<prompt> Human: So the title says it all. My team and I were a software development team based in San Francisco. The company decided to shut down the product that we were working on, and every member of my team was given the pink slip today.I have been working with the company for almost two years now. I am 30 years old, living in San Francisco. Trying to figure out what to do financially with my health care, 401k, etc.My employment officially ends at the end of the month, at which point I will be paid a lump sum of 12 weeks severance. So essentially Im getting about 15 weeks of pay.Here are the details of my finances: 15k in a 401k 3700 in a Health Savings Account HSA 50k in liquid assets across several checking and savings accounts 5000 monthly income after tax this is rough estimate since I wont continue receiving benefits from my company after my termination date, so there will be fewer pre-tax deductions from my severance pay. Also this would last for just under 3 months, before I would have to dip into my savings. 3500 monthly expensesThe main questions I have are: What should I do with the money in my 401k? Should I leave it in the current account or roll it into an IRA? I plan to continue my health plan on COBRA, which will make my premiums shoot up to 500month. I understand that individual health plans would be a lot cheaper, but I have a preexisting condition which will make it difficult for me to find an affordable plan outside of COBRA. Should I pay for these premiums using my HSA? Does it even make sense to cut back on expenses that are a tiny fraction of my monthly expenses? The biggest expense I have is rent. All my other expenses are less than 10 of what I pay for rent. Moving to a cheaper place or sharing is out of the question as I would incur moving costs and I have a lot of belongings.Thanks in advance for any advice you all can provide. Its been quite a shock as Ive never been laid off before, and there were no warning signs prior to the layoff. But Im quite confident that I can find a new job quickly. One good thing that Im seeing out of this is that since the entire team got laid off, we can help each other out in job hunting and for moral support.  <response>: File for unempoyment. Most states ignore your severance and while it wont replace you income it wil give you a bit more with which to pay bills and if you dont wind up using it no harm no foul. 