How this works
The honest answers to what people ask most.
Add Okay, Next to your phone
It opens full-screen, like an app, and stays one tap away. No app store needed.
iPhone (Safari): Tap the Share icon, then “Add to Home Screen.”
Android (Chrome): Tap the browser menu, then “Add to Home screen.”
Is this legal, financial, or tax advice?
No. Okay, Next gives you plain-English information and an ordered plan, and it tells you exactly when to bring in a real attorney, advisor, or accountant. It never interprets your specific documents or tells you what you legally should do.
What's free, and what's paid?
Your Day-1 checklist, the guides (COBRA/ACA, unemployment by state, severance), deadline tracking, the runway calculator, and the application tracker are free forever. The paid plan adds your personalized AI plan that adapts over time, plus the AI tools (narrative, salary, job-posting decoder, resume scoring, mock interviews).
How much does it cost?
From $9.99/month. There's also a 90-day plan, built (honestly) to work itself out of a job once you're back on your feet.
Is my information private?
Yes. We never ask for your SSN, bank login, or card number. Anything you paste into the one-shot tools is processed and then dropped, not kept. Your plan and the companies you track are saved to your account so they can adapt with you, and you can delete everything any time.
Is this for me if I quit, was fired, or am still employed?
It's built for layoffs, but the parts that matter (health coverage, deadlines, runway, and the job search) help with just about any abrupt job change. If you're bracing for one, starting early only helps.
Do I have to create an account?
No. You can start as a guest and your progress saves to your browser. Adding an email just means you can get back to your plan from any device, and recover it if you need to.
Will this fix everything?
No. But it'll make the next move obvious: tonight, this week, and next. That's the whole job: less spiral, more plan.
What should I do first after being laid off?
Tonight: save anything personal off your work laptop before access is cut, and start your unemployment claim (most states have a waiting week, so sooner is money). This week: sort health coverage (COBRA vs. the ACA Marketplace, both have 60-day windows), and run your runway so the panic has a number. Okay, Next walks you through each in order.
Can I collect unemployment if I got severance?
Often yes, but it depends on your state and how the severance is paid (lump sum vs. salary continuation can affect timing). Don't assume you're disqualified and skip filing; check your state's rules. Okay, Next links you straight to your state's official portal.
How long does it take to find a job after a layoff?
Realistically, the average search runs about 5–7 months right now, longer than most people expect, and not a reflection on you. That's exactly why we help you plan runway and pace yourself for the long haul, not just the first frantic week.
How long do I have to sign a severance agreement?
If you're 40 or older and being asked to release age-discrimination claims, the ADEA generally gives you 21 days to consider (45 in a group layoff) and 7 days to revoke after signing. Don't sign on the spot just because they ask. That time is yours. This is general information, not legal advice; have an employment attorney review anything you're unsure about.
COBRA or the ACA Marketplace: which is cheaper?
It depends. 2026 subsidy cuts mean the Marketplace is no longer automatically cheaper, though a big income drop can still make it win. COBRA keeps your exact plan and doctors. Losing job-based coverage opens a 60-day Special Enrollment window, so compare the real numbers before either deadline passes. Our health guide breaks it down in plain English.