What if I got injured, sick, or died? What if there was an event that kept me from being able to use my ATM, Debit or Credit cards. Would there be enough money to cover everything without having to go into my savings? I know I wouldn't be able to convert or spend my silver, so what would I need? I decided to begin accelerating the payoff of some debt, and apply some of that monthly payment to some stay at home reserves. In as little as 6 months,I paid off the debt and freed up some monthly cash. I am now able to set aside some in my home safe and I am no more uncomfortable than before, I still do the things I want to do, but I have a cash reserve at the house in the event of a natural disaster that affects the banking system, like an extended power outage, earthquake and tsunami, or personal event that puts a bind on me financially. After living month to month most of my life, I feel I finally have a little bit of security... It is now part of my preps.