to draw on my honesty and experience to teach and encourage others to be prepared. Stay up to date on prepping tips, articles, and adventures in the rural by visiting my facebook page! New friends are always welcome. 11 Responses to Financial Preparedness -- How to Get Out of Debt Getting out of debt should be a goal, but the Dave Ramsey approach could have you putting off important purchases such as a set of radios for each member of your family, a reliable vehicle to get you out of town once the SHTF, and access to rural property where you can lay low and grow your own food. I have a child with special needs. I also have high-deductible health insurance. Many of my daughters needs are not covered by insurance anyway, so I am carrying tens of thousands of dollars in debt. Because her needs are ongoing declaring bankruptcy is not practical because I will soon be back in the same position again unless I simply stop providing the care my daughter needs. Maybe one day I can pay off these debts. Maybe one day I'll declare bankruptcy. But the reforms of 2005 mean that ALL (100%) of my disposable income will go to paying off debt for five years because our family earns more than the median income for my area. If a disaster scenario is an economic crisis, it's possible that most people will find themselves drowning in debt just to scrape by. In such a