You cannot protect your wealth if you have no wealth to protect. The first step in the process is to build up an emergency fund to keep you alive if the rainy day should happen. I’d recommend around $5,000 for an individual, $8,000 for a couple and $10,000 or more for a family with kids – you can also use an online calculator and add $1,000 to this result. Keep this in liquid assets. Along with the liquid assets you should have a months worth supply of water and food in case the unexpected should happen in your area.