We've been in this boat for a little over a year now. Loss of a job certainly qualifies as SHTF. I found another job about 3 months out, but it just doesn't provide enough income. It's tough going from 6 figures to 20,000......Thank god we are preppers or we'd be stuck on food stamps waiting for the gov to take care of us. I haven't been able to buy any guns in 17 months, it nearly makes me cry to think about.
We have rental properties that look like will become my main income. Been using the money from them for toys and investments. One vehicle paid off. The other not close. Wife basically has part time job but likes it.
Being off this long with no income and no unemployment is an eye opener. I decided that if they do take me back it's going to be more prepping for us. Don't really want to go back, but just not comfortable enough just yet.