I love that SM has a dedicated subforum for money, because it's too often overlooked or considered not a part of prepping. Yet 25% of Americans have a money emergency every year, and all of the numbers are pointing in the wrong direction. Don't be the kind of prepper who puts freeze-dried food on their already-high credit card balance! I put together some (honestly) shocking facts about just how bad things are for the average America and a bunch of best-practice tips for money management: Personal finance tips for preppers For example: 43% struggle to pay for a reasonable level of food and housing. 57% have less than $1,000 in savings. 26% have $0 in emergency savings. 77% don't have enough to cover six months of expenses. 25% have at least one emergency caused by money troubles every year. But it's possible for an average person to get on track if they prioritize and stick to it. The basic steps: Pay yourself first by automatically setting aside 10-30% of your take home pay for future savings/retirement. Pay down high-interest debt, like credit cards. Build up a rainy day fund that can cover 6 months of your average expenses. This includes the SHTF cash/metals/crypto you keep around your supplies. It's OK to buy prepping basics in parallel with the previous two, but don't get into bunkers and higher-level stuff until you're standing on a solid money foundation. If you struggle with budgeting, start by just looking at how you spent your money in the previous month. When you measure or look at something, you tend to make better decisions going forward, even without a budget. We like the 50/30/20 budget: 20% pay yourself first, 50% needs, 30% wants. I have a bit of experience with this topic, so I'm happy to answer any questions!