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stop-the-bleed-triage

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When money is in free-fall, triage the crisis — what to pay first, what to let slide, and what to protect at all costs. Use when asked I can't pay all my bills, which bills do I pay first, financial emergency, or I'm broke and panicking. Produces a priority order for scarce money (keep-the-lights-on essentials and things with severe consequences first, unsecured debt last), what to protect no matter what (housing, utilities, food, transport to work, essential insurance), which creditors to call and what to ask for (hardship programs, deferrals), the help to tap now (assistance programs, food banks), and a calm next-24-hours plan. Not financial advice; points to nonprofit credit counseling.

skills/stop-the-bleed-triage/SKILL.md

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# Stop-the-Bleed Triage

When there's not enough money for everything, paying bills in the order they arrive — or freezing in panic — does the most damage. Crisis money has a priority order: essentials and severe-consequence bills first, unsecured debt last. This triages your situation: what to pay, what to let slide, what to protect at all costs, who to call for hardship help, and a calm next-24-hours plan — so a spiral becomes a sequence.

## What This Skill Produces

- **A payment priority order** — scarce money sequenced by consequence: housing, utilities, food, transport to work, and essential insurance first; unsecured debt (credit cards) last
- **The protect-at-all-costs list** — the essentials whose loss causes cascading harm (a roof, heat/power, the car that gets you to work), defended first
- **A "safe to let slide (briefly)" list** — what has less severe short-term consequences, so you delay the right things
- **Creditor calls that help** — who to contact and what to ask for (hardship programs, deferrals, reduced payments, medical-bill relief) — asking early beats defaulting silently
- **Help to tap now** — assistance programs (utility, rent, food), food banks, and nonprofit credit counseling
- **A next-24-hours plan** — the few concrete calls and moves to make today, so panic turns into action

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