<prompt> Human: OK basic points: Layoffs ARE coming, but I am not sure if I am one of them. I do not know when it will happen. Could be anytime between now and July. I am married with no children. I have no emergency fund. I spent it on an emergency. Other than my 401k, which cannot be borrowed against I have no savings to speak of. I have high debt, but am actively working to be out of debt. If everything stayed the same as it is now, I would be out of debt with the exception of my mortgage sometime in early 2019. I have many medical issues and depend on my health insurance. It really is the best benefit that my job offers. I know that COBRA exists, but Im not sure if I could afford the cost. I will be in SERIOUS trouble medically speaking if I lose my health insurance. My wife does work, but what she makes is only enough to pay mortgage and part of our debt. There would be nothing left for other bills. We could trim spending some and maybe clear up an extra 100, but our budget is already very tight. Some sort of severance would most likely be offered. I have heard 1000 dollars for every year employed and I have heard 5000 for every year of employment. That would give me either 12,000 or 60,000. I am looking at other positions, but most with my skill set would require moving. With our financial situation right now that would be difficult. My credit score sucks currently. Given the market and the amount of work needed to fix up our house, selling it would be very difficult.Questions: What should I start doing now? What are my options for health insurance? What is the best way to use severance? Savings? Pay off some debt? Other? Generally, how helpful would employment pay be? Given that I would be unemployed and my wife makes so little could we get any other sort of government assistance? Is there anything else that I should knowdo?Again, this MIGHT NOT happen, but it is a possibility and I need to be prepared. I would most likely look to leave the job once my finances are in order, but right now any change would really be a hurdle.Thank you.Assistant: Your budget is tight to 100 and you have no savings? You are already living beyond your means. You need to cut back now and save as much as you can. This might require real lifestyle changes. You need as much savings as possible.I would be looking for a new job now. Id rather leave on my own terms than be scrambling in a desperate situation.Human: Op did say theyre paying off debt aggressively, so that might be where most of the money is going.Assistant: Over 1000 a month goes to our debt of various kinds.  <response>: Is that the minimum payments? Because if youre paying over the minimum, cut that back and start saving. 