LF
Layoff Financial Triage
🔵 Stable🕐 updated 2026-07-17
🔷 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.
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 pm-claude-skills-mcpRelated 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 599 open-source professional AI agent skills — all SkillSpec L3.
Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog