A good way to sidestep CBDC is to have possession of physical metals, like gold and silver.
Go thru your family heirlooms, in search of sterling. Kids these days have zero interest in family furniture, china, furniture.... get rid of what you must, but absolutely RETAIN your sterling, silver/gold jewelry - this stuff will be highly prized, and a source of real wealth, come CBDC iron-fisted control.
And, while you still can, consider *trading* your worthless fiat for gold, and silver especially.
How do you spend it?