My biggest mistake after being laid off was to not be discerning enough about my next job. You need to be willing to say no to a crummy job offer, even as the bills pile up.
Either way, you can win or lose.
But as with gambling, bankroll management is of essence. You don't want to lose more than you can.
Anyway, you meant stay or hit.
Like don't go agreeing to an obviously terrible offer, but this isn't a seller's market anymore.
As long as it's an "at will" job (as almost all are) you can quit in two weeks, two months, or six months if a better opportunity comes along.