Good, specific recommendations are always a challenge based on what people are willing to share in public so here is some general advice.

This is not an all or nothing situation but my guess is that you are already pretty prepared for short term non-financial challenges. Figure out what (if anything) else you need to be "prepared enough" while focusing on the following.

1 - Get yourself some savings. Typical suggestion is around $1000 since this gives you some insulation from the bumps that life has a way of handing out. My suggestion is look at the most likely bad day expense you might encounter over the next 6 months and try to save up for it (i.e. flat tire, medical expense...).

2 - Evaluate your preps and upgrade if needed. I'd suggest being ready for a week long disruption in normal services. This may not be your end goal but like the savings above it provides you some cushion from the more likely disruptions. Don't go overboard on buying stuff- figure out the cheap way to be "good enough".

3 - Work on paying off your debts. Pay them off in order from smallest to largest. As you pay one off, add that payment to the next one and so on.

4 - Increase your preps to be ready for about 2-3 weeks (if you are so inclined). Again - don't spend a lot, think low cost but sufficient.

5- Get some significant savings in place. Typical advice is around 3-6 months of expenses.

Once you get through step 5 you have a lot of financial security and can make a better evaluation of how much you want to afford for longer term preps, which are less likely to be needed. Financial security, especially in terms of cash on hand, is an important part of being prepared.

Hope the above helps,

-Eric