May 13, 2025
Whether you saw it coming or it was a total shock, getting laid off can flip your world upside down. But a layoff doesn’t have to derail your financial future—or your confidence.
In this episode, Certified Financial Planner® Chloe Moore joins Lauryn Williams to break down how to navigate a layoff with clarity and control. From negotiating severance and protecting your credit to preparing emotionally and financially for what’s next, they offer practical, empowering advice for anyone facing—or worried about—a job loss.
If you're in the middle of a career transition or want to be ready just in case, this episode will help you move forward with peace of mind.
Key Takeaways
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What to do first when you receive a layoff notice
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How severance, PTO, and unemployment benefits really work
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Budgeting tips to help you stretch your runway
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Why you shouldn’t rush to roll over your 401(k)
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How to protect your credit and manage debt during a layoff
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What to know about healthcare and life insurance after leaving a job
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Side hustles, consulting, and selling items: how to bridge the gap
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Emotional strategies for staying grounded during uncertainty
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Steps to take now if you're worried a layoff might be coming
Links & Resources Mentioned
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Healthcare.gov – Explore COBRA alternatives and check for subsidies
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Know Better, Do Better Series: Types of Equity Compensation Part 1: RSU
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Know Better, Do Better Series: Equity Compensation Part 2: Understanding ISOs and NQSOs
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Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner
Money Quote:
“Some changes look negative on the surface, but you will soon realize that space is being created in your life for something new to emerge.” — Eckhart Tolle