One of the best and most effective preps is to eliminate consumer debt. Then pay off your home. Traditionally, preppers store food and supplies. Not having some (shelf stable) food and basic survival supplies is a more modern lifestyle thing. Everyone my age remembers having some what would be considered “survival” food items as a regular practice back in the day but this has gone out of style. I’m all for having some long terms storage of food, emergency lighting, a second heat source, some kind of plan to protect in case of lawlessness and some communication device, tools and maybe barter items. But acquire this stuff after you get your debt (if you have some) under control.
“One of the best and most effective preps is to eliminate consumer debt.”
The entire grid is down, there’s no fuel, no water, no nothing. I don’t think your credit score is really going to make much difference. And who is coming to repossess your house? If they do, shoot them. (Just being a little contrarian.)