The first 72 hours

The first days after a job ends feel like everything is urgent. Most of it isn't. Here's the short list that actually is.

Do these now

• File for unemployment. It's free, and benefits generally start from when you file — not from your last day. Don't wait for the severance paperwork.
• Don't sign the severance agreement yet. You're usually given time (often 21 days if you're 40+, by law). Read it, or have someone read it, before you sign a release of claims.
• Save everything. Offer letter, the separation agreement, your last pay stubs, benefits summaries, and any emails about the decision. Forward what you need out of your work account before access is cut.

This week, not this hour

• Health coverage. You have 60 days to elect COBRA, and it's retroactive — so you can wait and only pay if you need it. Also price a marketplace plan; losing job coverage opens a special enrolment window.
• Map your runway. Cash on hand + severance + unemployment against your real monthly spend. That number tells you how much time you actually have.

Can wait

Your 401(k) rollover has no urgent deadline — leaving it where it is for a few weeks is fine. Updating your résumé and LinkedIn matters, but not before you've filed for benefits and read the agreement.

Take a breath. The consequential decisions here have days or weeks attached to them, not hours.