Disruption Checklists
What needs attention first?
Ten checklists for the disruptions that arrive without sirens: job loss, rent trouble, a death in the family, a medical crisis, a shutoff notice. If you're here, you may be in the middle of one right now. Each one is a step-by-step protocol, not a lecture.
All Ten
Find the one you need right now.
Each checklist covers the first 24 hours, the first 72 hours, the first 30 days, and what else this crisis could break next.
Job Loss
File for unemployment the same day. The financial protocol for the first 30 days.
Available nowRent or Mortgage Trouble
Contact the person you owe before you miss the payment, not after.
Available nowFeeding the Household
Use what you have. Find what is available. Food banks, SNAP, and WIC.
Available nowDeath of a Spouse
Only what truly cannot wait. A gentle, practical protocol.
Available nowMedical Crisis
What actually needs to happen now. FMLA, bills, and financial assistance.
Available nowDivorce and Custody
The immediate steps, and the plan that comes after.
Available nowWhen the Car Dies
Solve tomorrow first, then decide repair, replace, or go without.
Available nowUtility Shutoff
Call the utility today. Most will work with you before or after a shutoff.
Available nowCaregiving Shock
Stabilize the immediate situation, then build something sustainable.
Available nowDisplacement
Find tonight's shelter, then build toward stable housing.
Available nowMy Readiness
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Read the full guide for your situation
Each checklist has a companion guide with full detail, decision points, and resources specific to your household.
Browse the Disruptions guides