When Sh!t Hits the Fan

Well…2018 is about to come to an end. I’ve been “all work-no play” all year, so it feels like it flew by, even faster than usual. I’m happy because I’ve accomplished so many goals with one of them being paying down my debts. I mean I still have ways to go, but I’ve paid off over 70% of it in one calendar year…not too bad.

I didn’t really use any one system (debt snowball, or debt avalanche), I just buckled down, cut down on spending and ceased going out for a year to pay off some sh*t. I paid off which ever item would give me the most cash flow to pay off the next.

I felt that if I sacrificed a year, it would really teach me a lesson and force me to be more disciplined with my money. I’m in my 30’s so I have to start getting things in order sooner than later. I have to say that my approach is working.

But while doing research on FICO scores, credits cards and investment, mostly on YouTube for motivation, I came across a few videos that caught my attention and has me wondering…” what is this all for?”

What does happen if there is a SHTF scenario just around the corner? Is all this investing and paying off debt even worth it? Is stocking up on food and silver the way I should go instead?

I mean, some of these scenarios can be airborne diseases, water shortages, natural disasters, aliens, a civil war, market crash, Armageddon, World War 3, global warming, zombies, the “Thanos” effect and the list goes on. But there is one that I fear can happen more others and that is an EMP.

Riot police move forwards towards burning waste bins and rioting.

I’m not going to sit here and explain what an EMP is because frankly, I’m no expert on the subject. But I’ve seen what happens in my city when the power is off for just one day and I can tell you they’d be lost after the 3rd.

Most people can’t survive a minute without a cell phone, especially the teens and millennial. If cars aren’t working, good luck with that, especially if you are Canadian like me and it happens in the winter.

I know I’d be f*cked as I’d have no water supply, no food, no weapons…nada. I’ve heard of these SHTF concerns before in ‘99, you know… the whole Y2K scare. But this time around, it’s seems a little more convincing, a little more real.

And with all these end of the world, apocalyptic movies, it’s kind of hard to sit here and say that it can’t happen. And if things do start getting chaotic, do I want to be one of the unprepared dumb-asses when it starts going down?

On that note, one of my goals for 2019, is getting myself a gun license for my birthday and then, a gun as a present to myself for paying off my debt! I feel now’s as good of a time as any. Something wicked is coming our way and I feel it all begins next year. I don’t quite know what it is, but it’s coming.

And it’s not just me that’s been thinking this way, many people have shared those same concerns with me for 2019, and I was never the one to bring it up. In fact, I don’t really share my concerns and fears with anybody.

Anyways, this was just a string of thoughts and a little insight on what I will be focusing on next year. I’ll be talking more about paying off debt and financial goals and I hope those of you reading this are also thinking of doing the same should you not be where you need to be financially.

I don’t want to be near that fan when the sh*t hits it, I’ll tell you that much.


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