12 AI prompts that build your complete post-layoff financial plan — customized to your state, your savings, your situation. No finance degree required.
Get the Layoff Money Map — $39You're supposed to navigate COBRA, 401k rollovers, unemployment, severance agreements, health insurance, debt payments, and how long your savings will last — all while processing losing your job. The default answers are expensive.
Defaults to ~$1,870/month when the ACA marketplace might cost you $70 after subsidies.
Pulling it early triggers federal income tax, the 10% early-withdrawal penalty, and state tax. A direct rollover avoids all of it.
Non-compete clauses, non-disparagement, and class-action waivers — buried in the agreement you sign in week one.
Without a BATNA, a minimum-acceptable-comp calc, or negotiation scripts, you leave significant comp on the table.
The Layoff Money Map is a sequence of 12 AI prompts you paste into ChatGPT or Claude. Each builds on the one before. You provide your details — state, savings, debts, skills. The AI produces a plan that fits your life, not a generic checklist.
Three scenarios — conservative, moderate, aggressive — with a specific red-line calendar date for each. Sam's output: cash runs out October 20, 2026.
Side-by-side cost comparison with real subsidy estimates, state-specific Medicaid flags, and the wait-and-see strategy. Sam saves $21,600/year.
Collects your complete financial picture into one structured summary the next 11 prompts can reference.
Three scenarios with exact red-line calendar dates. Know when cash actually runs out.
Line-by-line audit producing a "lean burn" budget you can actually live with.
Side-by-side cost comparison with ACA subsidy estimates and state Medicaid flags.
Leave / roll to IRA / roll to new 401k — with tax math for each path.
State-specific filing instructions, benefit estimate, and the disqualifier list.
Red-flag clause checklist (non-compete, class action waiver) + negotiation scripts.
Priority matrix + exact hardship call scripts for each creditor.
All six coverage paths: COBRA, ACA, Medicaid, CHIP, spouse's plan, short-term.
Skill-to-gig matching with a "get cash in 7 days" action plan.
Everything from Prompts 1–10 synthesized into a day-by-day checklist.
BATNA analysis, minimum-acceptable-comp calc, and negotiation scripts.
Every prompt in the Map includes a complete worked example following one person through the full sequence — so you can see exactly what the output looks like before you run it on your own numbers.
Sam runs Prompt 02 and learns his cash runs out October 20, 2026 — 5.3 months from today. Not "soon." A date.
He runs Prompt 04 and switches from COBRA to an ACA Silver plan + CHIP for his daughter. $74/month family premium vs. $1,870 on COBRA.
He runs Prompt 11 and gets a 30-day calendar telling him exactly what to do each morning — file Texas unemployment by day 3, request severance redlines by day 5, launch a freelance proposal by day 14.
Each with an inputs guide, the full prompt text, expected output description, and the worked example following Sam.
Cover page, table of contents, full disclaimer, all 12 prompts cleanly formatted for reading or printing.
Import-ready workspace with status trackers for each prompt, a fill-in variables table, and a 30-day checklist.
Every prompt involving state law (unemployment, COBRA, non-compete, Medicaid) instructs the AI to look up your state's rules at runtime. California ≠ Texas.
No paid AI subscription required. Free tiers handle all 12 prompts.
One-time purchase. Run them now for this layoff. Run them again if your situation changes in two years.
The Layoff Money Map was built in May 2026, during the layoff cycle. Every prompt answers a question that gets asked thousands of times per month — by real people, in real subreddits, with real money on the line.
$39 one-time. Instant download. Start with Prompt #1 and you'll have a complete financial picture in 15 minutes.
Get the Layoff Money Map — $39