In the beginning, you might decide to buy food a bit at a time when you make your weekly trip to the grocery store. If you think your budget is just too tight to spend extra money building your reserves, consider this: Skipping the morning latte or the on-the-go-breakfast at the drive-thru can save you $100 a month if you're only spending $5 a day, five days a week. That's about $1,200 a year—plenty to get your emergency supply built up and invest in essential equipment and gear.
Like any emergency kit, the Pocket Survival Pak — which was developed by Doug Ritter, founder of the survivalist website Equipped To Survive — can help lost or injured explorers signal helicopters and planes, start fires, boil water, melt snow for water, catch fish, navigate through the woods, trap small animals, perform rudimentary first aid, and repair damaged gear.
If you must take regular medications for a medical condition, you’ll likely want to pack an extra set in your survival kit. You’ll need to discuss the issue with your doctor if you require prescription medications, but don’t forget about over-the-counter medications you may need too. For example, if you often suffer from heartburn, you’ll likely want to add some antacids to your survival kit. Similarly, if you have allergies, you’ll want to pack extra antihistamines, and you may even want to include an EpiPen if an anaphylactic shock is possible.
But the wrong time to change the asset allocation is when the stock market or some other capital market freaks out. We do not, for example, want to decide to dial down our stock market allocation right after some dramatic drop in stock market indices. We need to at least wait until the dust has settled and we’re sure we’re not simply emoting when we should be critically thinking.
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