Losing our job can feel hard. No one should go through this feeling unsupported. Sometimes life throws us into a season of uncertainty in the form of a job loss, a voluntary separation scheme (VSS/MSS), a big pay cut, or an unexpected financial crisis. These moments can feel like winter, which symbolizes cold, uncertainty, and isolation.But just like all seasons, this too shall pass. The crucial part is of course, when we are transitioning it we may feel like we can't see light or the end of the tunnel.In this episode of The Financial Health Insights, Kevin Neoh walks you through practical steps to take if your income takes a sudden hit. We learn about supporting ourselves through this crisis time in 5 steps:What to do immediately after a job loss or major pay cutHow to build a survival budget and avoid panic decisionsWhat to do with your loans, insurance, and EPFWays to generate income (short-term and long-term)How to protect your mental health during this transitionWhen we live through a winter like this, it is definitely not just about money. It’s also about regaining clarity, confidence, and hope.If you’re in a tough season right now, this episode will guide you through it—one step at a time.Resources:Spotify: Money and Stress P1 - How to Break the CycleSpotify: Money and Stress P2 - How to Turn Money Stress into Money SuccessApple Podcast: Money and Stress P1 How to Break the CycleApple Podcast: Money and Stress P2 How to Turn Money Stress into Money SuccessKevin Neoh's LinkedInSubscribe to YouTube ChannelLearn more about KevinChapters00:00 Navigating Unexpected Life Changes02:11 Understanding Employment Loss03:46 The 4 Seasons In Life05:55 Acknowledging Emotional Responses07:26 Immediate Steps for Financial Stability11:24 Creating a Survival Budget20:15 Managing Loans and Insurance23:29 Understand Your Options Regarding Protection Plans (Insurance & Takaful)26:12 Generating Short-Term Income & Reinvention29:43 Coping Strategies during difficult time31:35 Where you can get help & support?33:19 Wrap Up - 5 Steps Action Plan

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