Seven days, which is 168 hours. It has been so long between the public message by US president Joe Biden, in which he assessed the hazard of Russian invasion of Ukraine as being “very high” and the actual start of Russian “special operation”. This is clear evidence that present in the atmosphere of precise intelligence analysis and over 10,000 satellites orbiting over our heads it is virtually impossible to prepare a massive attack with full surprise. A simple but uncomfortable question arises: you have 168 hours to guarantee your and your loved ones' safety – what are you doing?
That's the same question I asked my friends. The answers were different, but they were linked by 1 major mistake: no 1 had a plan. Everyone tried to make it only during the conversation. It is simply a clear signal that most of us live in the comfortable belief that “it will be something”.
And the example, unfortunately, comes from above. The Polish government needed 3 years to prepare “A Guide to Crisis and War” and 2 years to verify the position of existing shelters. In the Silesian Voivodeship alone there are over 1200 of them, of which 900 do not meet modern safety standards.
But that is not all. In December 2024, the then Minister of the Interior and Administration announced that 2025 would be a breakthrough year. The fresh shelters were to be built with about PLN 6 billion. However, for almost the full 2025 the government was incapable to prepare 1 paper specifying how specified objects should look and what requirements would be met. The applicable regulation did not enter into force until 28 November 2025.
Even a government application “Where to Hide” was created, where after the name of the village is entered a map appears with marked shelters and alleged “points of refuge”. Under this enigmatic term, there are cellars and underground garages. I encourage you to check for real shelters in your area. These by definition, not random rooms under the building.
Source: lusieukryc.pl
I hope you find better information there than the ones I discovered in my town. I live in a region town, little than 60,000 inhabitants. 3 shelters all over the city are able to accommodate 660 people. I can't even imagine a situation where I'd gotta fight a place with my neighbour before entering the shelter.
This absurd but real imagination has led me to prepare a plan to go abroad in case of a crisis. Not to myself. I created him for those I love and who love me. As head of the family, I consider it my primary work to guarantee their safety.
But before we go to the details of this plan, let us remember the Constitution, more specifically Article 85, paragraph 1: "The work of the Polish citizen is to defend the Homeland".
In explanation this means that all individual holding a Polish passport, regardless of age and gender, is obliged to defend the territory of the country. In practice, however, it can be assumed with large probability that in a situation of real danger the state will let women and children to leave Poland. A separate issue is whether our neighbours would be able to accept abruptly respective or even respective million Poles.
The Polish government, faced with the escape of hundreds of thousands of Ukrainians, decided to accept everyone without exception. I remember the words of then president Andrzej Duda, who, a fewer days before the outbreak of the war in Ukraine, assured that Poland would let all Ukrainian fleeing Russian aggression and kept his word. This is confirmed by the following recording from the border of March 4, 2022, in which Andrzej Duda emphasizes that even people without papers are allowed in.
]]>Statement by president Andrzej Duda at Korczów-Krakovec border crossing]]> We can look at the attitude of the president of the time. On the 1 hand, he kept his word and this decision was morally and ethically full understood. On the another hand, it was besides utilized by many men of conscription age, which, looking with a cool eye, acted against the Ukrainian state, weakening its defence potential. Here it is besides crucial to emphasize that since people without papers were allowed into Poland, we are not certain that abroad agents were among them. It is simply a possible hazard that matters in the safety of our country. Here, on the another hand, I place a period due to the fact that it is not the main subject of my entry.
Source: Jakub Orzechowski / paper Agency
And it was these facts that confirmed me that at a time of crisis everyone acted instinctively, saving what was most precious to him. The state has its responsibilities, the army has its procedures, and citizens have their families. That's why I don't want to wait until I'm in a situation where decisions should be made under force from fear and chaos.
So how do you prepare to go abroad – yours or your loved ones? Take what? Pack what? Where to go and how to safe your property? I answer these questions in the remainder of my article.
Documents
I started creating a plan by completing the essential documents. To be honest, it was the most time-consuming stage. It took me a fewer weeks, but it is the papers that can decide how to take up work, access to healthcare, get authoritative assistance, and even the right to stay in a given country.
Birth certificates
Absolute basis. They let you to confirm the identity of household members, their age and household relationships. They are essential for creating fresh documents, reporting or utilizing abroad household benefits.
Identity documents
That's passport and ID. They supply freedom of movement, the anticipation to rent an apartment, check-in or sign a contract with the employer. Remember that a passport can be obtained even for a newborn, but the validity of a kid paper is only 5 years. Therefore, it is essential to check the expiry dates, as it may prove that any paper needs to be exchanged immediately.
Education documents
Degrees, certificates and certificates are frequently the key to working in accordance with your qualifications in the fresh country. The absence of specified papers may consequence in the request to take up activities below your competence, and consequently besides below financial expectations.
Although we will inactive get to the destination, it is worth noting that in ]]>countries on that list]]> part of specified papers require additional authentication, or alleged apostille. It is an global seal given by the Ministry of abroad Affairs. You can't discuss all individual cases, so I'll advise you in general.
To get apostille, you should first arrange an appointment with the Ministry of abroad Affairs via the e-Consulat platform. You gotta take:
- printed confirmation of the visit,
- a set of papers intended for legalisation,
- completed application for apostille,
- printed confirmation of the taxation fee.
The apostille fee is PLN 60 per document. It may be a noticeable cost with more documents, but the good news is that apostille is unlimited. Thus, the authentication of the authoritative paper remains valid as long as the paper itself is valid.
European wellness Insurance Card (ECUZ)
I'm ashamed to admit I've never heard of her before. I came across her by accident, making my own plan. ECUZ is simply a simple plastic recognition card that allows basic healthcare to be utilized in all EU countries, as well as in Switzerland, Norway and the United Kingdom. You don't gotta pay anything. The card is issued free of charge and each household associate receives his own card – besides the child.
How do I draw up the European wellness Insurance Card (ECUZ)? You have 3 options:
- personally submit an application to the NFZ branch,
- send it through ePUAP,
- use the net Patient Account (IKP) – I personally chose this way.
Important attention, having a card does not mean free wellness care, but the anticipation of utilizing it under the same conditions as nationals of the country concerned. For example, in France you will gotta pay 30% of the doctor's fee, in Austria you will gotta pay the cost of calling an ambulance, and in Germany you will receive a bill of 10 euros for each day of your stay in hospital.
Source: nfz-bydgoszcz.pl
Medical documentation
A past of treatment, a list of chronic diseases, allergies, medications or vaccination certificates can virtually save lives in an emergency. This is peculiarly crucial if individual in your household is struggling with chronic diseases or disability. specified papers can importantly facilitate the continuation of treatment in a fresh country.
Most of this documentation can be found in your Online Patient Account (ICP). Just log in, go to the “History of Treatment” tab and then choice “Medical Events”. After clicking on the “medical documentation” you will find the essential files, specified as descriptions of diagnostic tests, laboratory tests and infirmary treatment information cards.
Vehicle documents
If your plan is to drive your own vehicle, a set of car papers is absolutely necessary. Registration certificate, insurance policy and valid driving licence are a basic set without which there is an increased hazard of problems during regular road checks in another country.
Notarial acts
It's the only formal confirmation that you own an apartment, a plot, a garage, a stake in a company or another asset. In a crisis situation, these papers let distant management of the property – for example, selling the property or renting it by a proxy acting on your behalf.
If you have lost a notarial record, you can get a copy of it from the notary who prepared the document, or in the appropriate judicial archive.
Testament
You may be amazed to find him on this list, but remember this is simply a plan for a crisis situation where anything is possible. The Testament allows you to kind out property matters in case of unforeseen events and will remove a immense burden from your loved ones.
Photos of papers and flash drive
Papers have a thing for each another that they like to vanish at the least appropriate moment. Let the first stone throw the 1 who never looked for an A4 card turn the flat into something that looked like a hurricane.
That is why it is worth taking clear photographs or scans of all key documents, and then saving them on an encrypted flash drive. This allows you to make an additional layer of safety in case papers are destroyed, stolen or simply lost on the journey. You will inactive have access to the basic data, and the embassy will recreate the essential papers much faster.
Money
It would seem simple. At least that's what my friends said, who, during the conversation, rapidly glued their own "backfire plan" together and convinced me with absolute assurance that they were "fully prepared" due to the fact that they claimed they had respective 1000 saved. It sounded beautiful reasonable until I asked what currency and where they kept the money. The most common answer? ‘In Polish gold. In the bank’. So full readiness – if the crisis comes down to the deficiency of cookies in the drawer.
Joke, but it's serious, due to the fact that in a time of crisis, it's money that can truly save your life and your loved ones and find the effectiveness of your full plan. What can you do to make your finances withstand a real crisis?
Cash
In a crisis situation, terminals can halt operating, banks can limit withdrawals and access to the account become severely hampered. An example? On the first day of the war in Ukraine, banks introduced a regular payout limit of 100,000 hryvnia, or about 8,500 PLN per person. At the same time, cash withdrawals from abroad currency accounts were banned and restrictions were imposed on abroad transactions.
Source: bank.gov.ua
I do not know how Polish banks would react, although I fishy that the same would be true. Therefore, having only Polish gold in cash in the face of a possible crisis is, to put it mildly, not a reasonable solution. This does not mean, however, that you should quit your native currency completely! Gold will be needed for current expenses in the country, specified as grocery shopping, filling the car or paying for assistance in transport.
Foreign currency
Regardless of which way you're going to go, you can almost be certain that they will be accepted anywhere.
So the question remains: how much money is worth having in case of crisis? That depends on 3 factors:
- Where are you going,
- as long as you gotta last on “own power”,
- How many people are active in your plan.
Nevertheless, applicable forks utilized by crisis preparation specialists can be identified. The most common figure is EUR 1 000-2 000 per person. This is the sum which represents a reasonable buffer of safety for the first weeks, allowing you to scope a selected EU country and cover the basic costs of transport, accommodation and catering.
If you already have Euros or Dollars, make certain most of them are low-denomination banknotes – preferably 20 or 50 euros. Larger denominations, specified as €200 or €500, can be more hard to exchange, and in crisis situations may even arouse suspicion or reluctance in untrustworthy retailers.
Source: CNBC.com
Access to an account abroad
The example of Ukrainian banks gives us an crucial lesson: we cannot underestimate the geographical diversification of finances. any money is worth having outside the country unless you're brave adequate to decision around Europe with a suitcase full of cash.
We have respective paths to choose from:
- a bank account in another EU country,
- a US bank account,
- fintechy (Revolut, Wise)
How to open a bank account in another EU country?
I'm not gonna lie to you. It's a very hard task. In theory, under the 2014 EU Directive, all EU citizen has the right to open an account at any time in a bank in another EU country. In practice, however, this provision is very easy avoided.
Anyone who erstwhile did a occupation at the bank knows precisely how many interior rules, approvals and procedures there. Banks are willing to base their refusals on specified records, and they do not even gotta give a reason, due to the fact that they have the right to hide their bank secret. I don't want to be a devil's advocate, but from their point of view, funds coming from abroad mean more risk. From the request to verify the origin of the money to the specificity of the abroad customer.
However, this does not mean that it is not worth trying. How do you prepare for this? The bad news is you won't do it online in most cases. You'll gotta personally study to the branch and prepare papers confirming the origin of your money. Most often, taxation returns are enough, but do not anticipate a bank worker to talk Polish. The translation of papers into the applicable authoritative language will so be an unpleasant duty.
In addition, if you want to increase the probability that the bank will accept your documents, it is worth taking care of the "apostille" clause I wrote about earlier. That's actually all you can do. The remainder is up to the bank. In practice, even after putting quite a few effort, you can hear classical “no, due to the fact that no” due to the fact that the bank doesn't gotta explain anything to you.
To my knowledge, there is simply a good chance of beginning an account without the request for individual presence in the following banks:
- N26 (Germany),
- BBVA (Spain),
- Santander (Spain).
On the another hand, people with greater financial capacity (e.g. EUR 300 000) can besides effort with banks in Liechtenstein and Switzerland (e.g. CIM Banque).
However, I would like to stress that the situation is changing very rapidly. Just due to the fact that we have the chance to open an X bank account present doesn't mean that it'll be possible in a month. So anyone curious in this subject has to either do their own investigation or turn to individual who sits heavy on abroad bank accounts.
How to open a US bank account?
Even a fewer years ago, Poles could easy open an account in large American banks specified as Bank of America, Citigroup or Wells Fargo. This frequently did not require an American taxation number and the procedures were simpler than in many banks in the EU. The situation has now changed and most US banks require an SSN (Social safety Number) or ITIN (Individual payer recognition Number).
Source: flora.eu
A individual visit to the branch is inactive frequently needed at the first account creation, especially if you do not have an SSN, although any banks let you to open your account remotely. Most of them besides require an American mailing and verification address, and if you give a abroad address, the account offer may be limited, for example, you may not have access to a credit card, full transfer options, and minimum deposits and charges may be higher.
As I mentioned, banking policy in the US is gradually becoming more restrictive for foreigners, so before trying to set up an account, it is worth contacting the bank and getting all the information needed.
Fintechy – alternate or threat?
We decision on to 1 of the most interesting but besides the most uncertain topics. First of all, fintechs will not replace conventional banks. They're alternatively his substitute. Comfortable, flexible, but imperfect.
It is actual that Revolut or Wise will welcome us with bread and salt. Online registration? No problem. A card issue? There you go. Payment from most ATMs available worldwide? Of course! Fintechs do not ask uncomfortable questions, offer bearable exchange rates and many additional features, and in the case of Revoluta deposits are protected by a bank license. So everything looks very colorful. What's the catch?
Source: nano.komputronik.pl
As shortly as any problem arises, our patience will rapidly be tested. abrupt freezing of means or blocking of the card (against appearances not so rare) will make us first stuck in conversation with chatbots who, as if deliberately, avoid clear answers and cannot say or how long the case will be resolved, or what papers will be needed. And if we yet break through this layer of artificial “non-intelligence” and get a call from a live consultant, there is simply a good chance that after talking to individual in the Ganges area we will get a light PTSD.
Then would I advise you to set up a Fintech account? Yeah. Would I put my life savings there? Nope.
Cryptovaluts
I'll admit that the memory of cryptocurrency after previously describing the difficulties with banks is putting a ball in an empty gate. The biggest advantage of cryptocurrency is their mobility. erstwhile all hr counts and packing is limited to backpacks and documents, the anticipation of “transfer” money:
- on the phone,
- in a hardware wallet,
- and even in memory (if you know the seed frame),
It's invaluable.
For those who do not know, the seed phrase consists of 12–24 simple words in English, selected from the authoritative list of 2048 words (the alleged BIP-39 wordlist). These are simple, easy to remember words, e.g. apple, brain, cake, yellow. The safety of the portfolio is not due to “complex” words, but to a immense number of possible combinations. For a 24-word phrase, it is 2 04824. So more than the number of atoms in the observable universe.
You can block your bank account, but you are incapable to lock the private key you have in your pocket. In the context of abrupt departure even more than Bitcoin or Ethereum, however, stablecoin counts. First of all, USDT and USDC, or the digital equivalent of the dollar, which is not subject to local restrictions and at the same time interchangeable almost everywhere. From local stock exchanges and global platforms operating in all corner of the planet to simple exchangeable P2P exchanges, which let you to control stablecoin to local currency in a fewer minutes. For individual who just crossed the border without access to the account and the cash, it's a solution that can virtually decide to survive.
Of course, this is not fault-free technology. It requires minimal cognition and awareness that there is no "infoline" where individual will reset the password that we will forget. incapable to store seed frame, deficiency of backup or keeping most funds on the stock marketplace may consequence in a returnless loss. Blockchain knows no mercy. Therefore, the most crucial thing is not to fall into the trap of reasoning that cryptocurrency is simply a remedy for all planet crises. In the event of an emergency evacuation, the foundation remains unchanged: cash and a functioning bank account with a card. The cryptolutes are only the 3rd pillar of security.
Gold
In addition to cash, abroad currencies or fintechs, it is worth considering gold as another pillar of financial security. For many, it is the only truly certain currency. Independent of banks and expanding protection against inflation. Already 1 uncumbered coin can importantly improve the situation during evacuation – chances of individual stopping you for specified a quantity are minimal, and smaller coins, which are even more convenient to transport, can be considered if necessary.
If you are not able to prohibit coins, gold jewelry can play a akin role. In crisis situations, it can be utilized as “a proof of gratitude” erstwhile your destiny depends on someone's competence or means of barter exchange. On the another hand, for people with a larger budget, there is besides an option to store gold in duty-free warehouses that supply safety and easy access erstwhile needed. In turn, the richest may further consider buying an flat or property where gold can be safely hidden.
If you don’t have the gold yet and you want to start your investment, I invitation you to read our text “]]>Where to buy gold and investment silver?]]>It’s okay. ” You will learn from it, among others, what to pay attention to erstwhile buying precious metals, how to admit counterfeit gold and silver and – most importantly, how to buy, not to overpay.
Potential directions
There is no 1 universal answer, due to the fact that "the best direction" depends on many factors, specified as budget, language knowledge, professional qualifications, and above all on what you anticipate from a fresh place to live. Fortunately, there are countries that are worth considering due to their location, safety and surviving conditions.
Germany
It's a choice that shouldn't surprise anyone. They are our largest neighbour, a unchangeable country offering optimal earnings, legal work, advanced levels of medical care and a large Polonia. Finally, in a crisis situation, being among their own gives real support, the anticipation of a better start and a greater sense of security.
And safety is the key word here. Although the overall number of reported crimes fell by 1.7% in Germany from 2023 to 2024, police reported an increase in sexual and bodily injury offences in 2024. The number of fatalities has besides increased – in the last 5 years by about 20%. Importantly, nearly 42% of the suspects were foreigners. A akin situation occurred in France, large Britain and the Netherlands.
The following illustration prepared by Eurostat shows data on reporting crime, force and vandalism in 2023.
- The golden colour means those at hazard of poorness – among them the percent of reports is frequently higher, which shows that the more hard financial situation goes hand in hand with a greater sense of danger.
- The blue colour represents those who are not at hazard of poverty, who have besides reported crimes, but to a lesser extent.
- Red, on the another hand, shows the combined reports, without a breakdown into economical status, giving a general image of how frequently residents perceive and study irregularities.
Source: ec.europa.eu
As you can see in most EU countries, little affluent people are more likely to be threatened and study dangerous situations. It is so easy to draw the apparent conclusion that our safety depends mostly on the region and our financial condition.
Spain
Spain's top advantage over another countries is the climate and not just the sun. This is primarily a social climate. A more relaxed pace of life, a culture based on relationships, a lower level of stress and a much more "human" approach to everyday life (sometimes to exaggeration). No wonder, then, that the British, Germany, French, and late besides Poles have chosen Spain as their fresh place to live.
Of course, immigration is simply a common phenomenon, as is besides seen in crime statistics. Spain ranks 5th in the EU on the illustration previously presented. Nevertheless, it continues to be a safe country, especially compared to Europe's more tense regions.
Daily surviving costs are lower than in Germany, although it is worth noting that the unemployment rate in the 3rd 4th of 2025 was 10.45% (at 6.3% in Germany). This may mean that fast uncovering a occupation on the place will not always be easy. Despite these shortcomings, Spain remains a country that provides peace, comfort and real space to start over.
Majorca
This direction could not miss. If you are a regular reader of our portal, you know that after years of surviving in many countries, Majorca became the place where Trader21 settled permanently. And it is not a coincidence, just as it is not a coincidence that Majorca is considered 1 of the most desirable places to live in Europe today.
You live here slower and calmer. It is an perfect destination for people who want to cut themselves off from chaos, live closer to nature and at the same time benefit from European standards of living. The climate is mild and the local community has been utilized to foreigners for years.
In the context of the crisis, Majorka has another unique asset – it is an island. On the 1 hand, well-connected with the remainder of Europe, on the another hand, giving a sense of isolation and security, distant from continental geopolitical tensions.
Of course, surviving on an island has a price, literally. Products are more costly than on Spanish land, the labour marketplace is more seasonal, and long-term rental can cost more than in large continental cities of Spain. This is so peculiarly attractive for those who already have a unchangeable financial situation.
But if you seriously consider Majorca as a place to live, whether you consider it as a contingency plan for a time of crisis or simply as a lifestyle change, I encourage you to visit our website: ]]>www.domnamajorce.pl]]>
For over 2 years we have been helping Poles find the perfect home or flat in Majorca. We supply comprehensive support, starting with selection of offers tailored to your expectations, through individual property presentations, and assistance in all formalities related to final purchase. To put it bluntly, you'll be in the best of hands.
Source: domnamajorce.pl
Switzerland
Although our full plan concerns an unknown future, it is worth looking into the well-known past, more specifically what happened in 1815. It was during the Vienna legislature that Switzerland declared its neutrality. What does that mean? That no abroad troops can be stationed on its territory, and that the country itself does not interfere in armed conflicts and does not support either side. So we are talking about a neutral, stable, over-exposed country with a advanced quality of public services.
The cost of surviving is very high, as are the formal requirements for legalization of stay. Much harder than in EU countries. As Poles we can enter without a visa, but by 90 days at the latest we will gotta leave. In order to avoid this, we will gotta get approval that can be obtained in respective ways:
- be legally employed on the spot,
- study,
- Get exile status.
So, as you can see, it's not easy, but in return we get an unprecedented level of safety and excellent wellness care. Switzerland is demanding but honest at the same time. If you're qualified, you'll find a occupation here to be well rewarded.
Source: schwiizerfranke.com
This illustration confirms that Switzerland offers any of the highest wages in the world. It shows that the largest group of women – 17.4% (orange color) earns between 4 000 and 5 000 CHF per month, or about 18,000 – 22 500 PLN. In turn, among men, the largest group, due to the fact that as many as 19.8% (green colour) is in the scope of CHF 5000 – 6000, which translates into about PLN 22,000 – 27 000. In short, Swiss wage realities make even average wages higher than specialist salaries in many another European countries.
Norway
Quiet, quiet and safe, so in short you can describe Norway. It is simply a country which builds its stableness on the State Property Fund (NBIM), immense natural resources and very advanced quality public institutions.
The Norwegian wellness service, administration and social strategy are considered among the best functioning in the world, which in a crisis situation gives predictability and a real sense of security.
Of course Norway is not for everyone. Even Westerners can be amazed by the advanced costs of living, and the labour marketplace is demanding. Without cognition of Norwegian or specialist qualifications, getting a well-paid occupation can simply be difficult. In addition, there is simply a harsh, cold climate that is not for everyone.
Evacuation backpack
At the beginning of 2024, Deputy Prime Minister Władysław Kosiniak-Kamysz caused immense confusion, admitting publically that he had already prepared an evacuation backpack. Many have received this as a grim signal that even government representatives are ready to flee if the threat knocks on our door.
I do not know how the Deputy Prime Minister would behave in a crisis situation, but I know that the thought of having an evacuation backpack itself should be promoted alternatively than ridiculed. It's part of liable behavior, not fear or desire to escape.
The intent of specified a backpack is to be able to immediately scope for it and rapidly evacuate erstwhile each minute counts. This increases our chances of safely leaving the endangered place and surviving the first hours of the crisis.
What should the emergency pack contain?
Before I go to a circumstantial description of the contents of the evacuation backpack, I would like to return for a minute to the aforementioned “Guidebook for Crisis and War” prepared by our government. I had the pleasance of reading it in its entirety, and I must admit that I found quite a few “peel”. Among them, specified advice as “do not argue with an armed person” or “obey the orders of the kidnappers.” However, in the context of the evacuation backpack my attention was caught by 1 peculiar component from the list for packing – crowbars.
Yes, in endurance films and computer games, crowbars are the hero of the first plan. Breaks down the door, breaks down the crates and mostly saves the world. However, in real life his only usage would most likely be to fight this neighbour for the last available place in the shelter. Carrying a dense part of steel weighing 1–4 kg ‘because it may be useful’ in a backpack is simply unreasonable.
The goal of the evacuation backpack is mobility – fast movement, the anticipation of running, jumping the fence, climbing the stairs or crossing a longer distance. In a real situation of escape, you will not break into another people's doors, undermine bars in windows, or break into shops. The crowbars besides take up quite a few space that can be utilized for something truly useful.
That's why I specially prepared for you a comprehensive checklist of the most crucial items that should be included in the evacuation backpack. The PDF format file is waiting for you in the tab “]]>Free reports]]>” – just sign in to your profile. If you don't have an account yet, it's the perfect time to start (]]>click here]]>). In addition to the checklist, there are besides 3 additional reports prepared by our team.
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It is besides worth noting that a possible military conflict does not necessarily mean mass evacuation of millions of Poles abroad. Equally likely is the script in which individual incidents or attacks resulting in temporary power outages happen in our territory. This in turn can lead to problems with the functioning of many elements of everyday life specified as the Internet, shops, ATMs or fuel stations. Under these circumstances, an evacuation backpack can be very helpful, even if this does not affect leaving the country.
Finally, it is worth pointing out: this plan is not to scare but to approach uncertain times responsibly. The plan is your sense of control and your calmness. And hopefully we'll never gotta usage it.
If you think this material can aid your loved ones, delight send them a link to this article. The more people are prepared, the better for all of us.
