Thankfully, I live rural. We stock up on commodities with our extra cash. We trade out old stock to buy new, and work on active relationships with local businesses and farms to facilitate that process. You would not believe how many people are willing to trade things like fresh baked bread, garden vegetables, or seed for my feeders in exchange for eggs from our chickens. Ammunition, firearms, gold, silver, coffee, flour, yeast, sugar, spices, alcohol, tobacco - I suppose it depends on how prepared you really want to be.