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This week we continue the development of your individual emergency preparedness program through the analysis of dependancy on critical infrastructure (CI).  Finance and the financial services industry are subject to infrequent outages that may cause significant disruption in your life dependant on your reliance on the immediacy of access to money, or simply bad timing.  When the point of sale fails at the grocery store and you just rung up $200 in groceries, can you pull out that cash to cover them - or will you have to walk away?  Insurance is the modern form of risk transfer - do you have enough and the correct coverages?  Do you understand lawyer speak?  
Your income.  Families with a single source of income are facing considerable risk - COVID-19 has shown us that in a very short period of time, your principle line of income is gone.  Do you have others?  Side hustles, part time jobs? Other family members?  Even small lines of income can cover food, electricity etc in times of need.  Remember, it is your responsibility to fund the requirements of your life and those for whom you are responsible, not the government's.  If you lost your job today. how long would it take you to pivot to another field and resume income earning?  Have you covered that period with savings, or are you relying on the generosity of taxpayers?  Your risk tolerance drives these choices.  

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