The ideas of John Bogle are good financial advice. I suggest starting with "Develop a workable plan" on the Bogleheads wiki [0]. When you have sound financial p

The ideas of John Bogle are good financial advice. I suggest starting with "Develop a workable plan" on the Bogleheads wiki [0]. When you have sound financial planning, your income should be higher than your expenses and you'll start saving. Saving and having an emergency fund are crucial, in any time period, but especially during uncertain periods such as we're starting to see now. Make an honest list of your actual expenses of the last few months and question wether each one is worth it. House, car, Starbucks, gym, takeout, ... where can you save meaningfully? If you've already saved some money, consider spreading it. Different accounts at different banks. ETF's with broad exposure and large capitalisation. Perhaps a little bit in alternative sources of value like gold or crypto, in case financial markets become unstable. If it really goes to shit: oats are a cheap food with good caloric value. Easy to store for a long period of time. Actually look at the prices of the things you buy and compare it to the value of oats. That ~5$ latte at Starbucks could keep my family fed for a week on cheap oats from Costco [1] [0] https://www.bogleheads.org/wiki/Bogleheads®_investment_philosophy#Develop_a_workable_plan https://www.bogleheads.org/wiki/Bogleheads®_investment_philo... [1] https://everydaythrifty.com/grocery-store-price-comparison/ https://everydaythrifty.com/grocery-store-price-comparison/ 5$ * 0.06$/oz = 83 oz = 5.1 lb.