I am of the opinion one must have a complete system with respect to safety of self and loved ones in addition to one's personal finance.
1. One's home should be engineered like a fort.
2. One should have their own tools, resources, fuel, energy, weapons, etc.
3. One's home should be free of all liens.
4. One's self should be free of all claims of debt.
5. One's privacy strategy should be strong.
The most important value in a time of crisis is survivability.