Meta cut ~8,000 jobs on May 20. The 72-hour window that follows determines whether you lose $50K+ to missed deadlines or keep every dollar you're owed. This is the framework.
No credit card. No account. 48-hour money-back guarantee on the $99 full plan.
California: EDD (edd.ca.gov) — the primary portal for Meta HQ employees.
Washington: ESD (esd.wa.gov) for WA-based employees.
Every day you delay is $200–$500 gone. California has a one-week waiting period that starts from your application date — not your last day.
Meta's standard US severance includes roughly 16 weeks base (varies by tenure and role) plus accelerated vesting in many cases. Before you sign:
— Check the RSU vesting acceleration clause
— Understand what the non-disparagement covers
— Know the 21-day review window (you don't have to sign day one)
Your COBRA election window opened the moment you received notification. You have 60 days to decide — but coverage is retroactive to your last day if you enroll in time.
ACA marketplace (healthcare.gov) opens a 60-day special enrollment window simultaneously. Compare both before the deadline — not after.
Housing first. Utilities second. Credit cards third — they're the most flexible. Do not pay credit cards before rent because the minimums feel manageable. Mortgage or rent foreclosure/eviction has a 30–90 day lag; credit cards don't knock on your door that fast.
Mortgage servicers, auto lenders, and credit card issuers all have documented hardship programs. They are not advertised. You have to call and use specific language. Forbearance, deferral, and reduced-rate programs are available — they don't get offered, they get requested.
Unemployment income + severance payout math + mandatory expenses = actual runway. This is the number that drives every subsequent decision: when to accept an offer, when to negotiate, when to cut. Most people skip this and operate on anxiety instead of data.
The free triage gives you the framework. The $99 plan is built around your exact bills, your severance date, your state, and generates the action calendar for your situation.
Hour-by-hour timeline built around your actual deadlines — not a generic checklist.
Exact language for mortgage servicers, auto lenders, credit cards, utilities, student loans. What to say, what to ask for.
Direct links to CA EDD and WA ESD. Documents to gather before you call. Common mistakes that reset your waiting period.
The actual cost comparison for your situation — not a generic breakdown. Deadlines you cannot miss.
Housing first. Then utilities. Then everything else. Grace periods, negotiability, and when each escalates.
What to read before you sign. Clauses that give up more than you realize. Questions to ask HR before the window closes.
No credit card to start. 48-hour money-back guarantee on the paid plan.
The answers matter more when the stakes are this high.
Meta typically gives 21+ days to review. Do not sign on your last day. If you're 40 or older, the Older Workers Benefit Protection Act gives you at least 45 days for age-related waivers. Consider an employment attorney review, especially if the agreement includes a non-compete or a non-disparagement clause that goes beyond what is standard.
Unvested RSUs are forfeited upon termination unless your agreement specifies otherwise. Check your equity grant agreement for acceleration provisions — some Meta employees have acceleration clauses triggered by layoffs. Review before you sign any release. The difference between checking your vest schedule before vs. after signing can be worth tens of thousands of dollars.
One missed unemployment filing week: $400–$800. One missed COBRA window: thousands in uncovered medical costs. One severance clause you didn't read: potentially tens of thousands. The $99 isn't a purchase you make out of abundance — it's the cheapest line item in a week where every wrong move compounds. If it doesn't pay for itself in the first 48 hours, email us. Full refund.
No. Runway72 is a playbook and a set of scripts — you execute. We tell you what order to call creditors, what to say when you get them on the phone, and what deadlines you cannot miss. We don't give personalized investment advice, legal counsel, or tax guidance. We tell you when you need someone who does. We're faster than a financial advisor, available now, and you don't need an appointment.
48 hours, no questions. Email us at support@runway72.polsia.app within 48 hours of purchase and we'll refund you in full. We'd rather refund someone who didn't find it useful than keep $99 from a person already under financial stress.
Every day you delay costs real money. Unemployment, COBRA, severance — these windows don't wait. Start now.
Free to start. $99 for the full personalized plan.