In the process of survival, there inevitably comes a time when someone else out there as bad or worse off than you will want what you have and someone may die. Will it be them... or you and your family???
None of the money in your investments or 401K will protect your family if you don't have what you need right then and there when you need it to survive.
You can have a boat load of money in investments for retirement, that will be of little help if you can't get at it when you need it. On the other hand, you don't want to spend every penny you have without a retirement plan.
The key is balance. Both investments and survival preparation can be built up over time together in balance. If your investments are far healthier than survival preparation, and ready cash is a problem, then you might consider dipping into a small portion of your investments to get you to a level of minimum survival protection. Then you can build both in balance and be confident that you and your family have some protection when the stuff hits the fan.
If you have boat loads of cash, what the heck are you waiting for? Are you insane? Guess who has a bull's eye on their back from the start? After a catastrophe, everyone is susceptible to attack, but the wealthy are targeted first. Do you think your home alarm and the police will protect you? The police force is staffed at the absolute minimum level necessary to create an illusion of safety for the local population. If even a relatively minor disaster occurs, the police will be incapable of providing you protection let alone everyone else.
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