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As Preppers we take steps to plan for disasters that could force us out of the comfort and safety of our homes. These threats could range from regional weather incidents like Tornadoes, Earthquakes or Hurricanes to longer term disasters that might not be caused by Mother Nature. Even these relatively common regional weather events can cause massive damage in some places, but shelter and safety is usually within a short drive or walk from your home. To reach safety, it may be necessary to throw your Bug Out Bag into the car or on your back and get the hell out of dodge as quickly as possible before the roads are clogged or leaving is no longer possible. The hope is that you will be able to come back home as soon as the disaster has passed and conditions are safe for your return.

When you are preparing to Bug Out, there’s a lot of advice on various aspects of preparing like how to select the right bug out bag, or how to load your bug out bag. We can give you lists of supplies to actually pack in your bug out bag but in some cases, you simply won’t be able to carry everything you will ever need to in one pack.

The perfect bug out bag will give you basic supplies, food and shelter to live for at least 72 hours, hopefully longer without being so heavy that it will kill you. A bug out bag is designed to give you what you need to survive without the benefit of your home and all its supplies but it is only a short-term solution because it will be impossible to carry every single thing you would ever need for any potential scenario. What if the disaster is longer than 72 hours? What if you aren’t able to come back home ever again for some reason? What if the grid goes down and you can’t get to your money any more due to bank holidays, power outages or some currency crisis?

How can you protect your money?

There are a lot of things that we put in our bug out bag but a supply of money is one of those at the very top of the list when we start to consider what we might need in order to survive. I am not talking about lost in the woods survival here but surviving in a society that still operates in cash. Until we have some TEOTWAWKI event, money still has purchasing power so having some extra cash on hand is wise. You might not be able to access the money you have in the bank anymore like the people in Cyprus, so I recommend keeping a relatively large amount of cash hidden somewhere that nobody can find it outside of your bank. Having all of your money in the bank makes this a single point of failure so having a decent amount of cash on hand, as long as you take precautions could save your rear if the banks decide they can’t or don’t have to give it back. How much should you keep out of the bank? That’s up to you but I try to keep as much as possible outside those doors that can lock me out.

Zimbabwe Dollars ranging from 10 to 100 billion printed within a one year period. The magnitude of the currency scalars signifies the extent of the hyperinflation.

Maybe your money will still be accessible, but with inflation it simply won’t buy you anything at some point in the future. This isn’t without precedent as it has happened in the Weimar Republic after WWI and also in Zimbabwe. As a hedge against actions beyond our control; some people are storing precious metals for long-term protection against inflation. Holding physical gold and silver could be crucial to your family’s survival if the currency collapses so many preppers are acquiring silver and gold coins should the Dollar fail someday or the banks prevent you from accessing the money in your accounts.

While those beautiful shiny coins could save your life financially speaking if the fiat money you have ends up being worthless, they also have their disadvantages. When it comes to bugging out, you have to consider the weight. If you have been quietly purchasing precious metals for years in anticipation of an economic collapse, have you given thoughts to how you will take all of that with you?

There are a lot of options when it comes to precious metals. Some people like James Wesley Rawles advocate using pre-1965 US coins because of their silver content. Smaller denominations, in easy to understand measurements would be easier to barter with other individuals he reasons and I agree with that theory. Instead of spending my weekends sorting rolls of quarters from the bank though; I have settled on 1 ounce Silver coins as my precious metal of choice. I chose silver coins because they were more affordable than gold and I could see paying someone with a silver coin being much easier than chiseling off a piece of my gold coin. Gold coins because of their worth are easier to carry, but harder to make change for. I could carry one gold coin or 70 silver coins. When you are bugging out that weight will start to add up.

Let’s say it was the end of the world and you had to bug out with only the items in your bug out bag, your trusty AR15 or preferred end of the world firearm and all of the money you have. If you had one gold coin you could easily carry that around practically anywhere, but the problem comes in when you wanted to purchase something with it. You couldn’t go to a restaurant and pay for a meal with a fraction of your gold coin. You would want some smaller bills (coins) so to speak.

So, instead of gold you chose silver and now all of your silver is loaded in your bug out bag. Just 200 silver coins will weigh over 14 pounds. What if you had more silver? What if you had cashed in your 401K and have 1000 silver coins? That would be over 60 pounds and I don’t care who you are, adding that much weight to your bug out bag will hurt you sooner or later. Not to mention, if you lose your bag or someone steals it, all of your money is gone.

A bug out plan with Precious Metals

So what is a good prepper supposed to do? I still recommend having some precious metals because I don’t have faith the long term health of our monetary system. Does that mean I am right? You have to investigate that for yourself and make up your own mind. If you do plan to purchase some precious metals how can you plan to bug out on foot with all that coin?

You can’t.

What? Is that your great advice? Well, not exactly but you have to plan on this happening. I have some silver and this works for my me and my family, but I would not load it all into my Bug Out Bag. I also might not load it all in my vehicle if I was bugging out either. So what would I do?

I would bury it. Yes, I would bury my precious metals in containers I could dig up later. This poses a couple of problems too though. What if I can’t make it back to my buried treasure? What if I couldn’t find it after it was buried? These are the realities of storing all of your money outside of a central location but they can easily be mitigated. If I had a bug out location, I would bury some, probably most of my silver there. I probably wouldn’t bury much more than a handful of coins if any along the route. I would also bury a lot at my current location. If I was planning to bug out and had time I would dig it up and take it with me, but if the plan was to bug out on foot, I would only take a small amount with me in my BOB and leave the rest buried.

How much would I take? For a bug out scenario I would probably take 20 silver coins and several hundred dollars. All of this money would be divided into different hiding places and probably with different people. This way if one person gets robbed or lost you don’t lose all your money.

You may be asking what the point of buying silver is if it is going to be so hard to carry. You may be saying the same thing about bugging out. This article may be bringing up more problems than solutions but these are things to consider if you plan on bugging out. Having to bury your money in the ground isn’t ideal but neither is losing all of your money when the banks need a bail-in. Having to bug out isn’t ideal either and it helps to plan for how you are going to take your money with you or keep it safe until you can get back.

As Preppers we take steps to plan for disasters that could force us out of the comfort and safety of our homes. These threats could range from regional weather incidents

 

Practical Preparedness – Planning by Prevalence

When we jump on preparedness sites, sometimes we’re immediately struck by the enormous loads of things to buy, do, and learn. We immediately start hearing about WROL, battle rifles, ammo counts in the thousands, pressure canners, INCH/BOB bags and locations, pace count, and primitive skills. World- and nation-altering events such as nuclear war, internet-ending viruses, Nibiru, Agenda 21 and NWO, and the like pop up. They all have their places, but sometimes things get missed and it can make for a very overwhelming introduction. It can make it hard to prioritize where to spend our time and financial budgets even for those with experience and years of exposure to the prepared mindset.

To make it a little easier to prioritize, we can work in stages. We can look at what is most likely to occur in the near future and our lifetimes, and use that information to help us decide where to focus our time, efforts and resources.

Zone-Ring Systems

In permaculture, planning is based on zones. The basic premise is that you start at 0 or 1 with the self or home, and move outward through 2-4 and eventually into Zone 5. The inner rings have the most immediate contact with the resident, while the outer rings are visited less frequently. Other systems also use similar ring concepts of involvement, frequency and impact.

The same can be applied to preparedness, just like we modified a Health Wheel to fit our particular interests and needs. In this case, instead of looking at the frequency with which we’ll make contact with an area, we’ll be looking at the frequency with which things occur and impact our worlds.

Like permaculture, I’ve gone with five general categories. In this case, they are: Daily, Seasonal/Annual, 5-10 Year, Generational, & Lifetime/Eventually/Maybe. There are some examples for the average Western World resident. Later in the article there’s a few tips for planning for and around those most and least-prevalent scenarios.

Zone 1/First Ring – Daily Occurrences

A layoff can be just as devastating as a zombie invasion if you aren’t prepared.

Daily emergencies are those that strike somebody somewhere every single day in our English-reading modern life. While some affect larger groups, these tend to be personal or family related items. They’re the kinds of things the neighbors might not even notice. Some examples are:

  • Layoff, cut hours, cut wages
  • Major bills (roof, medical, HVAC, veterinary)
  • House fire
  • Major injury/developing disability
  • Theft, burglary, mugging
  • Vehicular accident & malfunction (temporarily removing transportation)
  • Temporary power outages (hours to 1-3 days)
  • Personal physical altercation (mugging, home invasion, the drunk at a bar, date rape)
  • Missing person(s), family death

When considering the financial aspects of preparedness, also consider the things that might not affect jobs, but do affect our income and-or our ability to offset daily costs. For instance, an injury that prevents gardening and picking up overtime or a second job as a stocker, pipe-fitter, or forklift driver, or a developing disability that renders an arm/hand weak or unusable and prevents needlepoint, canine grooming, or weaving.

Zone 2/Second Ring – Seasonal/Annual Occurrences

These are the things we can consult our Almanacs and insurance companies to consider. They regularly tend to affect a larger number of people. It might be a block or a street in some cases, parts of a town or county, or might impact a whole state if not a region. They’d be things like…

River ice jam flooding

 

  • Busted water mains
  • Boil/No-Boil water orders
  • Hurricanes, tornadoes, earthquakes
  • Wind & thunderstorms
  • Wildfire
  • Significant or extreme snowfall
  • Summer drought
  • Temporary outages (2-5 days)
  • River ice lockups and floods
  • Active shooter or bomb threat, terrorist events

Let’s hope that last stays firmly in the “annual” category or shifts back to the third prevalence ring for most of us. Let’s also acknowledge that in some places and nations, it’s already more common to be caught in crossfire of some sort than it is to live peaceful lives, and for some of them, it’s as or almost as common as paying monthly bills or going out to eat.

Zone 3/Third Ring – 5-10 Year Occurrences

These are the things that happen regularly, but infrequently. Some occur on cycles. Some, as with the natural disasters above, are a nearly predictable cycle. Some aren’t really predictable, per se, but as with tornadoes in one of the nations’ tornado alley or hurricane-prone areas, you learn to expect them. We can expect them to affect a larger area or more people in many cases.

  • Natural Disasters from above
  • Mudslides
  • Major industrial or business closures/layoffs
  • Drought (personal & widespread impacts)
  • Widespread livestock illnesses (such as the avian diseases that pop up regularly)
  • Temporary outages (3-14 days)
  • Changing life phases (child-birth & toddlers, school-age kids, driving-age youths, empty nests, retirements)
  • Fuel cost cycles

Zone 4/Fourth Ring – Generational Occurrences

The span covered by the term “generation” tends to change if you use the strictest definitions. Most account for a generation to cover about 20-30 years. Some examples of things that very much tend to be generational include:

  • Major wars (mental & physical disabilities, income effects good & bad)
  • Recessions, depressions
  • Fuel cost cycles (more extreme)
  • Serious multi-year “weird” weather (droughts, floods, late or early springs)
  • 25- & 50-year flood levels
  • Some diseases

Zone 5/Fifth Ring – Lifetime/Eventual/Possible Occurrences

A lot of these are going to affect not just a region, not just one nation, but many. In some nations and regions, they may fall under the fourth ring of prevalence instead of the fifth. Some of these are also the big-fear “gotcha’s” or clickbait types that seem to draw folks in. Some are truly believed in, and I try not to judge people on what they believe. Poles have shifted in the past, Yellowstone has erupted, we’ve had serious solar effects on power, and asteroids have struck our earth. Will they happen again in our lifetime or eventually? Some almost certainly. Some are a firm “maybe”. Some are … possible.

  • Great Depression
  • Devastating Midwest seismic activity
  • National or global pandemics in the Western world
  • Major Ring of Fire activity
  • Significant volcanic eruptions (the atmosphere-blocking ash type)
  • Major global climate change (for the hotter or colder)
  • EMP, devastating solar activity
  • Nation-crippling electronic-based virus(es)

Alternative Scale Systems

Like permacuture’s zoning, the business world can also give us some scale systems to apply. High-probability, high-reward, urgent-response items are given priority, while lower-chance and less-likely risks are tended to later. We can create the same for our preparedness.

Another way to look at the five rings would be to apply a timespan for event duration. Perhaps 3-7 days, then 3-6 weeks, 3 months, 6-12 months, and 18-months+.

Like using prevalence, using time spans creates a measurable scale that works off a “most likely” basis. Most of us, at some point inside 1-5 years, will have some sort of financial upheaval or power outage that makes the supplies in the first few rings useful.

Ensuring we have everything we need to cook, clean, stay warm (or cool), and pay bills for those periods will keep us more balanced in our preparedness, and make us better prepared for the things that are MOST likely to occur in our near future and our lifetimes.

Applying Prevalence Rings

It’s inarguable that if you’re ready for the New World Order to freeze the planet and then send out FLIR drones to drop nuclear bombs in the midst of a planned or unplanned foreign-nation bank account hack while satellites are inaccessible due to solar storms’ interference, you’re pretty much good.

That’s not a particularly practical place to start and it might not be the best plan for resource allocation unless everything else really is covered.

There are a world’s worth of things that occur on a small-scale, inside homes and towns, that happen a lot more frequently than the dinosaurs and mega-mammals die out.

I see an awful lot of people hyped on one thing that can go wrong and might one day go wrong, but they exclude all kinds of things that do actually happen.

They forget that we sometimes have disasters that mean daily life is taking place all around us, or in the rest of the county, state, nation and world. They neglect fire extinguishers and smoke detectors for the sexy-cool aspects of preparedness like the rifles and Rambo knives.

Fact is, most of us will experience something from the first tier or two in our lives at least once, and for some of us, they’re regular parts of life.

In many cases of upheaval and crisis, we’re still going to want electricity, most likely.

We will still have a job or need to find a new one, will still be expected to present ourselves showered and with money to receive services, will still have doctor’s appointments, hunting and squatting in county-state-national parks will still be frowned on, and combat gear in the streets will still be the exception rather than the rule.

In some cases, the duration of our life-altering events might only be a few hours or days. However, in many parts of the world, those hours or days can be seriously inconvenient if not downright deadly. The ability to keep a CPAP machine running, repair a down or wrecked vehicle, and continue on with life after a squirrel invasion or a tree comes down is just as important as defending the home from looters and making beeswax candles.

Being able to repel the zombie horde does me little good if my vehicle is in poor repair on a daily basis and leaves me stranded on my way to work. 5K-10K rounds of ammo times my 7 platforms sounds nice, unless I don’t keep oil, coolant, jumper cables and fix-a-flat or a mini air compressor in my vehicle so I can limp my way home to them safely – on a daily basis.

Prioritizing instead of jumping willy-nilly – and tracking instead of continuing to add to whatever my favorite prep stash is – can help prevent daily disasters from truly causing upheaval.

Overlap Between Rings

The nice thing about seriously assessing what is likely to go wrong based on prevalence in the past is that we can sometimes make just little twitches.

We don’t have to be ready for all-out neighborhood wars over food, grazing rights, and tickets to the Earth Arks to create that overlap.

A bug-out bag serves as a shelter-in-place kit as well as a “standard” wildfire or hurricane evac kit. Having a month or two of food (or far more) means we can also weather a big bill because we can skip buying groceries.

Image: How’s your insurance coverage?

Preparing by Prevalence

Resources like the Ready.gov site and our insurance carriers can help us determine what goes wrong in our area. We might be well served making maps using the information they give us about regular, fifty-year and hundred-year floods, wind storms, and snow/hurricane routes to apply to our walk-out and drive-out plans.

We can also use their information – like, what is the number-one thing that causes job-loss or vehicle and home damage in our area – to make sure we’re buffered against it.

  Practical Preparedness – Planning by Prevalence When we jump on preparedness sites, sometimes we’re immediately struck by the enormous loads of things to buy, do, and learn. We immediately start hearing