Six ordered checklists for the events that rearrange your money, with the clocks that matter.
Open the Life-Event Sequences tool →Six things rearrange a household's money more than any budget decision does: losing a job, a death, a divorce, a disability, a new child, and a move across a state line. Each of these is a sequence rather than a list, because the order is the whole value. Two or three steps in each one have a clock on them, and at least one of those clocks starts before anyone feels ready to think about it.
Every date here comes from a federal rule, and each links to the section that sets it. Nothing on this page states a deadline of its own: the clocks live in the enrollment-and-appeal-window dataset, sourced against the regulations themselves, and this page only points at them. That is deliberate, because a duplicated deadline is a deadline that will eventually be wrong in one of the two places.
The dates are counted from a date you set rather than from the moment the page loaded, so you can check what next week looks like without waiting for next week, and so a link you save shows the same thing when you open it again.
What is not from a rule is the ordering. That is our judgment about which step unlocks the others and which one has a window you cannot get back, and your own situation may reorder it. Where a step is genuinely time-critical the page says so with the clock attached; where it is merely important, it does not pretend otherwise.
This is information about published rules and free public channels. It is not legal, tax, or financial advice, and your own notice is the authority on your own deadline.
Computed entirely on your device for U.S. taxes and benefits. Nothing is ever sent anywhere, and it is free forever. Educational information, not financial, tax, investment, or legal advice.