How much cash to keep at home for an emergency
Size the cash your household needs when ATMs and card readers lose power: a two-week formula, which bills to hold, where to hide them and the insurance limit.
What to stock, how much per person, which corners of an ordinary house hold it, and how to use it up before it goes bad.
Size the cash your household needs when ATMs and card readers lose power: a two-week formula, which bills to hold, where to hide them and the insurance limit.
Other sections
Threats and scenarios
Grid-down living
Home defense and security
Bug-out and evacuation
Communications
Medical when help is delayed
Family emergency plansEvery family that starts prepping hits the same wall: the lists are endless and the money is not. A good stockpile is built in layers, cheapest and most likely-needed first, so that each dollar buys another day of independence.
The official starting point is modest. Ready.gov recommends one gallon of water per person per day for several days, a several-day supply of non-perishable food, a radio, flashlights, batteries, a first aid kit and a handful of tools (build a kit). That covers a storm. This section takes you from there to two weeks, then a month, then the deep pantry that carries a household through a collapse.
It is the cheapest prep and the one you die without fastest. We cover containers, how much a household really uses, and treatment for when the stored water runs out.
A stockpile of food nobody likes gets thrown out. We favor buying extra of the canned and dry staples your kitchen uses now, first in, first out.
About half of Americans take a prescription medicine every day, by the same federal count. Refills, over-the-counter basics, soap, bleach and trash bags matter as much as food.
Batteries in the sizes your gear uses, lantern fuel, propane and stabilized gasoline, stored safely and cycled through.
Card readers and ATMs need power. Small bills are part of the stockpile, and our guide to how much cash to keep at home shows how to size the reserve for your household and where to hide it.
Gardening, canning and raising food are long-term homestead skills. This section is about buying, storing and cycling supplies for a crisis, and about fitting them into a suburban house or a rural lot without a basement full of mystery buckets.
Once the stockpile exists, protect it: see home defense on keeping it out of sight.