A sample plan

This is what a full plan looks like.

Everything below is a real plan layout built from one person’s answers — a composite, not a real member. As you scroll, the notes in the margin explain why each item is on the list at all.

Why each of these exists

27%1

Of unemployed Americans are actually receiving benefits. The biggest failure isn't people wrongly getting paid — it's people who qualify never filing.

41%2

Cash out their 401(k) when they leave a job. Under 59½, a 10% penalty goes with it.

15%3

More likely a child repeats a grade in the year a parent loses work.

2444

Applications now arrive for the average job opening — more than double 2022. Fewer than 1 in 20 leads to an interview. Applying harder is not the same as applying differently.

3%5

The discount workers took on their homes when a job forced them to move — unless someone was helping them plan it. With relocation help, no measurable discount at all.

34%6

Of people out of work show real psychological distress — against 16% of those working. It's the situation, not the person.

1. U.S. Dept. of Labor, Q1 2026 · 2. Wang, Zhai & Lynch · Marketing Science · 3. Stevens & Schaller · European Economic Review · 4. Greenhouse, 2026 · Ashby, Q1 2026 · 5. Allen, Rutherford & Springer · Journal of Real Estate Research · 6. Paul & Moser · Journal of Vocational Behavior