Truscape

Anything personally important data wise has a backup stored in a container that won’t sustain liquid damage (and also acts as a faraday cage).

However, anything that is super-critical should the infrastructure around power, etc fail is just printed out as a physical copy on paper (first aid manuals, food cultivation/preparation techniques, how to construct and maintain water purification systems).

I’d argue that’s one of the least overkill ways to handle potential media restictions and geopolitical/climate disasters in our age, since all you need is a printer and maybe one or two secure cases for backup storage drives.

If they live in the US, medical debt and/or student loans will eat away at anything they’d try to set aside swiftly.

Depends on if that money is assets or income. Also depends if you have any outstanding debts.