It's late. The agreement is on the table. You have 21 calendar days to review it — but you don't know if it's negotiable, what you're waiving, or what to do about COBRA, the 401(k), or the cash-flow gap. Most money lost in a layoff is lost in the first three days, before the person who received the offer understood what was in it.

WHAT THIS IS

A 53-page, decision-by-decision playbook for laid-off W-2 professionals. Specific, regulation-citing, dollar-quantified. Not motivational. The decision sequence, in order.

WHAT'S INSIDE

• 53-page decision playbook (severance, COBRA, 401(k), UI, taxes, cash flow)

• 5 negotiation email templates — edit and send

• 60-Day Cash Flow Tracker (Excel) — net-of-tax, color-coded runway

• COBRA vs. Marketplace Calculator (Excel) — 2026 MAGI-adjusted

• 12 Mistakes Quick-Reference Card (1-page PDF)

WHAT YOU WALK AWAY WITH

A documented negotiation position. The gap between a first offer and a prepared counter runs $5,000–$25,000. A healthcare decision made before the 60-day COBRA window closes — with the cost comparison calculated. A week-by-week cash model with your actual numbers.

PRICING

$39 one-time. All 5 files delivered immediately. 7-day no-questions refund.

THE DEADLINES ARE REAL

COBRA election: 60 days from termination. OWBPA review: 21 days (individual) or 45 days (group layoff). These are statutory deadlines, not scarcity timers.