Sarah Chen

Sarah Chen covers layoff recovery finance for PostLayoffPlan. Her articles walk through the operational decisions that hit in the first 90 days after separation — mortgage forbearance windows, COBRA-vs-ACA calculator math, 401(k) options at separation, credit-protection tactics during a job search, and the order-of-operations problems that don't appear in any textbook.

Her work prioritises specific, actionable guidance grounded in current rules. Where the broader personal-finance press writes generically ("call your servicer"), Sarah writes specifically ("call your servicer before day 60 of missed payments — here's the FHA forbearance worksheet and the script to use"). When numbers are cited, they're attributed to IRS publications, state employment-department guidance, or named lender programs — never invented.

Sarah is not a Certified Financial Planner. PostLayoffPlan does not provide individualised financial advice; the content is educational and analytical. Readers with complex situations should consult a CFP, CPA, or attorney as appropriate.

She writes for readers who have already been laid off and need operational clarity in the next 30, 60, and 90 days — not generic personal-finance theory.