So here goes.
It's reasonable to pull your fiat and putting it into something hard, like physical silver. Not bars, but the smallest units of coins you can get.
Insurances and other stuff that relies on the stock market are going to go bust, so you might want to consider cancelling.
I advise against gold, because governments everywhere could decide post-crash that your Gold belongs to them. It's not unprecedented. There's no guarantee they will pay you for it with whatever money we'll get to use post-crash. When trading Gold is outlawed, your Gold becomes basically worthless.
There's far lower risk for that to happen with Silver. Gold seems to be a great short term investment right now, with the chance of Gold shooting up relatively soon relatively quickly being ... uh ... relatively high. So for short term greed definitely an option, but in current times I wouldn't bet anything on it for the long term.
This is for preserving your wealth and moving it post-crash.
Then, of course, comes food and water. Everything that keeps long-time is good. Given that your fiat is going to go poof, spending a lot of money on food that lasts isn't a bad idea. Worst case you'll have long lasting food you don't need, best case you have food.
Then there's cooking. Ignoring that power is getting more and more expensive, there's no guarantee you won't be suffering from BlackOuts, where ever you live. Personally I've bought a few tanks of propane gas, which doesn't go bad and lasts for a long time. It's like camping. Gas + Cooker.
If you can find anything useful regarding solar, then go for it as well. Always have more than one options available. It's important to never bank on a single thing working out as hoped.
I advise for keeping a few months worth of money on your bank account. You know, regular payments, etc, but the majority should be converted into something you actually can own. That includes cryptos. There's little reasoning to believe that people won't jump into cryptos just as much as hard assets.
In case prices drop: don't sell. In case prices shoot up after the drop (or without the drop), consider not selling silver/cryptos for a currency that's going to go poof anyway unless you have really good use for that fiat.
It's not about getting rich, it's about having something you can sell for the new money, post-crash.
I strongly advise AGAINST hoarding things with the idea of selling them to others who need them. When shit really hits the fan, these people will be overrun and killed by the angry, hungry, desperate mob.
Yes, the world and the people really are in that bad of a shape right now.
Think about everything and do not do panic actions.
Talk to others about what they think.
Do not let yourself be hindered in thinking about this.
Don't believe anyone who tells you it'll be fine anyway, because the risk isn't worth the short bliss of ignorance until reality smacks you in the skull with a metal baseball bat.