It's the simplest unit to plan around after your income changes, and it keeps the price low enough to manage while you're still rebuilding. Paid plans are charged immediately at checkout - there is no free trial or preview period - and all payments are final and non-refundable. Cancel at period end any time; your access stays on through the period you already paid for.

Is there a free trial or refund?

No. Every paid plan bills immediately at checkout: no free trial, no free days, no preview. All payments are final and non-refundable, so compare the plans before you subscribe. Cancelling stops the next renewal; access continues to the end of the period you paid for, with no refund or credit for unused time.

Is there a free plan?

No. WUUUH is a membership, the way AAA, a warehouse club or a health plan is: you hold it before you need it, and it covers the whole household. Every account starts on Individual or Household at the full published price. If you stop paying, membership ends at the end of the paid period; everything you saved is kept for when you rejoin.

Why is membership compulsory?

Because an income emergency is not something you can shop for on the day it happens. The layoff letter, the COBRA election, the missed rent, the appeal deadline - they all hit inside the first 72 hours. Holding a membership is the same logic as holding car insurance or a AAA card: you pay a small amount monthly so the worst week of your working life has a tow truck instead of a shrug.

Are there annual plans?

Yes. Annual bills about 10 months (Individual) or 9 months (Household) for 12 months of access: Individual $199/yr (save $29, 13%) and Household $299/yr (save $109). Flip the Monthly / Annual toggle above the plan cards. Annual works with cancel-at-period-end too.

Is WUUUH a lender or benefits agency?

No. Bridge loans and insurance are applications queued for licensed partners. Assistance matching links to official sources and estimates eligibility. It doesn't approve benefits.

Can I gift membership?

Yes. Every account type can receive a gift. Visit Gift a membership to send Individual or Household to someone who needs the finish-line tools now.

Yes, from Manage membership. Upgrades start now at the full new price; the unused part of your current plan is not credited. Downgrades take effect at your next renewal.

What happens if I cancel?

Use Manage membership to cancel at period end. You keep access through the period you already paid for, with no refund or credit for unused time. There is no free tier to fall back to; everything you saved is kept if you rejoin.

Membership

Every adult needs a membership, the way they need AAA.

Nobody asks whether car insurance is worth it the week after the crash: you hold it so an emergency never becomes a catastrophe. WUUUH is that for losing your income. Every adult needs one, the way you need a Costco card, a AAA card or a health plan - because the day the layoff lands is too late to apply.

Individual and Household cover finishing the work. Every feature is listed below. No vague paywall, and you can switch plans anytime.

Individual

$19/mo

Household

$34/mo

Or go annual and save up to 27%: Individual $199/yr · Household $299/yr - bills about 10 months (Individual) or 9 months (Household) for 12 months of access.

Choose your membership →See account types Jump to full comparison

Why it isn't optional

WUUUH is a membership, not a free app.

Like AAA, but for income loss

You pay a small amount every month so that the worst week of your working life comes with a tow truck instead of a shrug.

Like a warehouse club

One membership card for the household, and everything inside costs you less: aid, specialists, negotiations, legal-adjacent paperwork.

Like a health plan

You don't wait until you're sick to enrol. You hold coverage so the diagnosis is a problem to solve, not a cliff.

One membership. Households, not individuals. The price of a couple of coffees a week, standing between you and the drop.

Account types

Pick the account that fits how you work

Each card lists what's included and what isn't, grouped the same way as the matrix below. It follows the live membership rules. This page is a friendlier map, not a different product.

Annual bills about 10 months (Individual) or 9 months (Household) for 12 months of access. Same cancel rules.

Recommended

Individual

Finish the hard parts yourself

$19

per month · cancel anytime

Who it's for: One adult who needs to apply, message, track cases, post aid, and book mentors - and who would rather already hold the tools the day income stops.

What you get: The finish-line tools: cases, vault, applications, DMs, mentors, and mutual-aid posting (3 requests/week), plus Help Me Now, the action plan and runway math. Cancel any month.

Included on Individual:

Income-change onboarding & action plan
Help Me Now triage
Cash-flow runway tools
Response checklists
Official assistance & benefit links
Assistance matching (browse)

31 of 41 features included · Getting oriented 7/9 · Cases, renewals & documents 5/6 · Jobs & references 5/5 · Gigs, skills & mentors 5/6 · Messaging & mutual aid 5/7 · Hardship bridges & household 4/8

See every row in the full comparison ↓

Join Individual

Billed today, then $19/mo thereafter. No free trial. All payments are final and non-refundable; cancelling stops the next renewal.

Household

One plan for the whole household

$34

per month · shared membership

Who it's for: Partners, roommates, or adult family members who need the same tools and are tired of chasing paperwork alone.

What you get: Everything in Individual for up to 5 adults, plus shared cash-flow & deadlines, private vault invites, a shared member card, mutual-aid priority, more specialist/escalation slots, dual-adult Help Me Now, household group-buy interest, and a shared value statement. Still cheaper than two Individual plans.

Everything in Individual, plus:

Dual-adult Help Me Now context
Shared cash-flow & deadlines workspace
Shared vault private-doc invites
Extra specialist slots (6 / month)
Mutual-aid priority + higher posting limits (8 / week)
Household group-buy interest (whole unit)

41 of 41 features included · Getting oriented 9/9 · Cases, renewals & documents 6/6 · Jobs & references 5/5 · Gigs, skills & mentors 6/6 · Messaging & mutual aid 7/7 · Hardship bridges & household 8/8

See every row in the full comparison ↓

Join Household

Billed today, then $34/mo thereafter. No free trial. All payments are final and non-refundable; cancelling stops the next renewal.

Finish-line tour

What membership helps you finish

These are the tools that come with Individual and Household.

Cases & renewals

Track assistance cases, get renewal alerts, and draft cancel-or-negotiate language you approve before anything goes out.

Explore →

Document vault

Keep layoff letters, IDs, and benefit paperwork in one place. Household can invite adults to view private docs.

Explore →

Jobs & references

Upload a resume, apply, and request references when you're ready. Browsing the public job board stays open to everyone.

Explore →

Gigs, skills & mentors

Publish listings, send proposals, and book mentors or specialists when you want a real person's help.

Explore →

Messaging & mutual aid

Start conversations and post aid requests. Household gets priority posting and higher weekly limits.

Explore →

Household shared workspace

Up to 5 adult seats, shared cash-flow & deadlines, shared member card, dual-adult Help Me Now, and household group-buy interest.

Explore →

Feature matrix

Full feature comparison

Every row comes from the same membership matrix we ship against. Scroll sideways on a phone. ✓ included · - not included · ~ depends on the situation.

Feature	Individual	Household
Getting orientedKnow what to do next, from day one of your membership.
Income-change onboarding & action planA ranked list of next steps for the first chaotic days after your money changes.	✓	✓
Help Me Now triageA fast path to the right tool when you're overwhelmed and need one clear next step.	✓	✓
Dual-adult Help Me Now contextHelp Me Now takes the other adults' income into account on a Household plan.	-	✓
Cash-flow runway toolsSee how many weeks of runway you have, so decisions match the money you really have.	✓	✓
Shared cash-flow & deadlines workspaceOne household runway and deadline board adults can edit together.	-	✓
Response checklistsPractical lists for the week after income drops so nothing important slips.	✓	✓
Official assistance & benefit linksLinks straight to official sources, not someone's blog roundup.	✓	✓
Assistance matching (browse)Browse programs that may fit. We estimate eligibility; we don't approve benefits.	✓	✓
Bank CSV / manual expense trackingImport a CSV or track by hand. You never have to connect your bank.	✓	✓
Cases, renewals & documentsPaid plans add case tracking and drafts you approve before they're sent.
Case trackingKeep each assistance case in one place with status you control.	✓	✓
Renewal alertsReminders before renewals so coverage and paperwork don't quietly expire.	✓	✓
Cancel / negotiate drafts (you approve before sending)Draft language for hard money conversations. You approve it before anything goes out.	✓	✓
Document vault storageSecure storage for papers you'll need again: layoff letters, IDs, and other proof.	✓	✓
Shared vault private-doc invitesLet other adults in the household see private docs, so benefit packets stay in one place.	-	✓
Supported workflows & member offersWorkflows and member offers that help you get things done, not just read about them.	✓	✓
Jobs & referencesBrowse free; apply and request references with membership.
Browse jobs & companiesRead the job board with no paywall.	✓	✓
Resume uploadStore the version you actually apply with.	✓	✓
Apply to jobsSend applications from WUUUH when you're ready to move.	✓	✓
Give a job referenceHelp someone else. Giving a reference stays free.	✓	✓
Request a job referenceAsk someone to vouch for you when an employer wants a reference.	✓	✓
Gigs, skills & mentorsExplore the marketplace free; participate when you upgrade.
Browse gigs, skills & mentorsSee what's available before you commit.	✓	✓
Publish gig briefs, proposals & skill listingsPublish and propose so you can earn or offer skills in the hall.	✓	✓
Mentor connect & bookConnect and book time with mentors when you want guidance.	✓	✓
Specialist browseBrowse specialists free so you know who's out there.	✓	✓
Specialist booking (2 slots / month)Book a specialist when browsing isn't enough.	✓	✓
Extra specialist slots (6 / month)Household gets three times the monthly specialist handoff slots.	-	✓
Messaging & mutual aidBrowse mutual aid free. Posting and DMs need a paid plan.
Browse mutual aid (time / goods)See time and goods offers without upgrading.	✓	✓
Post aid requests & donate moneyPost what you need, or send money to someone else through the hall.	✓	✓
Mutual-aid priority + higher posting limits (8 / week)Household requests get priority handling and more weekly posts than Individual (3).	-	✓
Start & send messagesOpen DMs and keep conversations going with people who can help.	✓	✓
Group-purchase interest (browse / signal)Show interest in group buys. Browsing stays open to everyone.	✓	✓
Household group-buy interest (whole unit)One sign-up counts every active adult in the household.	-	✓
Group-purchase redeemRedeem group-purchase offers as a member.	✓	✓
Hardship bridges & householdPartner queues stay open; shared household tools are Household-only.
Bridge-loan & insurance applications (partner queue)Apply through licensed partners' queues. WUUUH does not lend or underwrite.WUUUH is not a lender. Applications wait for licensed partners.	✓	✓
Gift a membership (eligible)Every account type can receive a gift when someone covers the finish-line tools.	✓	✓
Household sharing (up to 5 adult seats)Invite partners or roommates as adults or viewers, and choose whether they see tasks or private docs.	-	✓
Shared digital member cardHousehold card code for checkout workflows, plus each adult's personal card.	-	✓
Shared savings / value statementA monthly total of completed actions and logged savings for every adult in the household.	-	✓
Human escalation (2 slots / month)Get a real person when the self-serve tools aren't enough.	✓	✓
Extra escalation slots + priority (5 / month)Household gets more slots and moves up the queue for mutual aid and assist requests.	-	✓
Cancel at period endLeave cleanly. Access stays on through the current billing period on paid plans.On paid plans, access stays on through the current billing period.	✓	✓

Quick guide

Which plan is right for me?

Not sure yet? Membership is the point: you hold it before you need it, so the layoff letter lands on a plan that already exists.

Choose Individual if…

You're one adult finishing the hard parts: job applications, mentor booking, messaging, case tracking, vault, and mutual-aid posting (3/week).

Join · $19/mo →

Choose Household if…

Two or more adults under one roof need shared cash-flow, private vault invites, a shared member card, dual-adult Help Me Now, higher aid/specialist limits, and up to 5 adult seats. Still cheaper than two Individual plans.

Join · $34/mo →

Membership helps you finish: $19/month or $199/year.

Licensed-partner features are live application queues. WUUUH is not a lender or underwriter. Applications save as "Submitted - awaiting licensed partner."

Premium FAQ

Why monthly billing?: It's the simplest unit to plan around after your income changes, and it keeps the price low enough to manage while you're still rebuilding. Paid plans are charged immediately at checkout - there is no free trial or preview period - and all payments are final and non-refundable. Cancel at period end any time; your access stays on through the period you already paid for.
Is there a free trial or refund?: No. Every paid plan bills immediately at checkout: no free trial, no free days, no preview. All payments are final and non-refundable, so compare the plans before you subscribe. Cancelling stops the next renewal; access continues to the end of the period you paid for, with no refund or credit for unused time.
Is there a free plan?: No. WUUUH is a membership, the way AAA, a warehouse club or a health plan is: you hold it before you need it, and it covers the whole household. Every account starts on Individual or Household at the full published price. If you stop paying, membership ends at the end of the paid period; everything you saved is kept for when you rejoin.
Why is membership compulsory?: Because an income emergency is not something you can shop for on the day it happens. The layoff letter, the COBRA election, the missed rent, the appeal deadline - they all hit inside the first 72 hours. Holding a membership is the same logic as holding car insurance or a AAA card: you pay a small amount monthly so the worst week of your working life has a tow truck instead of a shrug.
What's the difference between Individual and Household?: Individual ($19/mo) is for one adult who needs finish-line tools. Household ($34/mo) includes everything in Individual plus up to 5 adult seats, shared cash-flow & deadlines, private vault invites, a shared member card, mutual-aid priority (8 posts/week), more specialist and escalation slots, dual-adult Help Me Now, household group-buy interest, and a shared value statement. Still cheaper than two Individual plans.
Are there annual plans?: Yes. Annual bills about 10 months (Individual) or 9 months (Household) for 12 months of access: Individual $199/yr (save $29, 13%) and Household $299/yr (save $109). Flip the Monthly / Annual toggle above the plan cards. Annual works with cancel-at-period-end too.
Is WUUUH a lender or benefits agency?: No. Bridge loans and insurance are applications queued for licensed partners. Assistance matching links to official sources and estimates eligibility. It doesn't approve benefits.
Can I gift membership?: Yes. Every account type can receive a gift. Visit Gift a membership to send Individual or Household to someone who needs the finish-line tools now.
Can I change plans?: Yes, from Manage membership. Upgrades start now at the full new price; the unused part of your current plan is not credited. Downgrades take effect at your next renewal.
What happens if I cancel?: Use Manage membership to cancel at period end. You keep access through the period you already paid for, with no refund or credit for unused time. There is no free tier to fall back to; everything you saved is kept if you rejoin.

Coverage by country · Monthly value · Public guides · Help Me Now