Topics

Severance runway math, emergency fund stretch, budget templates, and the operational money decisions in the first 90 days after a layoff.

COBRA vs ACA marketplace decisions, special enrollment periods, HSA/FSA mechanics, and the 2026 ACA subsidy cliff.

Mortgage forbearance windows, credit-score defense during a job search, credit-card debt order-of-operations, HELOC traps.

Rule of 55, Roth conversion during low-income years, tax-loss harvesting, early withdrawal penalty math, and the decisions facing 401(k)s at separation.

Job search strategy after a layoff — duration realities, recruiter ghosting, contract vs full-time, pay-cut decisions, long search recovery.

Layoff-specific scripts for LinkedIn updates, resume gap explanations, and recruiter / hiring manager interview answers.

Consulting after layoff, freelance income + unemployment interaction, gig-work math, starting a business during severance.

Layoff depression, identity loss, imposter syndrome, anger, daily routine, and rebuilding sense of self when work has defined it.

Telling spouse and kids, money fights, single parent layoff plans, dual-income coordination, household budget rebuilding.

Still unemployed after 6 months, job search burnout, sabbatical decisions, going back to school, the existential questions of prolonged unemployment.

Layoff recovery specifically for workers 50+ — career change realism, age discrimination signals, Rule of 55, Medicare bridge, retirement timing.

Laid off while pregnant, laid off after maternity leave, FMLA layoff timing — legal rights and recovery planning.

H-1B 60-day grace period countdown, green card application impact, OPT visa expiration, and the layoff playbook for nonimmigrant workers.

Single-parent layoff financial planning, benefits stack (UI + SNAP + Medicaid + CCDF), childcare decisions, telling kids about money.

Specific life-event situations: layoff + pregnancy, layoff + caregiver responsibilities, layoff during medical treatment, layoff in retirement window.

Back to school vs bootcamp, COBRA vs ACA, sabbatical vs job search, contract vs full-time after layoff.