But there's one thing I won't compromise on: first aid. I spent years as a career firefighter and EMT-intermediate, running mostly medical calls and car accidents, and that experience shaped how I think about being prepared. In this video I break down exactly where to start, what's actually worth your money, and why the first aid kit from Target or Walmart in your closet probably won't do much for you in a real emergency.

I walk through my friends at Refuge Medical's gear — from a basic IFAK to their new all-in-one Travel FAK, up to a full whole-home wound care bucket kit — and lay out a simple $500 plan to get your home, vehicles, and family covered without overspending on stuff you don't need.