You may have expected to lose your job, or it may have come from out of the blue. Regardless, when it comes, it seems you are never really prepared for it. You’re laid off—now what? This book is all about the ‘what’. As you begin to take stock of your situation, it may seem insurmountable. That’s normal and it’s normal to have anxiety, doubts and fears. True, you may be carrying high credit card debt and other loans averaging 21% or more. Your savings may be depleted or are less than the debts you owe. The value of your.