In equipping to survive, what is the most effective use of your money and of your time?

In general, I feel the best use of money is to spend it on good training (and there are "training courses out there that are rip offs), especially on first aid. Many outdoor retailers offer courses and experiences in hiking, backpacking, etc. which look like good deals, although I have no experience. Anyone?

Buy basics first (training will help you there)...

Time? Get out and increase your knowledge and get familiar with your stuff.