Financial Collapse & Purpose

Purpose / Reason
When panic hits, take 5 deep, slow breaths. Ground yourself.
Answer to: “How do I deal with the initial shock of financial collapse?”

How to Apply

1. Exhale fully; inhale through your nose for ~4 counts.
2. Hold 1–2 counts; exhale ~6–8 counts.
3. Repeat 5 cycles while labeling sensations (feet, seat, breath).
4. Name the next smallest action you can do safely.

How & Why It Works

• Slower exhalations engage the parasympathetic system, lowering arousal so you can think clearly.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Acknowledge the situation without judgment. This is a temporary state, not your identity.
Answer to: “How do I deal with the initial shock of financial collapse?”

How to Apply

1. Write 3 facts (no judgments) about your money situation.
2. Write 1 fear thought and 1 alternative thought backed by evidence.
3. Circle 1 action that changes cash today or this week.
4. Do it now; log how it felt and what happened.

How & Why It Works

• Externalizing facts reduces cognitive load and catastrophizing; it makes decisions simpler.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Prioritize securing food, shelter, and safety. Everything else comes after.
Answer to: “How do I deal with the initial shock of financial collapse?”

How to Apply

1. List housing, utilities, food/meds, transport, work tools.
2. Allocate today’s dollars to these in that order.
3. Pause all non‑essentials (subscriptions, extras) for 30 days.
4. Schedule calls for relief plans (rent, utilities, lenders).

How & Why It Works

• Triage and envelope budgeting put dollars where they matter most and stop leakage.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
List all debts, interest rates, and minimum payments. Knowledge reduces fear.
Answer to: “How do I manage overwhelming financial stress?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Create a bare-bones budget. Track every dollar in and out.
Answer to: “How do I manage overwhelming financial stress?”

How to Apply

1. Pull last 30–60 days of statements.
2. Highlight non‑essentials and cancel/hibernation today.
3. Set envelopes for essentials; move funds now.
4. Book a 7‑day review to reallocate and cut 10% more.

How & Why It Works

• Triage and envelope budgeting put dollars where they matter most and stop leakage.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Pay off the smallest debt first to build momentum and confidence.
Answer to: “How do I manage overwhelming financial stress?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Talk to one trusted person about your situation. Shame thrives in secrecy.
Answer to: “How do I overcome shame and embarrassment about my financial situation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
"This is a challenge, not a reflection of my worth."
Answer to: “How do I overcome shame and embarrassment about my financial situation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
View this as an opportunity to learn, grow, and inspire others with your comeback story.
Answer to: “How do I overcome shame and embarrassment about my financial situation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
List all your transferable skills, even seemingly unrelated ones.
Answer to: “How do I find a job quickly after financial collapse?”

How to Apply

1. List 5 concrete wins (problem→action→result).
2. Update resume/profile with 2 quantified wins.
3. Apply to 5 roles OR pitch 5 gigs daily for 10 days.
4. Ask 2 contacts for referrals; schedule one call.

How & Why It Works

• Externalizing facts reduces cognitive load and catastrophizing; it makes decisions simpler.
• High‑volume, proof‑of‑work outreach increases callbacks and shortens unemployment.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Reach out to every contact. Let them know you're looking.
Answer to: “How do I find a job quickly after financial collapse?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Apply to many jobs. Don't wait for the "perfect" fit. Get momentum.
Answer to: “How do I find a job quickly after financial collapse?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Answer calls. Be polite but firm. State your current situation.
Answer to: “How do I deal with creditors and debt collectors?”

How to Apply

1. Choose a 15‑minute window; phones away.
2. Use the script: “Here’s the situation, here’s the plan, here’s what I need.”
3. Agree on 1–2 actions each; write them on a visible list.
4. Review in 7 days; appreciate effort before editing.

How & Why It Works

• Clear roles and commitments reduce conflict and align action at home.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
If harassment occurs, send a formal letter demanding they stop.
Answer to: “How do I deal with creditors and debt collectors?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Offer a payment plan you can realistically stick to, or negotiate a settlement.
Answer to: “How do I deal with creditors and debt collectors?”

How to Apply

1. List facts: income change, balance, payment history.
2. Call during business hours; read your ask calmly.
3. Request hardship options (plan/deferral/waiver).
4. Get written confirmation; diarize the follow‑up date.

How & Why It Works

• Scripted negotiation and documentation increase approval odds and reduce fees/penalties.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Get a secured credit card and make small, consistent payments.
Answer to: “How do I rebuild my credit score?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Ensure all remaining bills are paid on time, every time.
Answer to: “How do I rebuild my credit score?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Rebuilding credit takes time. Consistency is key.
Answer to: “How do I rebuild my credit score?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
What truly matters to you, beyond money? Write it down.
Answer to: “How do I find purpose when everything feels lost?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
How can you help others, even in a small way? Service creates purpose.
Answer to: “How do I find purpose when everything feels lost?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Imagine your life 10 years from now. What impact do you want to have made?
Answer to: “How do I find purpose when everything feels lost?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Acknowledge and celebrate every small financial victory.
Answer to: “How do I stay motivated during a long financial recovery?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Create a visual reminder of your financial goals and desired future.
Answer to: “How do I stay motivated during a long financial recovery?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Share your goals with someone who will support and encourage you.
Answer to: “How do I stay motivated during a long financial recovery?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Identify the core emotion (fear, anger, sadness). Name it.
Answer to: “How do I deal with the emotional toll of financial ruin?”

How to Apply

1. Note time/place of stress spikes for 3 days.
2. Score intensity (0–10); note trigger and body cue.
3. Add one counter‑move (walk, call, breath) next to each.
4. Run one counter‑move daily; review patterns weekly.

How & Why It Works

• Externalizing facts reduces cognitive load and catastrophizing; it makes decisions simpler.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Find healthy outlets: exercise, journaling, talking to a therapist.
Answer to: “How do I deal with the emotional toll of financial ruin?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Prioritize basic self-care (sleep, nutrition, movement) even when stressed.
Answer to: “How do I deal with the emotional toll of financial ruin?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Honestly assess what went wrong without self-blame.
Answer to: “How do I avoid repeating past financial mistakes?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Learn about personal finance, investing, and debt management.
Answer to: “How do I avoid repeating past financial mistakes?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Implement new financial habits immediately and consistently.
Answer to: “How do I avoid repeating past financial mistakes?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Research local housing assistance programs and shelters.
Answer to: “How do I find affordable housing after financial collapse?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Consider shared living arrangements to reduce costs.
Answer to: “How do I find affordable housing after financial collapse?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Focus on a temporary, safe solution while you rebuild.
Answer to: “How do I find affordable housing after financial collapse?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Maintain a consistent daily routine for stability.
Answer to: “How do I manage my mental health during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Engage in regular physical activity to boost mood.
Answer to: “How do I manage my mental health during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Stay connected with supportive friends and family.
Answer to: “How do I manage my mental health during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Limit conversations about finances with unsupportive individuals.
Answer to: “How do I deal with friends and family who judge my financial situation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Choose who you confide in carefully.
Answer to: “How do I deal with friends and family who judge my financial situation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Remind yourself that your worth is not tied to your net worth.
Answer to: “How do I deal with friends and family who judge my financial situation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Start with tiny amounts, even $1 a day. Build the habit.
Answer to: “How do I start saving again with limited income?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Set up automatic transfers to a savings account, even if small.
Answer to: “How do I start saving again with limited income?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Save any unexpected income (bonuses, refunds).
Answer to: “How do I start saving again with limited income?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Seek advice from a qualified bankruptcy attorney or legal aid.
Answer to: “How do I deal with legal issues related to financial collapse (bankruptcy, lawsuits)?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Keep meticulous records of all financial and legal documents.
Answer to: “How do I deal with legal issues related to financial collapse (bankruptcy, lawsuits)?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Follow all legal advice and court orders precisely.
Answer to: “How do I deal with legal issues related to financial collapse (bankruptcy, lawsuits)?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Look for individuals who have successfully navigated similar challenges.
Answer to: “How do I find a mentor for financial recovery?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Join forums or groups focused on financial recovery.
Answer to: “How do I find a mentor for financial recovery?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Read books, listen to podcasts from financial experts.
Answer to: “How do I find a mentor for financial recovery?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Prioritize building a small emergency fund for peace of mind.
Answer to: “How do I deal with the fear of future financial instability?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Explore multiple income streams to reduce reliance on one.
Answer to: “How do I deal with the fear of future financial instability?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Learn about financial planning and risk management.
Answer to: “How do I deal with the fear of future financial instability?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Daily, list 3-5 things you are grateful for, even small ones.
Answer to: “How do I maintain hope during financial adversity?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Regularly visualize your desired financial future.
Answer to: “How do I maintain hope during financial adversity?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Consume content (books, stories) about people who overcame similar challenges.
Answer to: “How do I maintain hope during financial adversity?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Remind yourself of your financial goals and the pain of past mistakes.
Answer to: “How do I deal with temptations to overspend or take on new debt?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Stick strictly to your budget.
Answer to: “How do I deal with temptations to overspend or take on new debt?”

How to Apply

1. Pull last 30–60 days of statements.
2. Highlight non‑essentials and cancel/hibernation today.
3. Set envelopes for essentials; move funds now.
4. Book a 7‑day review to reallocate and cut 10% more.

How & Why It Works

• Triage and envelope budgeting put dollars where they matter most and stop leakage.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Share your financial goals with a trusted person who can hold you accountable.
Answer to: “How do I deal with temptations to overspend or take on new debt?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Research local free or low-cost clinics.
Answer to: “How do I find affordable healthcare during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Explore eligibility for state or federal healthcare assistance.
Answer to: “How do I find affordable healthcare during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Don't hesitate to negotiate payment plans with providers.
Answer to: “How do I find affordable healthcare during financial hardship?”

How to Apply

1. List facts: income change, balance, payment history.
2. Call during business hours; read your ask calmly.
3. Request hardship options (plan/deferral/waiver).
4. Get written confirmation; diarize the follow‑up date.

How & Why It Works

• Scripted negotiation and documentation increase approval odds and reduce fees/penalties.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Practice detaching from material possessions. Your worth is not in your things.
Answer to: “How do I deal with the loss of assets or possessions?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Prioritize experiences and relationships over material wealth.
Answer to: “How do I deal with the loss of assets or possessions?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
What was lost can be rebuilt, or something new and better can emerge.
Answer to: “How do I deal with the loss of assets or possessions?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Utilize local food banks and community pantries.
Answer to: “How do I find affordable food during financial hardship?”

How to Apply

1. List 5 cheap meals (beans/rice, oats, eggs, frozen veg).
2. Make a 7‑day list from those; price it before shopping.
3. Batch cook 2 base meals; portion and freeze.
4. Schedule a weekly 30‑minute prep block.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Plan meals around inexpensive, nutritious ingredients.
Answer to: “How do I find affordable food during financial hardship?”

How to Apply

1. List 5 cheap meals (beans/rice, oats, eggs, frozen veg).
2. Make a 7‑day list from those; price it before shopping.
3. Batch cook 2 base meals; portion and freeze.
4. Schedule a weekly 30‑minute prep block.

How & Why It Works

• Triage and envelope budgeting put dollars where they matter most and stop leakage.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Buy staples in bulk when possible.
Answer to: “How do I find affordable food during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Be honest with loved ones about your situation and feelings.
Answer to: “How do I manage relationships affected by financial stress?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Clear roles and commitments reduce conflict and align action at home.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
If in a partnership, work together as a team to tackle the financial challenges.
Answer to: “How do I manage relationships affected by financial stress?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Set boundaries with those who are unsupportive or add to your stress.
Answer to: “How do I manage relationships affected by financial stress?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Utilize buses, trains, or carpooling.
Answer to: “How do I find affordable transportation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Consider walking or biking for short distances.
Answer to: “How do I find affordable transportation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
If you have a car, prioritize essential maintenance to avoid costly breakdowns.
Answer to: “How do I find affordable transportation?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Failure is feedback. It's a stepping stone, not a tombstone.
Answer to: “How do I deal with the feeling of failure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Treat yourself with kindness. Everyone faces setbacks.
Answer to: “How do I deal with the feeling of failure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
What lessons can you extract from this experience?
Answer to: “How do I deal with the feeling of failure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Research local mental health organizations and crisis lines.
Answer to: “How do I find free or low-cost mental health support?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Look for therapists who offer sliding scale fees.
Answer to: “How do I find free or low-cost mental health support?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Join free support groups for financial stress or general mental well-being.
Answer to: “How do I find free or low-cost mental health support?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Allow yourself to grieve the loss of your efforts and dreams.
Answer to: “How do I deal with the loss of a business or investment?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Analyze what went wrong to learn for future ventures.
Answer to: “How do I deal with the loss of a business or investment?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Identify new opportunities or directions for your skills and passion.
Answer to: “How do I deal with the loss of a business or investment?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Expect rejections. They are part of the process, not personal.
Answer to: “How do I manage my emotions during job searching?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Celebrate every application, interview, or networking connection.
Answer to: “How do I manage my emotions during job searching?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Prioritize rest and stress-reducing activities to avoid burnout.
Answer to: “How do I manage my emotions during job searching?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Utilize free online courses (Coursera, edX, Khan Academy).
Answer to: “How do I find affordable education or skill training?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Explore affordable programs at local community colleges.
Answer to: “How do I find affordable education or skill training?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Look into apprenticeships for on-the-job training.
Answer to: “How do I find affordable education or skill training?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Consult with a bankruptcy attorney to understand your options.
Answer to: “How do I deal with bankruptcy?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Gather all necessary financial documents.
Answer to: “How do I deal with bankruptcy?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
View bankruptcy as a legal tool for a fresh start, not a moral failing.
Answer to: “How do I deal with bankruptcy?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Establish clear, non-negotiable financial boundaries.
Answer to: “How do I rebuild trust after financial betrayal?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Demand full financial transparency from those involved.
Answer to: “How do I rebuild trust after financial betrayal?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Consider couples counseling or individual therapy if betrayal occurred in a relationship.
Answer to: “How do I rebuild trust after financial betrayal?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Share your story to inspire and guide others facing similar challenges.
Answer to: “How do I find purpose in helping others through my experience?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Offer to mentor someone who is just starting their financial recovery journey.
Answer to: “How do I find purpose in helping others through my experience?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Advocate for policies or resources that support those in financial distress.
Answer to: “How do I find purpose in helping others through my experience?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Redefine success based on internal values, not external markers.
Answer to: “How do I deal with the loss of social status or identity?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Seek out relationships based on genuine connection, not status.
Answer to: “How do I deal with the loss of social status or identity?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Focus on building inner resilience and self-worth.
Answer to: “How do I deal with the loss of social status or identity?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Identify specific triggers and develop coping strategies for each.
Answer to: “How do I manage stress from constant financial pressure?”

How to Apply

1. Note time/place of stress spikes for 3 days.
2. Score intensity (0–10); note trigger and body cue.
3. Add one counter‑move (walk, call, breath) next to each.
4. Run one counter‑move daily; review patterns weekly.

How & Why It Works

• Externalizing facts reduces cognitive load and catastrophizing; it makes decisions simpler.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Take frequent, short breaks to decompress throughout the day.
Answer to: “How do I manage stress from constant financial pressure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Practice mindfulness to stay grounded and reduce rumination.
Answer to: “How do I manage stress from constant financial pressure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Research non-profit legal aid organizations in your area.
Answer to: “How do I find affordable legal aid?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Inquire about pro bono services from law firms.
Answer to: “How do I find affordable legal aid?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Many law schools offer free or low-cost legal clinics.
Answer to: “How do I find affordable legal aid?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Choose a debt repayment strategy and stick to it.
Answer to: “How do I deal with the feeling of being overwhelmed by debt?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Make consistent, even small, payments to maintain momentum.
Answer to: “How do I deal with the feeling of being overwhelmed by debt?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Consider credit counseling or debt management plans.
Answer to: “How do I deal with the feeling of being overwhelmed by debt?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Research state and federal childcare assistance programs.
Answer to: “How do I find affordable childcare during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Lean on trusted family and friends for temporary help.
Answer to: “How do I find affordable childcare during financial hardship?”

How to Apply

1. Choose a 15‑minute window; phones away.
2. Use the script: “Here’s the situation, here’s the plan, here’s what I need.”
3. Agree on 1–2 actions each; write them on a visible list.
4. Review in 7 days; appreciate effort before editing.

How & Why It Works

• Clear roles and commitments reduce conflict and align action at home.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Explore bartering services with other parents.
Answer to: “How do I find affordable childcare during financial hardship?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Allow yourself to grieve the loss of your home and stability.
Answer to: “How do I deal with the loss of a home due to foreclosure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Seek legal advice regarding foreclosure processes and tenant rights.
Answer to: “How do I deal with the loss of a home due to foreclosure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Shift your energy to securing new, safe housing.
Answer to: “How do I deal with the loss of a home due to foreclosure?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Reach out to professionals for advice and insights.
Answer to: “How do I rebuild my professional network after a career setback?”

How to Apply

1. List 5 concrete wins (problem→action→result).
2. Update resume/profile with 2 quantified wins.
3. Apply to 5 roles OR pitch 5 gigs daily for 10 days.
4. Ask 2 contacts for referrals; schedule one call.

How & Why It Works

• High‑volume, proof‑of‑work outreach increases callbacks and shortens unemployment.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Utilize LinkedIn and other professional networking sites.
Answer to: “How do I rebuild my professional network after a career setback?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Attend virtual or in-person industry events to connect.
Answer to: “How do I rebuild my professional network after a career setback?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Look back at past challenges you've overcome.
Answer to: “How do I manage the fear of never recovering financially?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Focus on taking one small, positive financial step each day.
Answer to: “How do I manage the fear of never recovering financially?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity

Purpose / Reason
Remind yourself that recovery is a marathon, not a sprint.
Answer to: “How do I manage the fear of never recovering financially?”

How to Apply

1. Define the constraint (cash/time/risk) in one sentence.
2. List 3 smallest controllable actions (≤15 min each).
3. Do one right now; schedule the rest within 48 hours.
4. Review in 7 days; keep/cut/change one step.

How & Why It Works

• Tiny, repeatable actions compound into stability and a sense of control.

Results & Goals

• Immediate (0–72h): Panic down, priorities clear; essential bills triaged and first calls made.
• Short‑term (1–4 weeks): Cash leakage reduced, payment relief in place, income applications in flight.
• Medium‑term (1–3 months): Credit damage contained, basic needs stable, measurable savings/income uptick.

Citations / References

• CFPB — Dealing with debt & collectors
• FTC — Identity theft recovery
• Dept. of Labor — Unemployment & job seeker help
• IRS — Free File & payment plans
• FDIC — Safe banking & avoiding fees
• Mullainathan & Shafir — Scarcity