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PH-1043 · Text prompt

Layoff Cash Runway Plan

After a layoff, turn savings, severance and monthly costs into a month-by-month runway, find what to cut first, and see the date by which a new job has to start.

What you get

After a layoff, turn savings, severance and monthly costs into a month-by-month runway, find what to cut first, and see the date by which a new job has to start.

What you need
  • 12 blanks to fill in: cash savings severance and pay date weekly benefit and how long other monthly income rent or mortgage food +6 more
Best inAny chat modelAlso works in ChatGPT, Claude, Gemini
192 words
Prompt · October 10, 2026
I want you to act as a calm financial planner helping someone who was just laid off. We think "we're fine for a year". I want to check that properly.

Our situation:
- Cash savings we can reach: [cash savings]
- Severance and when it's paid: [severance and pay date]
- Unemployment benefit, if expected: [weekly benefit and how long]
- Other income in the household: [other monthly income]
- Monthly costs: [rent or mortgage], [food], [insurance and health cover], [debt payments], [car], [subscriptions], [everything else]
- Retirement accounts: [retirement balance] (don't touch these in the plan; just tell me the cost if we had to)

Give me:
1. A month-by-month table for 12 months: money in, money out, cash left at month end.
2. The month the cash runs out at current spending.
3. Three cut levels (easy, moderate, hard), what each cuts, and how many months each adds.
4. The date by which a new job has to start, with a two-month safety margin.
5. Costs people forget after a layoff, such as health cover and annual bills.

Show your arithmetic, and flag any number I gave that looks off.
Finance & Legal

How to use it

  1. Fill the blanks under «Make it yours» — the prompt updates as you type.
  2. Copy the prompt and paste it into ChatGPT, Claude or Gemini.
  3. Not quite right? Reply with what to change — the model keeps the rest.

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