Whether you saw it coming or it was a total shock, getting laid off can flip your world upside down. But a layoff doesn’t have to derail your financial future—or your confidence.

In this episode, Certified Financial Planner® Chloe Moore joins Lauryn Williams to break down how to navigate a layoff with clarity and control. From negotiating severance and protecting your credit to preparing emotionally and financially for what’s next, they offer practical, empowering advice for anyone facing—or worried about—a job loss.

If you're in the middle of a career transition or want to be ready just in case, this episode will help you move forward with peace of mind.

Key Takeaways

• What to do first when you receive a layoff notice

• How severance, PTO, and unemployment benefits really work

• Budgeting tips to help you stretch your runway

• Why you shouldn’t rush to roll over your 401(k)

• How to protect your credit and manage debt during a layoff

• What to know about healthcare and life insurance after leaving a job

• Side hustles, consulting, and selling items: how to bridge the gap

• Emotional strategies for staying grounded during uncertainty

• Steps to take now if you're worried a layoff might be coming

Links & Resources Mentioned

• Healthcare.gov – Explore COBRA alternatives and check for subsidies

• Know Better Do Better: Preparing for Uncertainty

• Know Better, Do Better Series: Types of Equity Compensation Part 1: RSU

• Know Better, Do Better Series: Equity Compensation Part 2: Understanding ISOs and NQSOs

• Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner

Money Quote:

“Some changes look negative on the surface, but you will soon realize that space is being created in your life for something new to emerge.” — Eckhart Tolle

Lauryn Williams sits down with her cousin, Jessica Gray—an attorney specializing in employment and labor law and a federal government employee. Jessica shares her personal journey growing up in Washington, DC, navigating money lessons from her parents, building generational wealth, and why she’s staying “resume ready” in today’s uncertain economic and political climate.

As the current administration reshapes federal employment practices, job security isn’t what it used to be—even in government roles once known for stability. Jessica pulls back the curtain on what’s really happening behind the scenes, from sudden policy shifts to mass layoffs, and what federal employees—and everyday Americans—should be doing to protect themselves.

Whether you’re a government worker or just wondering how these changes could ripple into your life, this episode will open your eyes to why being proactive with your finances and career is more important than ever.

What You’ll Hear in This Episode:

• How Jessica’s childhood shaped her views on money and generational wealth
  
  

• The evolution of federal government benefits and job security
  
  

• Why the “stability” of a federal career is disappearing
  
  

• The hidden impacts of federal downsizing on communities and the economy
  
  

• Practical steps to stay prepared in uncertain job markets
  
  

• How to approach spending, savings, and retirement planning during economic shifts
  
  

Ready to take control of your financial future? Reserve your spot to join Lauryn Williams in her 6 week online program, Welcome to Wealth, starting in October! Build a personalized financial plan while connecting with your peers.

Links & Resources Mentioned

• Managing Your Finances in Uncertain Times: https://www.youtube.com/watch?v=ZsfXRO4mLVg

About Lauryn Williams

Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here].

Follow Us on Social Media

• Follow Lauryn on Instagram: @worthwinning

• Follow the Worth Listening Podcast: Apple Podcasts | Spotify

Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

Thinking about becoming a digital nomad or relocating to another country? Whether you're dreaming of remote work with a passport in hand or trying to escape the daily grind by starting over abroad, there’s more to it than sunshine and freedom.

In this Know Better. Do Better. episode, Lauryn Williams—who has firsthand experience living abroad in Colombia—is joined by fellow Certified Financial Planner Chloe Moore, who has worked with clients navigating the ins and outs of international living. Together, they shed light on the financial, legal, and emotional realities that often go overlooked.

From taxes and visas to banking, insurance, and what it really costs to uproot your life, this episode dives into the details you need to know before making a big move. If you’re serious about going global, this conversation will help you do it smarter and with fewer surprises.

Key Takeaways

• The different types of visas and what could cut your stay short

• What the U.S. tax system still requires when you earn and bank abroad

• How investing and retirement accounts are impacted by international living

• How investing and retirement accounts are impacted by international living

• How to handle foreign transaction fees, ATM charges, and money transfers

• The emotional and relational challenges of living far from home

• The importance of working with professionals to cover your bases

Links & Resources Mentioned

• Remitly – Send and exchange money internationally

• Look for credit cards with no foreign transaction fees

• Explore digital nomad insurance (note: many exclude U.S. coverage)

• Talk to a Certified Financial Planner, immigration specialist, or attorney before making the leap

• Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner

Money Quote:

“If the grass is greener on the other side of the fence, you can bet the water bill is higher.” — Debbie Macomber

“You are the one that possesses the keys to your being. You carry the passport to your own happiness.” — Diane Von Furstenberg

About Lauryn Williams

Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here].

Follow Us on Social Media

• Follow Chloe on Instagram: @financialstaples

• Connect with Chloe on LinkedIn: linkedin.com/in/chloemoore

• Follow Lauryn on Instagram: @worthwinning

• Follow the Worth Listening Podcast: Apple Podcasts | Spotify

Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams