Job Loss / Income Shock
Create a calm 90-day plan before making irreversible long-term moves.
First 90 days
Stabilize obligations and preserve flexibility.
- Triage essential obligations first
- Set cash runway milestones by month
- Delay irreversible commitments until baseline stabilizes
Recovery path
Sequence recovery decisions with explicit checkpoints.
- Re-evaluate income assumptions every 30 days
- Protect against panic-driven all-or-nothing choices
- Document tradeoffs before each allocation change
Educational planning content only. Not individualized investment, tax, or legal advice.