In tandem with my other comments elsewhere on this page, I suggest a scenario 0: Use Dave Ramsey's advice (or other similar), and among other preparations have

In tandem with my other comments elsewhere on this page, I suggest a scenario 0: Use Dave Ramsey's advice (or other similar), and among other preparations have a sufficient savings account (and avoid debt and keep your costs low) so that if you lose your job or other circumstances require, you can sign up for medical insurance which you pay for. Hopefully also you have good family and/or church ties where you help others and they help you, freely, and have built these up over time. While diligently looking for work (even flex/temporary), you maintain these ties and they help you if necessary. I have written extensively at my web site. Having outside entities manage our lives by force, because of our individual failure to live a prepared, wise lifestyle, causes us to lose freedoms we won in the 1770s. But it is not to late to begin now, and encourage others. There is so much good that we can do, if we are not victims of the advertising industry but instead think, have a direction, worthwhile goals, and humility while we patiently try. It is really worthwhile. Edit: there are also other very good preparations one can make besides financial, such as basic emergency supplies and long-term food storage (wheat & beans keep well and can keep one alive), rotation, etc, without necessarily digging a bomb shelter. These and being without debt yield peacefulness. Again, more at my web site (no ads): https://lukecall.net https://lukecall.net send questions freely via the address at the footer. edit: ps: if downvoting, an explanation could help.