How long are you actually okay? Two numbers tell you.
Laid off, mid-transition, or just wondering — enter your monthly cost and the cash you can reach this week. You'll get your runway in months, the exact dates your free-or-cheap healthcare goes at risk, a month-by-month survival table you can download, and a stress-test slider for what happens if you earn or spend differently. Optional eight-dimension check afterwards. Everything runs in this browser tab.
● runs 100% in this browser tab● your answers never leave your device● disconnect wifi — it still works● no account, no email asked
Honest scope: the money math models the US system specifically — Medicaid-expansion income ceilings (your state decides which), Roth-basis draw order, Social Security at 65. If you're outside the US, the eight-dimension read below still applies fully; treat the finance verdicts as educational, not literal.
The assessment · part 1 takes 30 seconds · part 2 optional
1 · Money ✓
2 · Eight dimensions (8 taps · ~30 sec) ✓
Quick mode — 3 fields
switch to Full to add pension, Roth, Social Security, state
Quick
Full
Everything it costs to live — rent, food, car, utilities, subscriptions. Most people: $1,800–$3,500.
Checking + savings + anything usable this week. Don't include retirement accounts.
Used for two dates that matter: retirement accounts unlock (59½) and Social Security begins (65).
What goes out & what comes in, monthly
Rent/mortgage, food, utilities, car, insurance, subscriptions. Do NOT include payments that will end (child support, loans) — they go below.
If a spouse/partner covers part of household expenses, enter their monthly take-home.
Teachers, government, military — monthly pension amount.
Blank = you already receive it.
FoodShare/SNAP out-of-pocket savings, part-time work, rental income — anything arriving reliably each month.
Child support, car loan, personal loan — fixed monthly payments with a known end date.
Your age when they stop. Blank = assumed by 65.
Money you can actually use right now
Checking, savings, money market, CDs — accessible this week without penalty.
Taxable brokerage — sell anytime, no penalty. Not your 401(k)/IRA.
Only what YOU put in (your basis, not growth) can come out anytime — no tax, no penalty.
If you had a high-deductible plan at work. After 65 it behaves like a normal retirement account.
Locked retirement savings
457(b) plans (government / hospital employers) have NO early-withdrawal penalty at any age.
401(k), 403(b), 457(b), Traditional/Rollover IRA — added up. Conservative number.
Age & future Social Security
Drives both unlock dates: 59½ (penalty-free retirement draws) and 65 (SS + Medicare).
Check ssa.gov — takes 2 minutes and genuinely changes your picture.
Your state (sets the healthcare income ceiling)
Select your state to see your healthcare income ceiling.
Advanced income (optional)
Structured payout bridging the gap before 59½, penalty-free if set up correctly.
SEPP/72(t) must run 5 years OR until 59½ — whichever is later. Blank = auto-calculated.
The healthcare question
Survival briefing · three futures, same math
today
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if extra income lands
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if life gets 25% pricier
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Stress-test · drag and watch
slide right = spend more
a dollar earned here can cost coverage — watch the flag
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Your numbers, packaged for any AI you already use
Copy into ChatGPT/Claude/Gemini so advice lands on your situation. Nothing sends itself anywhere.
Add the eight human dimensions for the full picture →
pick the honest answer — nobody sees this but you
This is a one-sitting self-snapshot taken — a photograph, not a diagnosis. One calibrated question stands behind each dimension number; retake in a few weeks and watch movement instead of worshipping a reading.
Your honest read
Your picture, packaged for any AI you already use
Copy this block into ChatGPT, Claude, Gemini — whichever you already have open. It carries your full context, so the answers you get are about you, not generic transition advice. Your numbers go wherever YOU paste them; this page sends nothing anywhere.
Your raw answers — in full, because hiding them would be weird
How the math works — and where its edges are
Runway = everything drawable without penalty (bank cash + taxable brokerage + Roth basis) ÷ your monthly shortfall (expenses minus reliable income like pensions, bridge income, partner take-home).
Draw order advice follows standard practice: Roth contributions first (zero tax, zero penalty, zero MAGI impact), then taxable, then locked retirement accounts only after 59½ (or via 72(t)/SEPP), because pulling early costs roughly a third of each dollar once penalty plus taxes land.
The healthcare cliff is modeled with these 2026 ceilings (state decides which applies):
Medicaid-expansion states → $22,590/yr Non-expansion states → $15,960/yr ( Wisconsin sits here ) Personal expenses inflate 2.5%/yr in projections
Where it's dumb on purpose: it doesn't track markets,doesn't know your taxes, treats capital gains loosely, and rounds humans to ten-point bands. The verdicts are a starting map, not professional advice — for big moves, talk to a fee-only advisor who knows your state.
The permanent link carries your whole picture encoded inside the URL itself — no account holds it, no server stores it, it cannot be revoked, and nobody (including us) can read it unless you paste it somewhere.