200 for a financial planner this week. They have $39. So we built it for $39.
Read the plan. If it does not surface at least $500 you would not have known to ask for, claim, or save, write to us within 7 days and we refund the $39. You keep the plan. No forms, no questions, no hoops.