Negotiate A Severance

How To Engineer Your Layoff eBOOK

“I bought How To Engineer Your Layoff for my sister who was then able to negotiate a $50,000 severance. Two years later, I used this book to help me negotiate an $80,000 severance during the middle of a pandemic! What's more, I got a month off to relax, and my new job pays much more. This book was the best investment I have ever made.” – Pam (HTEYL reader)

How To Engineer Your Layoff Ebook 6th edition

Never quit your job, get laid off with a severance instead. Most people quit because they are too scared to negotiate. Or, they simply don't know where to start.

My book teaches you how to negotiate a severance package so you can be free. You'll learn how to get a financial runway to do what you want to do without burning any bridges.

I credit my own severance in 2012 for giving me the courage to leave my multiple-six-figure finance job at age 34.

Since 2012, my wife (who also negotiated a severance) have traveled to over 20 countries, finally had two children after years of trying, and grew Financial Samurai into one of the best personal finance sites today with one million organic pageviews a month. Our lives are so much better because we were able to leave our jobs young with money in our pockets.

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How To Engineer Your Layoff 6th Edition For 2023+

How To Engineer Your Layoff is newly updated to help you through a tricky time in the economy. There are new case studies, insightful recent data points, and even more resources and material to help you leave your job with money in your pocket.

The economy is teetering on a recession and more layoffs are looming. Now is absolutely the best time to try and negotiate a severance if you've been looking to move on from a job you hate. Because once you get laid off your severance negotiation is lost.

Managers are looking to lay people off to cut costs as profitability decreases and share prices decline. But laying people off during a pandemic is tough.

If you can help your manager make a decision and save someone else from losing a job they really need, you stand a much better chance of receiving a severance package, also known as an exit package or separation agreement.

If enhanced unemployment benefits return, a severance package becomes even more valuable. Pick up a copy of HTEYL below. My book is the only severance negotiation book on the market today.

Special promo:

1) If you purchase six hardcopies of my Wall Street Journal Bestseller, Buy This, Not That, and e-mail me the receipt at sales AT financialsamurai DOT com before August 15, 2023, I'll e-mail you a copy of How To Engineer Your Layoff for free. Giving friends and family a great educational book is one of the best gifts of all!

2) Or, enter the code “saveten” to save $10. Promotion is available for the next week and may change.

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Learn To Negotiate A Severance

Since publishing the first edition in 2012, I've received lots of feedback from readers who've successfully engineered their layoffs to work in a new field, spend more time with their family, or travel.

I've incorporated many of their successful strategies in the 6th edition. I've also included new insightful viewpoints from managers who've had to lay people off.

Ask yourself the following questions:

What if I could take a six-month break and travel the world for free?

Wouldn't it be wonderful to spend more time watching my kids grow up?

Wouldn't it be great to connect more with my aging parents?

How awesome would it be to have free startup capital for a new business idea?

How great is it to never set an alarm clock again because every day is Saturday?

Will I look back on my life and regret I didn't do certain things?

My book will empower you with important employment knowledge that shockingly few employees understand. You'll learn how to build the right relationships at your firm to negotiate the best severance package possible.

My book will also help squash any guilt you may have about leaving your colleagues behind. I strongly believe your life will change for the better.

Why It's Better To Get Laid Off Than Quit

If you quit or get fired, know that you are not eligible for any remuneration from your employer. They won't pay for any of your eligible health care extension benefits (COBRA) nor will you be able to participate in your state's Worker Adjustment Retraining Notification (WARN) program, which typically pays two to three months of salary.

Further, quitting makes it difficult for you to receive unemployment benefits. The logic is that if you quit, you don't need the money!

Everybody Eventually Moves On

Unless you plan on working until death, you will eventually leave your firm. Thus, it is important to know your company's retirement policy (pension, early retirement age where you can quit and have benefits, etc) so that you know your worst case scenario backstop.

If you want to take matters into your own hands like I did and leave sooner, then my book will absolutely help you make a better transition. It's all about arming yourself with knowledge to level the playing field with your employer. You want to say good-bye on YOUR terms.

Applicable To Everyone, Not Just American Employees

How To Engineer Your Layoff transcends state and country labor rules because it is a book about negotiations and building the right relationships. To get laid off,  every single employee has a manager and a legal/compliance/HR department they must deal with. The desire for performance, harmony, and collaboration is similar across all organizations.

My book highlights the main concerns companies have when letting people go and why companies will gladly pay you benefits upon your departure if you show you understand their concerns. The last thing an employer wants is a disgruntled employee coming back to the former workplace and causing harm.


Special promo reminder: If you purchase six hardcopies of my Wall Street Journal Bestseller, Buy This, Not That, and e-mail me the receipt at sales AT financialsamurai DOT com by August 15, 2023, I'll e-mail you a copy of How To Engineer Your Layoff for free. Or, enter the code “saveten” to save $10. Promotion is available for the next week and may change.

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Note: For those who need extra guidance, I do 1X1 severance negotiation consulting for $1,500 per session. However, I strongly believe the book is sufficient to help you in the severance negotiation process. My current 1X1 consulting wait-list is three months long.  

Robust Research For The Book

My book is a step-by-step guide that gives you the framework and the guts to navigate the sensitive process of severance negotiations. The first edition took me two years to write due to the immense amount of time researching the process, testing the framework, advising multiple candidates, and implementing my own layoff.

The second edition took another year to write, and expanded the book from 100 pages to 150 pages with new success stories and never before used strategies.

The third and fourth edition took an additional six months to update and write and expanded the book from 150 to 180 pages with 3 new chapters, additional case studies, updated strategies and resources, and recent data.

The fifth edition was released in 2021 during the global pandemic and included a lot of updates including two new chapters.

And now the sixth edition is live for 2023! It includes extensive updates, 50 brand new pages, many recent case studies, more answers to reader questions, updated resources, and even more insightful data points.

I've literally spoken to over 200 people who have either successfully engineered their layoff, or who are managers or HR personnel who have helped engineer other people's layoffs.

Don't Be Like Most People Who Quit

One acquaintance quit his job only to discover a week later that his entire staff got let go with two weeks of severance per year worked. Not only that, this person wasn't eligible for unemployment valued at $21,600 a year and missed out on 12 months worth of health care by his existing firm.

Although he knew his company was in trouble, he became impatient. If he had read my book, he would have learned how to carefully craft a plan to not only stick it out for the layoff round, but probably negotiate a severance package.

How to engineer your level testimonial - how to negotiate a severance

Despite being constantly abused at work, a friend insisted that quitting her job was the “honorable way to go.”

She couldn't wait to get started on her entrepreneurial activities and felt confident she would succeed in the enormously competitive field of internet marketing. Ten months later, she admitted to exhausting her entire life savings of $35,000 because the business was struggling to get off the ground.

If she had engineered her layoff, her severance package would have served to protect some of her savings. As an employee with five years of service with the same employer, her severance package would likely have included at least three months of salary and health insurance premiums.

My Personal Severance Negotiation Story

Coming out of college, I wanted to start my own company. Instead, I got sucked into the corporate world. After 13 years of working on Wall Street, one of the most brutally competitive industries on Earth, I had enough. I wanted out, but was too afraid to leave a multiple six figure paycheck.

Negotiating a severance package in 2012 was exactly the catalyst I needed to build Financial Samurai full-time. I started this site in 2009 and it has since grown to over one million organic pageviews a month because I just love what I do.

My lump sum severance provided for over five years of living expenses, with my last deferred compensation hitting my checking account five years after I left my job!

A Severance Package Was My Catalyst

Without a severance, I don't think Financial Samurai would have grown to what it is today because I would have been too focused on monetization. The severance package I negotiated changed my life for the better and today. I'm now free to work when I want, where I want, and do something I truly enjoy every single day.

You'll enjoy this viral post published recently on CNBC that highlights how our family thrives in expensive San Francisco without either of us having jobs. After I engineered my layoff in 2012, I helped my wife engineer her layoff in 2015.

We now have an adorable son and daughter we both take care of full-time. Our time raising them everyday has been PRICELESS. It all has to do with being able to negotiate a severance to be free. I cannot overemphasize how much better life is when you have the freedom to do what you want.

Here is also a video by Jeff Bezos, Founder of which embodies my thoughts. He has since created one of the largest companies in the world because he stood up for himself, took risks, and went for what he believed in.

What's Included In The Book

  • 23 Detailed Chapters With Recaps Of Key Points
  • Separation Agreement Negotiation Tips
  • Negotiating A Severance Package When You've Got Another Job Lined Up
  • How To Negotiate A Severance Before You're Even Hired By A New Firm
  • Helpful Insights On Your Employment Rights
  • Reasons Why You Should Engineer Your Layoff
  • Reasons Why You Should Not Engineer Your Layoff
  • Case Studies Of People Who've Succeeded In Getting Paid To Leave
  • Answers to many new questions including When To Hire A Lawyer, and How To Handle A Low-Ball Offer.
  • Why And How I Engineered My Own Layoff
  • Advice On Costly Mistakes To Avoid
  • A Framework On How To Develop Multiple Income Streams
  • Advice On Life After Separating From Your Day Job
  • Answers to reader questions
  • A Worksheet To Determine Whether You're Ready
  • A Detailed Checklist Covering All The Steps You Should Take
  • Bonus Chapter For Managers And Employers
  • Resources And Recommendations
  • Reference List Of Featured Posts
  • 245 pages of life-changing advice
  • Newly updated in 2023!


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Who Is Financial Samurai?

  • Sam worked in finance for 13 years at Goldman Sachs and Credit Suisse.
  • He received his MBA from UC Berkeley, his undergraduate degree from The College of William & Mary.
  • In 2009, Sam launched Financial Samurai, one of the most trusted personal finance sites today with over one million organic visitors a month.
  • Sam ran a multi-million dollar business where he actively participated in the recruitment and retrenchment process. Sam has interviewed hundreds of candidates and was a manager for the last five years of his career.
  • By the age of 28, Sam became a millionaire. By the time he engineered his layoff in 2012 at 34, he had a net worth of over $3 million. Today, his net worth is well over $10 million.
  • Given Sam is financially independent, he is less influenced by money. He is also beholden to no one. As a result, Sam provides more unbiased, edgy, straight from the gut views on personal finance.
  • Sam successfully negotiated his own severance package. He has helped over 100 people 1X1 to successfully negotiate their own.
  • Financial Samurai has been featured in the world's leading publications such as The LA Times, Bloomberg, USA Today, The Sydney Herald, The Wall Street Journal, The Consumerist, and Business Insider.
How To Negotiate A Severance Package by Financial Samurai

Negotiate A Severance Testimonials

If your book was printed on lead plates, it would still be worth its weight in gold.” – JB

My wife is happy. She is astonished thinking that I’m the only person she knows that would find instruction on getting laid off, and then actually following through with it successfully. I can hardly believe it myself!” – Doug

HTEYL helped me get out of an unbearable work situation.  My company was losing money, moral was very low, and my boss was like Jekyl & Hyde! Not only am I now much happier working at a new startup, I was able to take six months off and not have to worry about anything financially due to my severance package.” – Encore Career

How To Engineer Your Layoff Testimonial

When I was in college, I wanted to be a violinist and music teacher. When I graduated from college, I became an administrative assistant instead. It was a thankless job that became more unrewarding when I was promoted to sell the company's software. Thanks to Sam's book, I managed to negotiate a severance package worth roughly ten months of living expenses! I'm now a violin teacher and couldn't be happier!” – Musician

More Testimonials For HTEYL

I was just about to quit my job before I stumbled across HTYEL. Thank God I didn't quit!  Thanks to Sam's guidelines, I was able to get laid off in the last round of employee reductions. I received six months of health care insurance, two months of salary, plus another three months of severance.  I'm now off to explore North Africa with my girlfriend who is a teacher during summer vacation!” – Justin

“A one-of-a-kind book to help people leave jobs they hate to be more free. The pandemic has made millions of people realize that doing something that is meaningful is important! How To Engineer Your Layoff helped me receive a $140,000 severance package that I didn't think was possible.” – Sydney

Number of U.S job quits, 4 million job quitters in 2021

Finally, a book that teaches us how to break free from the corporate grind and make money in the process! I've been working at my job for over 15 years and was becoming a zombie. I no longer had the motivation to do anything beyond what I was supposed to do. I've saved up a good amount and How To Engineer Your Layoff was just the right push I needed to finally take a break and not feel guilty!” – Michael

Even More HTEYL Testimonials

After the birth of my baby girl, I just couldn't stand leaving her all day at home with the nanny while mommy went to work. I have an MBA and thought I wanted to work all my life.  HTEYL gave me the impetus to negotiate a mutually beneficial separation package without burning any bridges.”  – Sherry

How to Engineer Your Layoff Testimonial - how to negotiate a severance
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Thanks For Your Purchase!

Engineering your layoff takes time and planning. There is no magic bullet. However, there is this incredible resource to help you walk away with an important financial safety net. Success requires action. Once you are armed with knowledge, everything becomes that much easier.


Sam Dogen

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