Checklist #46 · Risk
Layoff Preparedness
Build financial resilience before disruption — and know exactly what to do in the first days after a layoff to protect your finances and accelerate recovery.
19 action items~20 min to complete4 sections
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Before It Happens: Build Resilience
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Maintain 6 months of essential expenses in a liquid emergency fundKey
Keep your professional network and resume current — alwaysAction
Understand your company's severance policy before you need it
Save career accomplishments, work samples, and reference contacts while employedWatch out
Know exactly how much you'd receive if you filed for unemploymentAction
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Day-Of & Week-One Actions',
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Get your severance agreement in writing — review carefully before signingKey
Negotiate your severance — it is often negotiable, especially at management levelsAction
File for unemployment benefits immediately — do not waitKey
Understand how long your health insurance remains active and COBRA timelinesWatch out
Collect all important documents: offer letter, equity agreements, performance reviews
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Protect Cash Flow',
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Build a bare-bones budget: essential expenses onlyKey
Pause non-essential automated subscriptions and servicesAction
Contact landlord or mortgage servicer proactively if needed — ask about hardship optionsWatch out
Avoid tapping retirement accounts except as a true last resortWatch out
Prioritize essential expenses: housing, utilities, food, minimum debt paymentsKey
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Job Search & Recovery',
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Reach out to your professional network within the first weekKey
Update your LinkedIn profile, resume, and portfolio immediatelyAction
Set a daily job search structure: outreach, applications, and skill development
Explore consulting or freelance work to generate income during the searchAction