Preparing Resilience for Job Loss

Executive summary

Job loss is the most common resilience test. Most households survive it; the difference between recovery and damage is pre-positioning.

• Maintain 9 months emergency reserves
• Document COBRA + ACA fallback path
• Pre-establish HELOC while employed

Key takeaways

• Maintain 9 months emergency reserves
• Document COBRA + ACA fallback path
• Pre-establish HELOC while employed
• Keep network active before it's needed

Key strategies

1. Strategy 1

   Maintain 9 months emergency reserves

2. Strategy 2

   Document COBRA + ACA fallback path

3. Strategy 3

   Pre-establish HELOC while employed

4. Strategy 4

   Keep network active before it's needed

Pro-tips checklist

• Cut to 70% burn within week one
• Defer non-essential renewals during the gap

FAQ