Here is my 2 cents. Inflation will usually drive up the cost of debt. So start paying cards down, if you can get a fixed rate on your home, that is likely to be a good idea, if you can find it. The CDC suggests you always have an emergency stash of a couple weeks of food and water. I've never done it, although during Covid, I did fill a box with food. Prob not even a week. I am putting together an emergency stash. I feel a bit silly, where I live you don't need one. And if there was an emergency big enough to get to us, a month of supplies prob wouldn't be enough.. I drive a real old Prius, the wife has a Corolla, and we don't drive all that much. In any case, the price of gas and other carbon fuels will stay high, might go higher once Europe starts screaming at us to send them oil, and they will. Food prices will go higher, there are a ton of ways to economise on food. I was real poor at one point, I made a big pot of food, and just added spices and stuff each day to change the flavor. A pound of chicken thighs, a bag of lentils, and a bunch of veggie stuff, celery, carrots, you know the drill. I'd get several meals, and it didn't cost much. I had a good bakery down the street, and had it with Russian rye bread and real butter. That added a bit to the cost, but it was so worth it. When I was a kid in the 50s and 60s, working class neighborhoods had a lot of kids, and feeding them economically was an art and a science. Meatloaf was almost a religion.
