PERSONAL FINANCIAL RESILIENCE & MONETARY CRISIS PREP CHECKLIST

jeter795
3 days ago
3 min read

Let’s build a personal financial protection checklist tailored to the real risks we've discussed (monetary instability, central bank shifts, Basel III impact).

This is not financial advice, but it’s a strategic, informed framework based on current global trends.

1. Banking & Liquidity Safety

Task	Why It Matters
Maintain 1–3 months of cash on hand (physical)	For short-term emergencies, banking outages, or capital controls
Diversify banks (use 2+ institutions, ideally one regional bank or credit union)	Reduces exposure if a major bank freezes or fails
Keep some cash outside your country’s banking system (in gold-backed or foreign currency accounts)	Adds geographic and currency diversification
Avoid depending on only one payment method (e.g., add crypto wallet or cash reserves)	Resilience if digital systems are disrupted

2. Precious Metals Allocation

Task	Why It Matters
Hold physical gold & silver (not ETFs or paper contracts)	Zero counterparty risk; protects against currency collapse
Store a portion offshore in private vaults (e.g., Singapore, Switzerland, Liechtenstein)	Outside jurisdiction, asset protection from local seizures
Consider small denominations (silver coins, gold grams)	Useful for liquidity in emergencies
Verify vault insurance and direct ownership (not pooled storage)	Ensures true title and access in crisis

Suggested allocation (if serious about hedging):

10–30% of net worth in physical precious metals
50/50 gold/silver mix for balance between stability (gold) and utility (silver)

3. Geopolitical & Currency Diversification

Task	Why It Matters
Open an offshore bank account in a politically neutral country (like Singapore, Switzerland, or UAE)	Currency diversification, privacy, and access if capital controls emerge
Hold a portion of assets in foreign currency (CHF, SGD, AED, etc.)	Hedge against U.S. dollar (or home currency) devaluation
Learn how to move capital internationally and legally	Increases mobility if financial or political stress escalates

4. Debt & Exposure Management

Task	Why It Matters
Reduce or eliminate high-interest consumer debt	Avoids compounding pressure if interest rates rise or income drops
Convert variable-rate debt to fixed if possible	Shields you from interest rate shocks
Don’t rely on government promises of forgiveness or bailouts	Assume self-reliance in a crisis window

5. Intelligence & Timing Tools

Task	Why It Matters
Subscribe to non-mainstream macroeconomic intelligence (e.g., Lyn Alden, Luke Gromen, Brent Johnson)	Informed views outside Wall Street spin
Track central bank actions, not just words	Gold buying, balance sheet changes, etc. show true priorities
Watch the rollout of CBDCs	These may follow a crisis event or market freeze (especially G7, BRICS)

6. Crisis Scenario Preparation

Task	Why It Matters
Have an emergency plan for cash, fuel, food, and communications	Banking and supply chain disruptions are possible
Know your exit plan (or bug-in plan) for 2 weeks of full self-sufficiency	Basic preparedness reduces panic
Be prepared to act quietly and early, not react with the crowd	The system will not give warning before locking up

BONUS: Tools You Might Want

Tool	Use
Glint, Kinesis, or Valaurum	Spendable gold accounts linked to debit cards
Swiss or Singapore private vault services	Loomis, Le Freeport, Silver Bullion, Global Gold
Encrypted communications	Signal, ProtonMail, or Silent Phone for private messaging
Alternative economic analysts	Lyn Alden, Eurodollar University (Jeff Snider), The Market Sniper, MacroVoices