Personal Disaster Recovery Plan

The most dangerous lie mid-career professionals tell themselves: “It won’t happen to me.”

You are 40+.
You have put in 15–20 years.
You are respected.
You are comfortable.
But not immune.

And that’s exactly when life hits hardest.

• Layoffs.
• Industry shifts.
• Illness.
• Divorce.

Not rare events. Just realities.

The real pain isn’t the disaster. It’s the surprise.

So build your personal Disaster Recovery Plan:

• 12-month emergency fund. Treat it like insurance.
• Side income stream. Consulting, teaching, investing.
• 2 monetizable skills. Sharpen them now.
• Family alignment. Agree on cuts if income stops.

Companies have DRPs. Why don’t you?

At 40+, motivation posters won’t save you.
A Disaster Recovery Plan will.
Because disaster won’t destroy you.
The surprise will.