Comment: This is a tough one. In all

(See in situ)

This is a tough one. In all

This is a tough one. In all probability, the sh1t won't hit the fan for a 15-25 years.

But if you choose route one, you won't have the chance to choose route 2 later on if you feel locked in with your jobs, home, friends, etc.

Also, route 2 sounds attractive in its own right, with or without any catastrophic collapse.

You guys should choose the life that you think will make you the most happy, regardless of whether or not SHTF.

Also, a lot of your prep ideas for SHTF aren't entirely practical. What importance is there in paying off student debt in a collapse scenario. The government will hardly be able to collect it, and inflation would wipe it away. Severe deflation, if allowed, would end up with mass debt write offs for unpayable student debts.

The stores and the property are a great idea, with or without collapse, I guess. Assuming you'd be happy managing stores.

Gold and silver will be of limited value in a full blown collapse, much more value in a generalized severe inflation or dollar collapse.

Food stores might be forced under severe price controls in a scenario of high inflation but still stable government control.

You seem to be debating: maximize skilled specialization and income, and take immediate advantage of low interest rates and relatively low property costs.

Or, prepare for a collapse in the value of high specialization and ties to corporations and currency wages, and focus on more economic autonomy in property in goods, in a more remote region.

The odds are so tough to figure. Could you perhaps head toward the region you imagine ti be safer, pursue your respective high wage, high specialized careers for the next 10-15 years, keeping your eye on the world situation, and saving up in real assets and property, like in plan B?

In neither scenario do I see a tremendous urgency is worrying about the student debts, which seems to be a pretty big aspect of your question. Because trying to pay it off all immediately (basically throwing money into US govt blackhole) means forgoing other investments and assets.

Property ownership is good in either scenario. What about a pharmacy and general store combo up in the plan B region? With a close enough urban-ish area for your wife's practice?

Its hard to imagine any investments that will truly protect you in a full blown apocalypse, because at that point even a farm will just be an invitation to government requisition and unwanted company. In a true collapse 90% of us are probably doomed no matter what we do.

I think its more realistic to prepare for bad times in terms of eventually high inflation and declining standard of living. A mix of cash, metals, property, and some necessities and decent stable businesses (or specialized skills) will do well in a stable, prosperous future or a highly unstable and not so prosperous future.