If you remember reading a guest post last year about a woman who retired at 44, you might also remember that I promised to try and get her to write another post here on the blog since everyone loved hearing her story as a non-blogging early retiree. She and I have become better friends since that post and talk to each other via text or other social media channels pretty much weekly.

She’d thought about writing a few different posts for me to share, but for the most part, her early retired life doesn’t involve a ton of screen time, so it kept being pushed to “later.” And then COVID-19 descended on us all, and she felt inspired to write up a post about her family’s experience with testing out their emergency preparedness supplies. I was very excited to share that story, and encouraged her to finish it, and here is that story. I’ll turn the rest of this over to Liz, and if you haven’t read her initial guest post, I highly recommend you read that one as well to learn her backstory of how she is so financially set for this current recession and instability of life.

This post may contain affiliate links. Please read my disclosure for more info.

Tread Lightly Retire Early Readers!  Hello!  How are you today?  I’m feeling a tad anxious some days, very grounded on others, and wavering between the two on most.  While I feel some underlying frustration, I feel super lucky.

My life has not been turned upside down since I am financially independent already and opted out of work nearly 3 years ago.  Last June, I wrote a guest post sharing my finances and my retirement plan.  I had been working on a follow-up post but the topic I’m exploring doesn’t currently resonate with me for obvious reasons.

I felt inspired to write a little about how the Covid-19 quarantine provided an opportunity to test my family’s emergency plan (or lack thereof) and the needed motivation to take care of some financial organization/estate planning things I had been putting off.

Holes in My Family’s Emergency Financial Preparedness Plan

You may or may not remember in my last post that my partner and I handle our finances separately.  This arrangement works splendidly for us – we are accountable to each other but manage our own finances.  I was already FI when we married but a year away from peacing out on work.  We did not execute a prenup before the wedding, for a lot of reasons, but mostly because I didn’t think it was necessary.

Shortly after I finalized my divorce from my kiddo’s Dad, I hired an estate planning attorney and put all my assets into a Trust with my then toddler as the primary beneficiary (also executed a Will and Advanced Healthcare Directive).  If something had happened to me, it was important that I jumped through those legal hoops for my daughter and for whomever would have to pick up the pieces after a catastrophic incident, just in case.

Every bank and brokerage account or other investment (including our home) is owned by my trust or the trust is the beneficiary.  At this point it’s important to note that I’m not an attorney and only know enough to be dangerous about estate planning (also that every state has different laws!).  So please do not construe any of what I’m discussing as legal advice.  Use my oversight to consider your own situation and make sure you have your financial house in order.

Flash forward to the present day.  My partner is a nurse and the constantly changing and possibly deadly situation had us both having minor freak-out episodes.  He could be exposed, could bring it home and either or both of us could fall ill.  In the midst of one, I remembered we had been procrastinating on updating the estate planning and because we have all our finances separate, neither of us knew much about the other’s finances.  So, we got to work and did the following:

• Listed all of our bank accounts, savings, brokerage and credit cards with the account numbers, websites and login information.

• Identified any automatically paying charges on those accounts.

• Added each other to all the accounts that were easy to add to – since mine are all in a trust, I’m still jumping through hoops trying to get my partner added, and things are in process but I’m added on all his accounts.

• Listed out our life insurance policies, amounts and numbers and phone numbers to call.  Note:  I know life insurance can be a contentious topic with the FI crowd.  My policy has a specific purpose and my partner gets a small no-cost one through work as a benefit.

• Partner gave me the phone number of his HR department should he become incapacitated.

While I’m still not done with all the tasks I need to get all of our accounts titled the way we want, going through this process made us both feel better.  We both have a road map of sorts to be able to manage the other’s finances if one or the other of us fell ill.  

It seemed more urgent since my partner works in healthcare but I think it’s important for all of us to think through our financial picture and patch the holes we find, even if they are just temporary ones.  We are going to formally update the trust once we are through the crisis phase of the pandemic but what we have (we think) will suffice for the time being.  Did I miss anything?

(Angela: here’s a link to a FABULOUS In Case of Emergency Binder from Smart Money Mamas that I highly recommend if you haven’t done this yourself, or are worried you’ve missed something)

The Gaping Holes in My Family’s Disaster Preparedness Plan

Perhaps more urgently, I uncovered some other holes in our basic survival preparedness plan.  I *thought* we were well-prepared.  Come down memory lane with me.  In January 2010, Haiti experienced a catastrophic 7.0 magnitude earthquake, 6 weeks later, Chili experienced an offshore 8.8 magnitude quake.

Shaken by current events (pun intended), I got my butt in gear to create a disaster preparedness plan for my little family, which at the time was my 2-year old and me.  I live in Southern California so having a basic plan whether you consider yourself the prepper type or not is a good idea.  An earthquake (or wildfire) could devastate the infrastructure of my city, so I followed the basic recommendations and purchased an earthquake kit in a bucket and added the recommended 3 days of water plus a few more gallons, an additional freeze dried food (hereinafter referred to as FDF) bucket, a couple of tarps, some rope, a couple of extra flashlights, a first aid kit, a couple warm blankets and 5-6 rolls of toilet paper.

I prepared a separate backpack – a “go bag” – with a gallon of water, a couple days’ worth of freeze dried food I skimmed off the kit, my Jetboil camping stove, matches, a water purification thing, a roll of toilet paper and a couple of changes of clothes that fit my kid and me at the time.  

It made me feel better to do all those things and I would have felt like a completely irresponsible parent if I hadn’t!  I have continued to replace our earthquake water supply with newer water every 18 months or so and keep the go bag handy but haven’t given the earthquake buckets much other thought (other than moving them into a hard to access spot in our shed).

Real Time Emergency Preparedness Test: COVID-19

Fast forward a decade.  I received a text from Angela on March 8th – it said “Ahem.  Your friendly neighborhood reminder to be sure you have at least a few weeks of food on hand.”  My response, “Definitely do!  thx”.  I moved on with my life still blissfully unworried about the Covid-19 situation.  We always have a decent supply of food, currently have an abundant winter garden, plus we reclaim rainwater so have a couple hundred gallons of water we could purify if needed.  But Angela’s text got me thinking about that FDF and my long-ignored earthquake buckets.

A short 5 days later, California public schools announced a shut down, my partner’s hospital started to prepare for a disaster and people stocked up like we were about to experience a Category 5 hurricane.  This was all before the imposition of shelter in place and physical distancing rules.


Just showing off part of our copious winter garden.

The next day I pulled out the go bag, precariously climbed and rearranged to get to the earthquake and FDF buckets and pulled them down.  The earthquake kit has nearly everything on the recommended checklist (I can’t remember if I ever actually looked prior), and I checked out the FDF choices since we decided to augment our current food situation with the FDF.  “It will be fun, like camping out”, we thought.  It was 10 years old but we thought it would keep us out of the grocery store as well as reduce the strain on the delivery situation.

The earthquake kit in a bucket I bought in early 2010 – the food was terrible but the rest of the stuff helpful in a disaster.

At lunch, I decided to cook up some vegetarian western stew from the kit.  I opened the bag; it smelled salty and almost metallic but looked like food so I threw it in the pot with water and started cooking it.  I ran outside, cut a couple leaves of Swiss chard out of the garden, cut up a carrot and a piece of celery and threw it in the pot for some fresh veggies, you know, to balance things out.  It didn’t smell any better after the 25-minute cook time but we tasted it hopefully.  And then tasted it again.  My partner and I each had 4-5 small spoonfuls of the stuff and it was inedible, so inedible, we threw it out.  The tiny amount I consumed gave me heartburn.  I left it on the stove to cool off and the smell started to get to me even after just a few minutes.

The notorious, now empty, FDF bucket. It still smells funky.

The following morning, I tried out the blueberry pancake mix.  “How bad can it be?” I kept thinking optimistically.  I had been craving pancakes.  Thankfully, it took only a couple minutes to prepare but the pancakes turned out bitter and didn’t taste anything like any pancake mix I’ve ever eaten before.  I opened up a few other FDF packets of different flavors and none smelled like anything I, or anybody else should eat, so I threw them all out (note:  it hurt me to throw it out because I abhor food waste).

I’ve eaten camp food, including FDF before, and enjoyed it.  Maybe I liked it because I hiked 10-15 miles before consuming it and my body was craving sodium?  Maybe it is so heavily laced with preservatives that my fresh food eating habits made those tastes terrible?  Maybe the FDF had gone bad?  It has a shelf life of 20 years if it was stored at a 75 degrees and lower temperature, and it for sure got hotter than than the ideal storage temperature.  Maybe the stuff was inedible in the first place? (Angela: clearly I need to eat my favorite Mountain House meal again one of these days to figure out if I do like it outside of backpacking trips)

I did some quick internet research and the consensus is the FDF I purchased probably never tasted good.  I couldn’t figure out if it had actually gone bad but had no desire to be my own human guinea pig in this experiment.  If we were in a real emergency, there is no way I would want anybody eating that crap and with the heightened anxiety in an emergency situation, I would want the food I’m consuming to provide me and my family sustenance and comfort.  I don’t think I thought through how important it is to have our food provide comfort before the quarantine.  

Quarantine is a Great Time to Test Preparedness

That is the long-winded story of how I inadvertently stress-tested the food piece of my disaster-preparedness plan and epically failed!  But I failed during a quarantine and not during an infrastructure destroying earthquake (or wildfire), so I’m incredibly lucky to be able to redo how my family is going to handle our earthquake preparation.  I’ve worked on a list of food we would like to eat (Angela: here’s mine) if we were without running water, electric and gas (depending on the time of year, our solar panels could help us keep some stuff refrigerated).

My plan is to get shelf stable food that we enjoy eating, store it in the earthquake food bucket in an easy to access spot and put some notifications on my phone to check on it once a year or so.  I don’t feel like I need to buy freeze dried food, but if you decide to go that route, try it and make sure it’s something you and your loved ones will eat!  I won’t bore you with my family’s list but I will mention that I added instant coffee as the first item.  I couldn’t imagine going through a disaster without having access to copious amounts of caffeine (it’s my stress drug of choice).*

*We nearly always have an extra pound of coffee beans around the house but if we didn’t have electricity I couldn’t grind them, thus, the instant coffee.  (Angela: my husband also bought me a hand grinder, so I actually can grind coffee without electricity – though I have to admit I haven’t used it yet)

Have y’all communicated with other folks who might need access to your finances?  Have you stress tested your disaster preparedness plan?  Anything else along the lines of these topics you want to share?





26 thoughts on “The Real Life Test of Emergency Preparedness (Guest Post from the Non Blogger Early Retired Lady)

  1. We were not prepared at all to shelter in place. Luckily, I saw it coming and went shopping before the lockdown. I got shelf stable food and we’re set for a while. I’ll keep replenishing these so I don’t think we need an emergency bucket. Now, we have enough food for about 2 weeks. If it takes longer to recover than that, we’d probably head off to my brother’s place. In case of an earth quake or something like that.

    We also need to find an affordable estate lawyer. I checked out 2 places and they both charge about $2,000 for to do a Will. That seems expensive to me.

    1. Having those emergency foods in place in case of earthquake etc should be something you keep up now for sure. And from what I’ve heard, $2,000 is probably pretty reasonable.

    2. Hey, so I don’t know your situation or state’s laws but I think more than a Will is necessary (you likely also need a trust) and honestly, I think it’s worth it to pay for the peace of mind that someone is doing it correctly. I’m a big DIYer and even do my own taxes despite having some complicated things going on (I paid for a few years and my CPA didn’t seem to help any more than turbotax!). I would pay the legal fees – in most cases an estate plan is a flat rate. You could likely get quotes from several and see who you most feel comfortable with (and also ask your friends for referrals).

      Thanks for stopping by!

  2. Thank you for reminding me to at least update my financial binder in case anything happens to me. I’ll start that this week. Other than a ton of pantry staples and a freezer full of food, I don’t know that I’m really prepared for a disaster.

    1. Yeah, I need to *finish* our emergency binder. I’ve started it a number of times, but it definitely isn’t complete.

    2. You might be ok on your shelf stable food. Things can get tricky if your infrastructure were not functioning for a day or week, so that’s where just a little more preparation might make you feel confident. Depending on what part of the country you live in, this may be more or less necessary. Though I despise purchasing bottled water, I think it’s a good idea to have a few gallons handy almost anywhere you live.

  3. For us, this whole situation definitely highlighted how unprepared we are for an emergency. Which is really ridiculous since I work in an area that frequently deals with disasters (usually ice storms, here). We’ve done some work on it over the last few months, but this definitely brought to mind some things I would not have thought of so thanks for that!

    1. Thanks for reading and commenting! I’m so glad that I may have added some value to your life, as that was my intention. Ice storms can knock out power and water if I’m remembering correctly, so it’s good to have a contingency plan for that.

    2. Well, no better time than the present to be prepared for all kinds of emergencies!

  4. That totally sucks about the food waste but we love Mountain House and Peak Refuel. We eat a lot of FDF when we go backcountry camping which is basically a stress test of our emergency preparedness. I have put together an emergency kit too. I added survival books and I want to put in inspirational notes as a reminder to hang in there and keep surviving!

    1. Thank you for the tips. I’ve not heard of Peak Refuel but you better believe I’ll be trying a few once things are back to normal. I’m still going to stock shelf stable stuff as opposed to real camp food in my kit, mostly because I think for me that it’s important that I actually CHECK on it on a regular basis, like once a year, unlike I did for the past 10 years.

  5. I’m glad you came back for this special edition! I missed your first post so it was a double bonus read today.

    I keep telling my partner that we need to cook up our Mountain House meals so we know how to do it and know what they taste like. I’m going to be waving this post at him this Friday when I make it a Camping At Home night. I appreciate the ammunition 😁

    We did our trust and wills and all that a few years ago but we did leave some of the harder questions unanswered. It’s time we cracked that open again and start answering some of them. I’ve also finally opened up a password keeper account so that we have a shared passwords account in case anything happens to me. I manage all our money and if I were out for a week even, he’d be in trouble as he hasn’t had to pay a bill or manage investments in years.

    Our stress testing is patchy but I’ve been slowly spending time and money on getting ourselves properly prepared: we needed more light sources, a safe alternate way to heat food and water in case our stove stops working, and probably most critically more long term large water storage containers that are manageable by someone my size with joint problems. I always appreciate posts like this that talk about what worked well and what didn’t so I can shore up our own preparations.

    1. Awesome! That comment made me smile. Having a password keeper account is a good idea, though we wrote everything down on paper to begin with. Truth be told, we have some difficult estate planning conversations we want/need to have with my kiddo’s Dad, nothing that is dramatic or anything but stuff along the lines of if something happened to me, how can we assure that my child’s Stepdad gets to remain in her life. Also I think more work needs to be done on both of our Advanced Directives.

      I’m curious how you plan to teach your partner to pay the bills or manage the investments. Are you going to walk him through it yourself?

      I can’t remember where you live, we only keep a 3-5 gallons of water on hand but we capture rainwater off our roof that could be purified (except in the summer, it goes to zero).

      And have fun with those Mountain House meals. Cook s’mores with them!

  6. Liz! It’s so nice to hear from you again, even if it’s not in person like last year!

    One thing that Revanche mentioned above that I’ll build on is the importance of a location with all accounts. Mindy and I have a load of accounts and if we croaked without instructions, it would take someone a long time to figure it out. We keep all of our account information in a password protected document that is further protected by secure software. There are many ways to do this. Password storage products like LastPass usually have this feature.

    “I don’t think I thought through how important it is to have our food provide COMFORT before the quarantine.”

    I know, right? It’s the little things are suddenly so much more important now. Just getting outside on a warm day feels incredible.

    1. Ya, we need to figure something better than the spreadsheet they are on currently. When I was working I had one of those password storage products but as my life has gotten simpler, I felt like I didn’t need it, but the truth is, I really do. Thanks for the tip on LastPass. I can’t remember the one I had at the moment but Password safe seems to come to mind.

      Is it spring yet in Colorado or are you vacillating between snowstorms and 70 degrees still? Cheers man! Thanks for stopping by.

  7. I feel so very fortunate that I am an extremely prepared and experienced backcountry hiker/backpacker. This allows me to have all the emergency equipment, cooking tools and of course a healthy stash of backpacker meals. Great article for those of us here in the PNW which are susceptible to endless disaster scenarios. The one we have had a couple times in recent years though is prolonged power outages to huge windstorms which in the PNW with our massive trees means lots of down lines.

    1. Interesting! Ya, you probably have some good, easy to use, and non space hogging equipment if you are a backcountry person. I’m in SoCal and in my 20 1/2 years here, though I have in my head to prepare for the “big one”, the reality is that wildfires happen more frequently. The preparation is pretty similar – of course, I need that defensible space (which I have) for a wildfire. Any good recommendations on backpacker meals?

    2. Backpacking/hiking supplies definitely make up the core emergency preparedness for us as well. Love that it does double duty!

  8. This was an awesome read and I love seeing the various perspectives, depending on people’s particular situations. I am a big consumer of writings like these and comparing to what I am doing and where I fall short. I am doing a very poor job with the Documentation binder. I realize it’s importance but it seems such a huge challenge to gather everything and start compiling/documenting, an activity that would take a significant chunk of uninterrupted time. I am doing well on the stocking up part but never really tried MREs, they are not part of my preparedness plan. I went back and read Angela’s original write about how she stocked up for the current situation, again for comparison. Thank you both.

  9. Hey Danielle! I hear you about getting intimidated about starting a project like this, especially when you can’t find a good chunk of time. I find when I’m feeling lots of friction that I just need to get things moving in the right direction so I’ll set a timer for 20 minutes (that’s almost always my go to time because it’s not an intimidating number) and brainstorm about what I need to do. The list may be incomplete but at least it’s a starting point and then try to find another 20 minute chunk. When you try to do it all at once, it can be overwhelming but if you can find a path forward, it feels less so. Cheers!

Leave a Reply