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money-crisis-ladder

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Three-phase money crisis protocol: immediate triage when you can't pay bills, surviving on drastically reduced income, and building financial resilience once stable. Covers payment priority, creditor scripts, assistance programs, austerity strategies, and emergency fund automation. Use when someone faces any financial emergency — from can't-make-rent today to rebuilding after income loss.

When to use

• Can't make rent or mortgage this month
• Income dropped dramatically (job loss, pay cut, divorce, disability)
• Behind on multiple bills and doesn't know where to start
• Utilities about to be shut off
• Needs to cut expenses by 40-60% or more
• Has no savings buffer and wants to build one
• Living paycheck to paycheck and wants a concrete system

When not to use

• financial abuse or domestic violence
• thoughts of self-harm

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