Financial Survival – Prepping For a Job Loss and Financial Independence


As survivalists, sometimes it’s easy to get caught up in preparing for the big SHTF type of disasters, while ignoring the more minor disasters, even when the latter are much more likely. There are so many types of Hollywood-esque disaster threats out there; Pandemics, Solar Flares, Civil Unrest. If you’re like most preppers, these are the types of disasters that were first on your list when you started your preparedness journey.

I mean let’s be honest, if someone asked us when we first started prepping:
“Oh you’re a prepper? What are you preparing for?”

I doubt the answer would have been:

Being a modern survivalist means that we are prepared for ALL of the disasters life throws at us, not just the SHTF, Doomsday scenarios. When you take a step back and evaluate the likelihood all the big disasters you might face, a job loss or loss of income is likely to be very high on that list…a heck of a lot higher than zombies and pandemics.

Whether we like it or not, money makes the world go ‘round in today’s modern age. Even though a SHTF could potentially make us all unemployed tomorrow and completely destroy our modern financial system, right now I don’t think there’s any bank willing to barter booze, bullets and silver for a mortgage payment, so taking some time away from the beans and bullets to prep for a job loss is probably a good idea.


 There Is No Such Thing as Job Security 

It doesn’t matter if you’ve been with the same small company for 20 years or are the head of Google itself, job security is a myth. Every employee is expendable. Despite what the politicians want you to think, our economy isn’t getting better. If you know anything about how money is created in this country then you know that it is mathematically impossible for our current economical system to actually “recover”. We may see some ups and downs over the next few years, but overall; most businesses today are struggling and will continue to struggle until the unavoidable economic collapse is upon us.

Labor costs are the biggest expense for nearly every business. With the coming changes in national healthcare (debate for a different day), those costs are only going to get higher. Businesses will either need to raise prices or cut spending to compensate. Most will choose to cut spending, and regardless if an employee has been around for 20 years, if a business owner can hire someone new for half of what the tenured employee is making for the same job, keeping the doors open is going to trump employer loyalty every time.


Always be ready to find another job

So many people today get into a comfortable position with an employer and plan on staying these indefinitely. They pay very little attention to their marketability as a potential new hire and most don’t even update their resumes, let alone continue to network with potential employers. Here is a list of general tips that are important for any employee:


  • Update your resume every 4 months – This may sound excessive, but you never know when you may need to use your resume. You may not even be in the market for a new job when a new opportunity comes around, but if your resume is always updated, you’ll be ready for it. Make sure to add any awards, new contacts or references, special projects or anything else you may have accomplished within that quarter.
  • Keep your contacts list updated – Think about any person that could potentially be useful in helping you find another position – make sure their name, phone number, email address and any other important information is saved, backed up and up to date.
  • Stay in touch with your network – You never know who may be able to help you secure another position. Old co-workers, former teachers, even competitors in other companies, keep in touch with these people periodically; you never know what type of opportunities they could push your way.


Save, Save, Save….and oh yeah, Store food too.

 A lot new preppers ask me the first thing they should do to start prepping. My answer always confuses them. I tell them to take 10% of their paycheck and put it in the bank or some other secure form of storage. I also tell them to add another $5-$10 onto their expected grocery bill every trip and invest in log-term storable foods. (Usually they’re disappointed I didn’t talk about “bugout bags” and AR15s)


When preparing for a job loss, savings should be priority #1. Getting a new job is easier when you’re already prepared for it, but it’s unlikely you’re going to find one immediately. Having a solid, 3-6 months’ worth of income saved at all times turns this “disaster” into an easily managed speed bump. Storing food goes hand in hand with this as it allows you to reduce your monthly spending significantly if and when you do lose your job by simply living off your preps and not going to the grocery store every week.


Do you even want to be an employee anymore?

All these suggestions are great ways to help you become more prepared to be without a job or help you find a new one. However, take a step back from these ideas for a second and ask yourself something: Do you even want to be an employee anymore? Modern Survivalism and preparedness is about detaching yourself from systems of dependence and making ourselves responsible for our own survival, whether than means food production, security, power, water, money…you name it.

Being an employee doesn’t make you any less of a prepper, especially if you’re prepared to lose that job and have a system in place to get a new one and thrive in the meantime. However, the fact remains that you’re still relying on someone else for that paycheck. Even if we take all these steps and are ready to face unemployment head on, the fact remains that we’re still relying on “someone” for that paycheck to pay the bills even if we land the “dream” job.

If you’ve ever even considered opening your own business, maybe it’s time to really think about what it would take to get it off the ground. You don’t have dive in head first, spend your life savings or even quit your day job to start a business. Take a look at your hobbies, your passions and the things you enjoy more than your day-to-day job and think about what you could do to use those hobbies to generate income.

You don’t even have to have the goal of complete self-employment in mind. Even a simple side business is a great way to work towards financial freedom and preparedness. You could sell produce or homemade products at farmers markets. You could refurbish furniture for resale. Heck you could simply resell items picked up at garage sales on ebay for a profit. Enjoy writing? You can start a blog about virtually anything.

For people truly living the preparedness lifestyle, losing a job isn’t a disaster; it’s an opportunity; an opportunity to start a new chapter in their professional lives. As preppers, it is our responsibility to take back control of our financial lives, detach ourselves from the “normal” paycheck to paycheck lifestyle and truly gain back our independence from the rest of the dependent world around us.

What have you done to work towards financial freedom? Are you a prepared employee or working towards financial independence with your own business? Tell us your story in the comments section below!

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