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If you work here, consider yourself a target

Don’t think that hard work, good reviews, or even being chummy with your manager will save you. You’re a number on a spreadsheet. If you make more than your coworkers, well, bye bye. If you don’t want to be caught with your pants down, you better accept this as reality.


How to minimize your odds of being laid off

  1. Stop volunteering extra work. Just provide what’s asked—no more, no less.
  2. Stop trying to do the right thing, even if leadership preach “honesty, integrity and accountability.” Use phrases like: “Happy to support the chosen direction”.
  3. Don’t speak up DIRECTLY against leaders’ choices. Instead summaries discussions like “Per our discussion, option A was chosen despite X, Y, Z risks. Please let me know if there’s any misunderstandings on my part.”
  4. ALWAYS be civil. Don’t try to prove someone wrong or expect leadership to acknowledge your voice.
  5. The five “Don’ts”:
    • Don’t become the lone moral hero
    • Don’t assume logic will win
    • Don’t over-explain bad news
    • Don’t expect stated company values to protect you
    • Don’t put your name on things that is not your own work or idea. If your boss changes your content - remove your name.

If you are young person, you need to look externally

Older folks can try to ride it out. But if you are younger person you need to look externally for opportunities. Going from 4.5 to 3.5 % is a ~23% cut on 401k match, plus any lost compound interest. Also factor in medical premium increases for next year. Your financial position is now worse, it doesn't make financial sense to continue here (which is obviously what they want so they have to pay less severance). Yea the job market is tight and not everyone can find another job, but financially, you owe it to yourself to look around as you are doing same work for less $. I am not even going to get into bonus and raises because we all know that will be close to 0.


Wise words

When looking for a job, let the technology work for you. Set up job alerts on LinkedIn. When you see a job, post immediately because sometimes postings get pulled quickly. Bring your laptop with you to the office. Take a lunch and use that time to look for jobs. Know you will go on interviews and get ghosted. You will take various personality tests and get ghosted. If someone tells you they are interested, know they might ghost you. Know if you work with a placement firm and they find you a role that is not a good match, they will ghost you. Rejection is part of the process. I was not prepared for that.

It took me 7 months of rejection to find a new role. I applied for 3 to 7 jobs every week on average. In all types of industries. And in the end, I found a job that is remote (but with 2 offices within driving distance) that is paying me 35% more for less responsibility. The culture is far better. We like our employees here. I should have done this years ago.

Reposted from @aw+1kc48va7v to make sure more people read it. ALl credit goes to the OP.


Career advice

I'm a current wells fargo employee within risk in Minneapolis who is looking to jump the stagecoach. The amount of layoffs, lack of salary increases, and overall team morale is getting to be too much.

Is US bank worth looking at or is it really bad there as well?


Meet with your financial advisor!

How great was that message from HR this week.
Are you RTO ready because expenses are going to change in 2026! So heres a free service to meet with a financial advisor (and tell him you're getting a pay cut bc your employer is forcing you back to the office and you need to figure out how to pay for the extra 600/month of commuting costs, plus meals and new wardrobe)

And they write it like we should be as excited as they are! lol


Reminder: Bank Accounts with fees if no more Direct Deposit money coming in.

Reminder: Check with your bank regarding the type of account you have. If you were laid-off, and won't have any direct deposit coming into that bank account, your bank may start charging you monthly fees. Ask your bank for options of savings accounts without fees if you won't have a direct deposit.


Stack ranking is coming for your layoffs

I love how leadership claims forced stack ranking isn’t happening. It is. 100%. India is not part of it. So if your team has 15 US and 5 India the rankings are only for the 15 US. That means one or two of you will get less than meets even if you do meet the job. And even if the Indian team is far worse. We got it in writing which is only because our manager is new and didn’t realize she shouldn’t email that kind of thing. Keep the paper trail coming! Document everything people.


To people worried about their reviews

Don’t be. Or at least, don’t take them to heart. They aren’t genuine assessments. They’re just a convenient cover for cuts and reorgs. A bad review might increase the odds of being let go, but it says nothing about your real performance, and definitely nothing about your actual value. Leadership is focused on finding the easiest and cheapest ways to push people out, whether it’s through reviews or some other pretext. The whole thing is just theatrics.


Some Advice for the “Brand”

We’ve spent a lot of time polishing ads, colors, and confusing campaigns for clover, but very little time shaping what our name stands for. Brand isn’t the shade of orange we use. It’s the instinctive belief customers have about whether we’re reliable. Right now, too many people see our name and expect inconsistency. It’s like the difference between a car company you trust and another you don’t trust. Whether or not the perception is fair, one brand is trusted and the other isn’t. Until we deliberately cultivate reliability as part of our identity, no campaign will overcome that perception.


The job I was laid off from is now being hired for?!?!

I was part of the layoff in October, and I noticed today my position along with a couple others laid off on my team have been posted on Target’s career page. They made some slight adjustments but it is almost exactly the job I was laid off from. Has anyone else seen this or have any advice? It’s a little hurtful to be backfilled less than 2 months after being laid off…


Leave for greener pastures

I was making $135,000 as a Project Manager at Fiserv and will be starting my new job on Monday for a competitor making $150,000 to do THE SAME JOB! It's no secret that Fiserv sc--ws you with their below-market merit increases and bonuses but they also pay well below scale. It's VERY hard to find something at this time of year but I anticipate the job market will open back up by mid-January so start looking now.


Reorged but not working out

If you were reorged (moved to another department without applying / not your choice) and it’s not working out. Can you apply to another position within the company if it’s been less than a year? I know generally you should wait a year to apply but this role is not working for me at all. I want to go back to a similar role I was in before and willing to take a pay cut. Any thoughts or experience you could share would be helpful.


the 1st wave and the 2nd wave

Can someone please break it down for me the main differences between the 1st wave and the 2nd wave? It sounds like the 2nd wave has a longer transition period until April 1st while the 1st wave only had 30 days? Just trying to be mentally prepared for what the 3rd wave would look like. Thank you all for your inputs. This forum has been more helpful and informational than any leader(s) could be.


3 years since the big retirement

Today marks the 3-year anniversary.
https://www.freep.com/story/money/cars/ford/2022/12/08/salaried-ford-workers-retire-pension-warning/69708649007/

Those of you who retired then and still visit this site, can you share and reflect on how your life has been since you retired? Any regrets? Any advice for those of us close to retirement?


Just a thought

hink it’s time someone asks the real questions that so many of us on the Medicare/Medicaid Member Services and Provider Services side of UnitedHealth Group are afraid to say out loud.

What is actually going on?
How much longer will any of us have jobs here in the United States?
Why can’t leadership just be transparent with us about the future instead of leaving entire teams in a constant state of uncertainty?

Every day we hear rumors, see teams shrinking, and watch responsibilities shift with no clear explanation. Many of us have built years of our lives around this company, serving members and providers with everything we have. We deserve honesty. We deserve communication. We deserve clarity about what direction this organization is taking and what it means for the people who keep it running.

How many of us are even left in the U.S. doing this work?
And why is it so hard to get straightforward information?

We’re not asking for miracles—just truthful communication and respect for the workforce that shows up every day despite the stress, fear, and unanswered questions.

UnitedHealth Group, we need answers.
We deserve transparency.
And we deserve better than silence.


Animal Farm

"All animals are equal, but some animals are more equal than others,"

This quote best summarizes how I would describe BNY.

Took a new role at another bank but wanted to say thanks for those who posted on here to help others.

I’m gonna miss the devoid and detached emails from Emily as she rammed a company pillar up our cheeks each Monday morning.

I’m gonna miss how they built an office with features we can’t afford because wages didn’t come close to keeping up with inflation and any merit raise covered the cost of health insurance increases.

Keep your heads up if you are still trying to get out. And remember, buy Bitcoin. Or if Robin has his way, Malaysian bonds.