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it's not a question of if the stock market will crash it's only a question of when no market in history has ever ridden the highs of growth forever yet knowing this hundreds of millions of americans find themselves entirely at the mercy of others to provide them the essentials of life when we prep we reduce our dependence upon others we increase our self-reliance and we increase our odds of survival in this video part of a three video series on the stock market crash we'll look at the 10 things you need to do now to prepare yourself for a stock market crash in the subsequent hard times now i'm not a financial advisor or consultant and nothing that i'm going to say here is financial advice but the items i will list out have been used by others to help them through hard times in the first video i examined 10 key indicators that parallel the crash of 2000 and the possibilities of a crash this year the final video will look at why a crash may not be imminent to provide you with a 360 degree view of the threat and what you can do about it even if there is no crash this year you will be more solid after implementing the preps i cover in this video to see the other two videos i'll post a link to the playlist up in the cards above and you can access those so let's go ahead and jump in please consider subscribing to our newsletter by clicking on the link in the description and comment section below if you enjoyed this video please subscribe and click the like button to help the channel grow enjoy the video why it matters to you the first thing to do before a stock market crash is to realize that it will dramatically impact your life that is hard for most americans to understand only about 14 percent of americans are directly invested in individual stocks about 52 percent of americans own stocks as part of a retirement fund in that format they're meant as stable value retention tools typically they are a buy and hold strategy with a late maturity date while they may lose a third or half their value in a nasty crash the retirement account would likely be back to the pre-crash value in 5-10 years retirement accounts that hold securities are meant to be at a maximum value of a person's retirement 10 20 30 40 or 50 years into the future so with such little real ownership and with the majority of americans owning stock in a long-term buy and hold strategy many people believe that a stock market crash will not impact them after all if the fat cat on wall street loses his shirt how could that possibly affect me these tend to be the same people who are unaware of how dependent they are on infrastructure systems and cannot be self-sufficient stock is all of the shares into which ownership of a corporation is divided a single share of a stock represents fractional ownership of the corporation in proportion to the total number of shares stock value is part of a company's valuation method if the company wants to generate capital for significant upgrades they could sell stock or they could borrow capital from financial institutions based upon their stock value inventory and capital equipment if the economy is let's say engaged in manufacturing widgets used to harden off electrical components against freezing temperatures what happens when their stock value plummets so low that their valuation and credit worthiness suffer and they are no longer able to get the raw materials to manufacture widgets if the company transports food from the farm to the processing plant what happens when they have to lay off truckers or sell off trucks or raise prices for their services if the company processes food what happens when it can no longer get the electricity it needs or the delivery of foods and raw materials and needs i could go on and on about case after case but suffice it to say when one system fails we can usually compensate for it when many systems fail we run out of workarounds at some point the fat cat on wall street just takes a loss you the average consumer have to learn to live without the product even if it's food are you ready to grow your own oats corn or beans are you ready to grind your own flour so the first thing to do is take a deeper dive in understanding how failure in the larger system out there can impact you in your safe home or apartment if you suddenly couldn't get anything from any store or manufacturer or utility provider how bad off would you be becoming even a little more self-sufficient will position you better when suffering through a market crash when the stock market falls unemployment numbers skyrocket as businesses have to trim their workforce to make ends meet at the same time inflation can leap up pricing goods out of the rest of the reach of many americans even those who don't own any stock tighten up their purse strings and delay or cancel purchases this chills the economy even further when farmers cannot find low-wage immigrant workers cannot afford storage costs can't secure transport for their product or processing facilities wanting to buy their products in a time of decreased production or the price for their product rises or drops dramatically crops can end up rotting in the fields when the workforce is reduced at a city state or federal level services you rely upon can also be slowed or cut altogether when the chaos of the market crash occurs the first thing you must do is focus on what you can control your attitude your outlook your preps and your actions simplify your finances in preparation for a crash or in the first few hours and days following a crash you have to simplify your finances you have to squeeze every last penny out of your dollars first step of this just like those businesses losing money is to trim the fat cancel gym memberships reduce or eliminate cable bills cut online subscription services consider selling off that second car if you don't need it or you need that trailer to go on vacation now or next year probably not but during an economic downturn the price for mobile homes and trailers actually shoots up dramatically sell things through local online exchanges that you have meant to get rid of anyways unload what you don't need to raise capital and hold on to the money that flows from you if it doesn't have real tangible value for you through an economic crisis this is the opportunity to clean house and realign your priorities prioritize food water shelter and utilities those are what will get you through seek crisis as an opportunity in every crisis there is also an opportunity sometimes we become complacent or we just can't seem to find a time to do what we probably should be doing immediately preceding or following a stock market crash your opportunity to make substantive changes to your finances will be short can you pay off your car and still have savings in the bank while you still have secure employment can you refinance your house and raise capital by retaining the month or two mortgage payment while it is processing and also lower your monthly mortgage payment it may seem counterintuitive to allocate more money to your employer's 401k plan or start up a traditional ira still these are pre-tax dollars and if your employer matches any percent of it you're instantly making a return on your money and likely buying into stocks at rock bottom prices your post market crash recovery will even be better because these are pre-tax dollars raising a contribution a hundred dollars will barely show up on your take-home pay i've seen some people do this and end up taking home more because they just bumped them off the cusp of a tax bracket let the brewing economic storm be what you will need to seize the opportunity to batten down your personal finances diversify when we're here diversifying financial settings it means not having all your money in one place having money in cryptocurrency stocks bonds commodities precious metals and things of that nature will definitely help you in a recovery phase of an economic collapse still they'll have little value if you need them to buy a loaf of bread or a 25 pound bag flower i see diversify as a broader term you have to diversify yourself and generate other revenue streams for yourself it's hard to get a job when businesses aren't hiring but have you ever considered teaching a class in your neighborhood selling your baked goods fixing someone's car or leveraging in any way your unique skills i know someone who mowed lawns every saturday he didn't need that to survive he mowed lawns to get tackled bait and fuel for his little boat he would then catch catfish on the missouri river and then sell it out of this freezer in his garage on mondays he went to his regular job just like everyone else any side hustle like food delivery or ride share services can add a little extra income that extra income when combined with the trimming and refinancing you just did might be enough to carry you through diversify yourself it might lead you to a little more enjoyable occupation when the markets recover even if it doesn't you will be cultivating the most important resource you have which is yourself consolidate do you have more than one credit card but one of them just offered you one of those zero interest checks now's the time to consolidate your debt to one low interest card making one minimum payment is going to be easier than making two even if your credit card company hasn't sent you a check now would be a good time to give them a call and see if they're willing to pay off your card through a no interest alone ideally if you are genuinely prepping you know how bad credit card debt is for you and you've been working on a plan to rid yourself of it any financial moves you want to make may not be possible three months into a deepening economic crisis as banks will be overloaded and then just stop offering many services understand here too that consolidation goes beyond just a financial term by definition it means the action or process of combining a number of things into a single more effective or coherent whole consolidating your buying power by buying in bulk or forming a buyer's club of friends and family that buy in bulk together serves two purposes it gets you more for your money and it builds a network and community to help you get through even the most challenging financial times so think of consolidation as a debt management tool but also understand that it means to pull all of your resources including human resources to create a single more effective or coherent whole stock up runs on stores and failures in the food supply chain from farm to table will happen after a stock market crash inflation or hyperinflation are also possible contributors to the empty grocery stores you may see remember that surreal trip to your local grocery store when code 19 was declared a pandemic the pasta owl and canned goods aisle and the meat departments were empty or sparse now is the time to top off your food storage now is the time to kick that garden into high gear with a few extra plans if the crash sinks into a deep recession or an economic depression you'll be glad you did if the dollar's value declines and the inflation hits hard after an economic crash having several thousands in the bank won't matter too much sure make sure you have an emergency fund if you can but if you do have extra funds having them sit on the sidelines won't do you much good now not a financial advisor but several i follow indicate that a stock market crash is a good time to stock up on stocks when they're on sale this is what the wealthy do and how many of them became wealthy to begin with really solid conglomerate stocks soft and declined drastically with everything else creates a buying opportunity for you just like maxing out your 401k does if the depression sinks a world into a dystopia post-apocalyptic wasteland those dollars in the bank won't matter anyway again make sure you have enough to cover your needs but any extra you may want to apply to stocking up invest in yourself light a fire under yourself get motivated read learn and retool your skill sets if the security of the markets the lockdowns and sicknesses the cyber attacks and the wild and extreme weather isn't enough if there isn't something in there that motivates you to pay attention and prepare yourself for the same or even worse i honestly don't know what will use that time you reclaim spin on entertainment like watching television or going out to learn a new practical skill you can apply in your life every skill you learn and even slightly master is like putting money in your own personal savings account when you need to make a withdrawal you're paying yourself back with interest you may have always told yourself hey i'm going to learn spanish learn to knit learn to cook learn to do whatever if your land affords you the possibility could you be learning how to raise bees or raise chickens well now more than ever is the time just making those connections with people who already tend bees or chickens might keep you in honey and eggs when times get even more challenging if you never mastered any of the skills and only end up with a cursory understanding of them you will at the very least have entertained yourself and kept your mind busy the very best you have a skill when you need it or a skill you can cultivate as a resource to literally bring more to the table fire is a tool for the thousands upon thousands of years man has utilized fire it is surprising that the average person who does not know the basics of wielding it or how ubiquitous it is even when you don't see flames the average american who doesn't smoke probably could not light a fire easily beyond that most americans don't understand how fire somewhere is lagging their house and heating or cooling their home the average american does it truly grasp the fact that explosions of fire are driving the engines that take them to work or fly them through the sky fire is a tool and you need to understand its many uses to you and your dependence on it for survival any prolonged economic collapse may also have intermittent or somewhat permanent disruptions in service if gas prices skyrocket those fires in your car's engines aren't going to be able to burn if utilities are disrupted or go offline because maintenance schedules can keep step or municipalities can't keep them funded you'll need to heat or cool your own home oil natural gas propane and other fossil fuels may be in reduced supply or at extremely high costs you may need to boil your own water and you don't have electricity or gas to do so you may need to light your own home if you don't have electricity do you have a better candle than the lavender eucalyptus or melon scented and re-gifted panel you get this christmas as a prepper understand your relationship to fire as a tool and equip yourself to wield it confidently it may seem odd to some to tie fire in with the stock market crash but understanding your relationship supply and ability to supply yourself with fire water shelter and food or what every single one of your prep circulates around make sure you have alternate sources of energy to provide you with heat and light understand your relationship with fire and have alternate means for cooking food and boiling water think about your reliance upon fire and develop a long-term plan to sustain you through the worst of economic times preserving your food i'm a huge proponent of reading your preps after any crisis one as large as a grid down or as small as a stock market crash or unemployment it's not the time to suddenly drastically alter your diet learn to cook hard beans or remain reliant on fragile food supply chains when i say preserve your food i mean a lot i mean start to ration and reduce your overall consumption i mean try to eat every last bit of what you make i mean try to prepare every scrap of food that crosses your kitchen counter don't throw out the broccoli stem or carrot tops you grow artichokes the whole stem is nothing but excellent artichoke meat when boiled down with the head i just saw a recipe for pea shell puree when i say preserve your food i also mean reducing your dependence on restaurants that are too expensive or grocery stores that have wildly fluctuating supplies and prices or industrial farmers whose quality of roduct may suffer in a deep enough economic downturn grow your food if you can get local and buy from beekeepers egg producers small gardeners small farmers jam makers and so forth learn to forge your environment preserve the flow of food to your table sure if you want to learn how to dehydrate everything can anything or pickle something absolutely do so but think of preserving your food as also preserving the flow of food to your table be in the habit of saving money and cooking your supplies so you know how to sustain yourself independent of fragile just-in-time delivery systems and through the hardest of times recognize suffering finally recognize suffering hereto i mean this in a very broad sense i want to leave it up to you to determine what recognizing suffering means to you but i will get a little philosophical when you recognize that everyone is suffering along with you through a stock market crash and subsequent economic downturn you realize you're not alone this will increase your compassion and your understanding this will give you confidence that you're not alone and you can get through this coping with the unknown creates uncertainty uncertainty for many manifest itself in fear than anger understand that others may be suffering more than you recognize too that others may be suffering more than you is there a way you can show compassion and help them you'll be surprised how your act of kindness towards another gives you also what you need to make it through i once heard it said that when you feed a person in need you feed yourself as well and i believe that beyond food though have you ever offered to help a neighbor even though you get freely there almost always is an immediate return on your time and labor investment and you shovel a neighbor's driveway for them because you know they have a bad back see if you don't get something baked for you or a good word place for you or some other gift in return understand just as you understand the stock market crash is not just confined to pain for the fat cats on wall street that everyone in the economy will suffer in some way recognize that suffering to keep pressing on to better days recoveries always happen even if a recovery doesn't come and our country's fabric unravels forever you'll still have built a network in self-reliant ways after every economic crash in our history people say nobody knew that was about to happen a few months later they'll say we should have seen all these signs then they invariably say well next time if you start preparing now for next time you will find yourself positioned to survive even the worst of economic downturns don't wait for later but act while you can if you wait until the day of or the weeks before you can still be prepared but you will not be as prepared as you could be if you do as hundreds of millions of americans are doing right now which is nothing you will have to suffer the worst of the storm with the rest of the herd use this time to prepare before the stock market crashes if you found this video informative and helpful please click the thumbs up icon it's a little thing but it helps us build our prepping community what's your best advice for someone in hard economic times let us all know in the comments section below i read many of the comments and respond to them when i can that's typically when the first hour of releasing the video i can notify you when other videos become available if you subscribe to this channel as always please stay safe out there you