💰️ Basic financial disaster prep steps

This is something I have personally done. I am not a financial advisor, and I am not advising or telling anyone to do any of these things. This is simply me sharing my personal experience/choices and what I have done to prepare for financial disaster.

1. Liquidated my slush investments and transferred them to savings; sent all savings to RBC Canada
2. Changed all direct deposits to the RBC US account for fast transfer access across border if SHTF
3. Purchased and verified we had metals on hand (silver and gold); enough to cover one week of groceries/fuel for vehicles, crossing border, and plane tickets
4. Put a small amt of investments in gold ETF; went with FSAGX as it's largely international. If you can, it's better to have it in something physical, like PHYS.
5. Rolled my HSA into Fidelity since they are insured (unlike Optum, I hate Optum). Letting it hang out in a interest generating money market fund to insulate from market volatility.
6. Realigned my current 401K to mostly international funds and completely divested of bonds.
7. Rolled TSP retirement into Fidelity IRA and letting it sit in money market vs investing to insulate from market volatility. TSP checks are written by the US Treasury and the G Fund is a borrowable fund the government out of any contributions from workers putting their money into it. I don't trust that I would see that money again. If I could do it again, I would move my IRA into HSBC and use that to get HSBC UK premier.
8. Opened an IBKR account and a WISE account and invested some savings into more stable foreign currencies (CHF, SGD, NOR, EUR, AUD). I went with both to diversify.
9. Opened a BullionStar Singapore account and used WISE to transfer SGD through PayNow instantly to BullionStar. Purchased gold through their Bullion Savings Program since the fees at this point are quite low (0.09% per year) to be held in their Singapore vault. You can also use the New Zealand vault.