정리해고에 대비하기: 재무 및 네트워킹 전략

### 정리해고에 대비하기: 재무 회복탄력성을 위한 전략
* 😟 카를로스는 자신과 파트너가 모두 근무하는 회사에서 **해고 가능성이 있는 어려운 상황**에 직면해 있어 대비책이 필요했습니다.
* 💼 해고의 불확실성으로 인해 직업 전환 기간 동안 재정적 안정을 보장하기 위해 **6개월간의 생활비를 충당할 수 있는 더 큰 규모의 비상 준비금**을 유지하는 것이 중요합니다.
* 🔍 새로운 일자리를 얼마나 빨리 찾을 수 있는지 평가하는 것은 **잠재적 실업에 대비하는 데 필요한 현금의 양**에 영향을 미치기 때문에 필수적입니다.
* 💰 매월 투자를 검토하고 현금 보유량을 늘려 **해고 시 절박한 재정적 결정을 내릴 위험을 줄이고 유연성을 확보**하는 것이 좋습니다.
* 🛠 불필요한 비용을 줄임으로써 생활비를 긴축하면 **예산이 더 여유로워져 미래의 재산 형성 노력에 타협하지 않고도 어려운 재정적 시기를 견뎌낼 수 있습니다.**
* 🤝 전문가 네트워크와 다시 연결하면 **지금 구축한 관계가 향후 취업 제안이나 지원**으로 이어질 수 있으므로 귀중한 기회와 자원을 얻을 수 있습니다.
* 📄 이력서를 미리 준비하고 구직 전략을 고려하면 **해고 시 스트레스를 완화**하여 보다 원활하고 관리하기 쉬운 이직이 될 수 있습니다.
* ⏳ 궁극적으로 잠재적인 충격에 대비하는 것도 중요하지만, 안정이 회복되면 **좋은 재정 습관**을 유지하고 **부의 창출에 집중**하는 것도 재개해야 합니다.

카를로스는 비상 저축을 늘리고 전문가 네트워크와 다시 연결하여 해고에 대비해야 합니다.

[Music] All right, next up, we've got a question from Carlos. And we got to meet him on the Money Guide tour. So, hi, good to see you. Hey, Carlos, good to hear from you again. He says, Hi, Money Guy family. My company has announced layoffs again, and this time it's going to be more detrimental. My partner and I both work for this company. How should I prepare? Oh man, I know. We're sorry to hear that too, but it sounds like there's a lot up in the air. So, what would you think? And I mean, this is not a unique situation either. So, what would you guys say to this? Yeah, Carlos, a lot of folks have been faced with over the past couple of years, large reductions in force to like big organizations. You know, obviously, the tech industry is a really clear example of where that's happened. And what's really, really difficult about layoffs or reductions is you never know like, okay, where's that stopping line going to be? Am I going to

be the person who's like just on the safe side or am I be the one that's in this tranch of layoffs or if I do survive this one what is the next one. One of the things that we always tell people uh that it makes sense to do is whenever your like your job situation your vocational circumstance is uncertain. We always want to air on the side of having a larger rather than a smaller emergency reserve and what you really want to make sure you have in place is traditionally. Now you said that you and your partner both work for the company so let's assume that you make about the same income that would substantiate that. Okay maybe 3 months of living expenses might be prudent but if it's likely that you may lose your jobs then perhaps you want to consider stretching out to six months of living expenses or even farther. So that if something were to happen and one of you got hit by the layoffs or worst case both of you got hit by the layoffs you know that you have enough money that

will carry you at least as long as it takes for you to find your next job. So, the other thing you have to figure out is, based on my skill set, based on the job that I do, how quickly could I find suitable, replaceable employment? Am I someone who, as soon as I put my resume out there, I know I'll have another job in the next four weeks, five weeks? Am I someone where it might take me four or five months to find the next job? Depending on the answer to that question, will depend on how much cash that you should begin stockpiling to prepare for this uncertain future. So, whenever you're facing these types of hard, hard life moments, there's nothing wrong with bracing yourself for impact. What I mean by that is, when I talk about triaging your situation, is if you know that there's a good chance layoffs are inevitable, maybe you need to look at your monthly investment plan and beef up cash. There's nothing wrong with having extra cash to prepare.

for the uncertainty of what could be coming your way because look, maybe this is a false scare, and you get through four months in the future, and you go, What was I so worried about? All that cash that you saved up and quit investing, you can put it right back into work, but you at least came on the other side with that extra margin to not make desperate decisions. If you just continue to invest or to keep piling up, and also a lot of companies will give you severance packages or other types of windfall cash moments in these dark times. Don't feel like, you know, I know it's financial mutants always like, Let's go maximize every dollar. Once again, it's okay to keep extra cash for uncertain periods. The second thing is you need to check for leaks, and I hate that. I mean, maybe it's not a bad thing. I'm making all these weather analogies, but it is one of those things where I know when I've faced emergencies or bad situations.

without mercy, I looked at my living expenses. Um, did I need to? I mean, I've had moments in my life. Now, this sounds a little old school now that we're all doing these streaming services, but I've had months where I went over the air antenna and cut all cable and cut all things like that. I cut landscapers. I cut down. Um, I mean, there was no. I started shopping my insurance providers. There was no stone left unturned to figure out how I could tighten up my cash flow so that there was as much. My. I was as lean as I possibly could be. And then you. You'll. It's no different than bracing for that bad weather event. Is you're going to do all this work. You're going to survive this. You're going to come out on the other side. But I want to encourage you when you do come out on the other side. Once you land, get back to it. I want you to. All those things that you undid on the saving and investing and building wealth for the future. Once

you get through the survival of this bad time. Don't just get stuck consuming those resources and not getting the good habits. We've got to get you back on the automatic wealth creation ASAP. The other two just behavioral things that I would mention. Whenever we have clients that are navigating this or think that they could be part of those reductions in force. One of the things we always encourage them to do is okay begin reconnecting with your Professional Network. Are there other folks in your industry or with your skill set or at other companies that it just might make sense to go have coffee with, to have lunch with, for no other reason than to make sure you're reconnecting those dots. 'Cuz you never know if this happens 6 months in the future, but now you have reconed relationship. You never know which coffee might have been the coffee that was the important one that set you up for the next thing. Not that you need to start like shopping for jobs or looking for jobs, but just making sure that you're

well connected to the business community around you. That's number one. Number two, when you have to assess how close this is, how tight to home this hits, I'm amazed at how many of our clients that will go through this. I'm like, Oh man, I've got to start now looking for a new job. Man, I've got to go do a resume. I have not done a resume in the last 25 years. I've been at the same job. I've been doing this. So just thinking through those parts and pieces, not that you have to be super specific on it, but what you don't want to do is on the day that it happens, if it happens, there are going to be 10 million things that go through your mind and 10 million things you're going to start stressing about. The more of those you can remove from the equation early on, the better prepared you'll be to brace for that impact.

How Should I Prepare for a Potential Layoff?

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카를로스는 회사에서 해고 위기에 직면해 있는데, 이는 최근 몇 년 동안 많은 사람들이 겪는 흔한 상황입니다.

특히 고용 안정이 불확실한 상황에서는 더 큰 규모의 비상 준비금을 확보하는 것이 중요합니다.

이상적으로는 6개월 이상의 생활비를 저축해 두면 실직 시 그와 그의 파트너에게 재정적 완충 역할을 할 수 있습니다.

자신의 능력에 따라 얼마나 빨리 새로운 일자리를 찾을 수 있는지 평가하는 것이 중요하며, 이를 통해 비축해야 할 현금의 양을 결정할 수 있습니다.

현금 보유량을 늘려 충격에 대비하면 해고 가능성을 탐색하고 절박한 결정을 내리는 것을 피할 수 있습니다.

불확실한 시기에는 여분의 현금을 보유하는 것도 괜찮으며, 회사에서 퇴직금 패키지나 횡재 현금을 제공하는 것도 도움이 될 수 있습니다.

재정 긴축 및 커리어 네트워킹 탐색하기

연사는 어려운 시기에 생활비를 줄이고 현금 흐름을 긴축하기 위해 노력했던 과거를 회상합니다.

어려운 시기가 지나면 다시 저축과 미래를 위한 투자로 돌아가는 것이 중요하다고 강조합니다.

또한, 미래에 도움이 될 수 있는 관계를 구축하기 위해 전문 네트워크와 다시 연결할 것을 권장합니다.

비즈니스 커뮤니티와 잘 연결되어 있는 것은 이직을 탐색하는 데 매우 중요합니다.

특히 한 직장에서 오랫동안 근무한 후 새로운 직장을 찾아야 할 때 많은 고객이 당황합니다.

이력서를 업데이트하고 잠재적인 스트레스 요인을 해결하여 미리 준비하면 이직이 발생했을 때 쉽게 전환할 수 있습니다.