What do I need to use Layoff Financial Triage?

Cash and near-cash; Monthly spend; The exit terms; Household; Jurisdiction.

Is Layoff Financial Triage free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Layoff Financial Triage

Q: How do I know the Layoff Financial Triage output is good?

The skill verifies itself against its own quality checks: The runway number leads, computed both pre- and post-triage; Unemployment filing appears in the first two days of the checklist; Equity exercise windows are surfaced and bolded if present; Every triage verdict shows its monthly recovery; the total is stated.

🔵 Stable🕐 updated 2026-10-06 🔷 SkillSpec L3 pm-layoff

The first-72-hours money plan after a layoff — runway computed, deadlines caught, bleeding stopped, in priority order. Use when asked I just got laid off what do I do about money, build my layoff budget, how long can I last, or what needs to happen this week. Produces the runway number, the deadline list (healthcare, unemployment filing, equity exercise windows), the spending triage, and a one-week action checklist.

▶ Run it free — no key needed 📝 Grade your existing draft ⬇ Add to Claude (works in Duet) 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“I just got laid off what do I do about money.”“Build my layoff budget.”“How long can I last?”“What needs to happen this week?”

What to give it

▸Cash and near-cash — checking, savings, anything liquid (not retirement)

▸Monthly spend — rough is fine; the triage refines it

▸The exit terms — final pay date, severance if any, healthcare end date, unvested/vested equity and its exercise window

▸Household — partner income, dependents, anything on employer benefits (insurance, phone, disability)

▸Jurisdiction — unemployment rules and timelines vary; never guess

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓The runway number leads, computed both pre- and post-triage

✓Unemployment filing appears in the first two days of the checklist

✓Equity exercise windows are surfaced and bolded if present

✓Every triage verdict shows its monthly recovery; the total is stated

✓Retirement-raiding appears only in the do-not list with its true cost

⚠️ What it refuses to do

Do not open with reassurance — open with the number; calm comes from arithmetic

Do not let shame delay the unemployment filing — it's an insurance claim on premiums already paid

Do not cut health insurance to extend runway — one ER visit undoes years; it's in Keep

Do not build the plan on a hoped-for job date — runway assumes zero income until real income exists

Do not moralize about past spending — triage looks forward only

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="layoff-financial-triage"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Layoff Financial Triage is one of 1326 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog