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Another thing to think about: how are you going to get at your fresh water and MRE’s if they’re under water, reduced to ash and steam, or buried under rubble? Granted, if you live in cave this may not be an issue provided that the roof doesn’t collapse and it doesn’t flood. There may be some old missile silos that are more affordable properties, but is someone that well prepared going to have a family that can put up with being in his company 24/7 for an extended period of time?

You can’t be prepared for every eventuality. And the bomb might fall on your house first.

But reasonable, common sense preparations could very well mean that you would survive the initial tumult of a disaster. Odds are much better for you if you get through 3-6 weeks, maybe 6 months.

I’ve got a SIL that is living week to week on the generosity of family because she thought it was stupid to save for the future when she might die tomorrow. Well, she didn’t die, but she is living in Hell now. And it’s going to get a lot worse when mommy dies and can’t send her money every month anymore.

Another thing to think about is that the disaster does have to hit you directly it only has to cut off your food, water and power. You say that you've been caught off guard by two major hurricanes and a couple of tornadoes and yet you've learned nothing, which in itself tells me much about your mind set one which repeats the same mistakes over and over again. Yes you got by, but did you ever consider that you got by with luck. I find it odd that so many who don't prepare or look down on those that do say things like: “Why should I prepare it will just all get destroyed or I won't be able to get to it or we will all be dead so it doesn't matter.” That's BS! In most disasters many many people live, very rare are the disasters where everyone is killed and everything destroyed. As I posted a disaster does have to hit you directly it only has to cut off your food, water and power. But you go ahead stand on the side of the road begging for FEMA to feed and provide for you and your family. Don't take care of your own, make sure you and your family are on tv lined up awaiting the ‘guberment’ to help you. Me I don't wish to be at the mercy of some bureaucrat. Some people are ants some people are grasshoppers. I hope you find being a grasshopper works for you.