If I Lose My Job, What Happens?

Most people don’t fail immediately. They fail when runway runs out. Stress testing shows the timeline.

Model Job Loss

The timeline most people underestimate

Month 1–2: Savings mask the problem
Month 3–5: Stress and forced decisions
Month 6+: Defaults and damage accelerate

What actually keeps you safe

Cash runway
Low fixed obligations
Early action

How to prepare before it happens

Stress test income loss.
Identify the burn rate.
Build runway above panic threshold.

Use the Mortgage Stress Test Tool to see how long you’d last under income loss.