Besides that, do you have a savings account for emergency expenses?
IMO having an electronic account is useless in many emergencies. Joker how well did the ATMs work during yours? - same thing happened up here with ice storms. No sparky = no money, at least from your bank. Probably 1/2 of the catastrophes one can whip up involve the banks either being gone, or inaccessible. If you're going to keep an emergency account, keep it in cash, but be prepared for that cash not to mean much in rapid order too, back that up as Ripsnort has said, with barter items of high value, precious metals, common calibers of ammunition, some cheap rifles (SKS, etc) that in a future where they aren't easily available they could be worth a fortune in trade for food, medical treatment/supplies, etc.
Ask anyone who runs a store that sells food, even a small mom/pop - they all operate on a "just in time" stocking system. In a crisis, it might as well be called "out of time". One day is all it takes for shelves to be completely emptied, events such as Joker's and many others have proven this time and again. Plus, in a real collapse of society, IMO the places where food/supplies/weapons/etc are stocked and sold will be absolute battlegrounds - imagine there being no L/E available to stop fights over people trying to feed their screaming kids.
IMO the most important feature of planning for the worst case scenarios - but regular emergencies too, is fostering relationships with like minded people. In order to maintain security - if you pipe up about having weapons, this is the entire point of having them - to have a single OP and another person on comms to receive reports from that OP and wake everyone else up if there is trouble, you need at least a dozen people. Minimum, to maintain that OP 24/7, 3 shifts x 2 people per day, will rapidly exhaust any fewer than 12, and that's the bare, bare minimum. See what I'm getting at? You have to sleep sometime, so if you're serious about "protecting what is yours", you'll never be able to reliably do it unless you have help and cooperation with others nearby in your AO. You can have all the supplies and firepower in the world, but if you don't have a group of people you trust planning to do the same in a community/location with you, IMO you won't last long, at least in one of the nightmare collapse types of worst case scenarios.
FWIW, I think that the weapons/ammo end of things is the very last spoke in the wheel, having enough food, clean water, the ability to get more clean water, medical supplies, batteries/off grid power, emergency funds, trustworthy people nearby, a good defensible location, etc, is far, far more important if funds are limited. Dedicated "firepower" is the very last thing I would concern myself with, but if you're flush with $, something I certainly would want as well. Reality is that you're far more likely to have need of supplies than weapons, there are many like Joker that have gone through some sort of storm, flood, whatever, and not fired round one during it, but still needed water, food and medication/etc.
