What should you do first when a paycheck suddenly stops?

Losing a job can feel like a financial and emotional gut punch, but it doesn’t have to define your future. This episode breaks down exactly what to do when income stops, from stabilizing your finances to rebuilding momentum without panic. It’s a realistic, no-fluff survival plan for turning a layoff into the first chapter of a comeback.

Topics Ben Matthews explores in this episode:

(01:38) How to mentally reset after a layoff and avoid panic-driven money decisions.
(02:30) Why freezing spending and filing for unemployment immediately protects your financial runway.
(03:32) How saving even small amounts restores control during financial uncertainty.
(04:25) Why using credit to survive a layoff often creates deeper financial damage.
(06:11) How to prioritize housing, food, and transportation over unsecured debt payments.
(07:03) Ways AI tools can help update resumes, prepare interviews, and uncover new career paths.
(10:43) How to approach side hustles safely without borrowing or burning out.
(14:25) Why small, intentional steps are the foundation of a real financial comeback.

Learn more: https://debtsucks.info
Talk with Ben Matthews: 803-799-1700

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The Debt Sucks Podcast is your fun, no-BS approach to debt relief. Say goodbye to stress, shame, and debt. Hosted by consumer bankruptcy attorney Ben Matthews, this is your weekly dose of real, relatable advice on crushing debt. If you’re dealing with mounting bills or sick of living paycheck to paycheck, we’re here to help you take control of your finances and find your way out.

This episode was produced by Story On Media: https://www.storyon.co/