Red Alert: My Company is Retrenching in 2026 - Here's Exactly How I'm Preparing to Protect My Family

(This isn't just planning - it's survival mode for Singaporean families like ours.)

The Shocking News That Forced Me to Act

The office whispers became reality last week: My company confirmed retrenchments are coming when the new financial year starts in April 2026. As the newest hire (I only joined in 2025), i believed my name is practically at the top of the termination list.

My hands shook when I heard. Then I remembered - I've been secretly building our family's financial bunker for exactly this scenario.

My 3-Layer Survival Plan 

1. The 12-Month Housing Forcefield

  • My CPF OA stockpile covers our mortgage for a full year
  • No panic selling our home if disaster strikes
  • Pro Tip: I calculated exactly how much we need (S$17,000)

2. The 90-Day Cash Cushion + Gig Economy Escape Hatch

S$50,000 in liquid savings (more than enough for 3 months expenses)

Why I stopped at 3 months? Because I can instantly activate:

  • Grab deliveries (already registered)
  • Freelance professional work (have several professional license such as FSM, WEM, Plumber and built environment related) 
  • Part-time jobs (contacts established)

3. The Career Reinvention Blueprint

  • Currently building a side hustle that is already generating few hundred dollar with 1-2 hours per week
  • Constantly upgrading myself with new license for work that require mandatory license. 
"Who Moved My Cheese?" - The Retrenchment Playbook

That famous story saved my career once before. Now it's my family's lifeline:
  • Cheese Fact #1: The comfortable job you have today will disappear (already happening)
  • Cheese Fact #2: The new cheese exists - but only those who prepare will find it
  • My Move: I've mapped 3 alternative career paths already
Your Turn: How Protected Are You Really?

The retrenchment wave is coming. Before it hits:
  • Do you know your company's layoff risk?
  • Could you cover rent/mortgage for 6+ months?
  • What's your instant-income backup plan?
Comment below - your tip might save someone's livelihood.

Final Reality Check
In today's Singapore, job security is an illusion. But family security doesn't have to be. Start building your bunker today - because by the time the retrenchment email arrives, it's already too late.

P.S. Want our exact emergency budget breakdown? Like this post and I'll share every dollar amount in part 2.

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