<prompt> Human: Many middle class folks are living paycheck to paycheck and have no savings because of poor planning and expensive lifestyles. Some of these people lose their jobs.A single middle class coworker of mine who worked as a librarian was laid off last month. No severance pay and her first unemployment check of 600 will not come until next week. She is flat broke.Her fixed costs for her mortgage, car and utility bills is 3000 a month. Unemployment benefits will pay her 1200.00 a month. I loaned her a 1000 but I cant afford to cover her lifestyle.She asked for suggestions and I said she should cash a few of those credit card convenience checks that arrive in her mailbox. Maybe enough for a few months to tide her over.Do you agree with my advice? She does not want to lose her home, etc.  <response>: OP is in some type of denial where they seemed to be convinced someone is going to feed them some magical answer spoon. The solution here is obvious, your friend is living out of their means in the biggest city in America. They didnt plan ahead and because of it, are screwed pretty hard.Taking on debt in this situation when her former job didnt even give her a chance to create a savings would be foolish. It would undoubtedly lead to bankruptcy. Sell everything beyond their means and get real. 