Pine needles brushed across Paul’s arms as he charged through the trees with his bugout bag slung over his shoulders. Weighing in at forty pounds, it hardly slowed him down as he’d practiced this hike many times. He flicked his wrist and checked his Garmin Solar 2 Tactical Watch. The timer read: 2:23. 

“You can do this, Paul.” He increased the pace and gritted his teeth, the weight finally having an effect. Paul bounded over a small creek, up a rolling hill, and pushed through a row of baby birches into a clearing. He doubled over to catch his breath and looked at his watch one more time. Two hours and twenty-eight minutes. Paul pumped his fist in victory.

After a short break, he approached a thorny bush in the center of the clearing. Paul brushed aside sand at the bush’s trunk, revealing a yellow rope. He pulled it, which lifted a hidden door in the ground covered with dirt, shrubbery, and other camouflage on the top side, and drab gray iron on the other. Underneath, wooden stairs descended into darkness. Paul retrieved a flashlight from his pack, clicked on the beam, and disappeared into the earth. 

At the bottom of the steps, Paul faced a steel door and a combination lock. With several quick swipes of the dial, he opened the lock and tugged the metal door, which creaked as it cracked open. Paul flashed the beam on the offending hinges and shook his head. Something to fix later. He stepped into the secret chamber and pulled a hanging aluminum chain that turned on a large halogen light, illuminating a twenty-foot by eight-foot metal rectangle. The exposed corrugated walls revealed the bunker was nothing more than a shipping container. Paul buried it two years ago and had divided the interior into three spaces. The entry had a shelf with four dozen gallon jugs of sealed water along with a portable toilet, stacks of toilet paper, and a wastebasket. The middle section was the main living area and contained a futon, a TV with a DVD player, and a neat collection of movies underneath. A nightstand housed a small library of books, including the Bible, The Art of Meditation, Buddhism for Dummies, and other spiritual tomes. The back area of the unit had two shelves filled with canned food—black beans, green beans, peaches, peas, carrots, beef, and chicken. There was also a stationary bike, which was Paul’s proudest accomplishment because he had rigged it to a giant battery that provided power to all the electronics. 

Paul was a prepper, and this would be his home when the end of the world came, an event he believed was imminent. The global economy was a house of cards built on greed, corruption, and inflated asset prices, but worst of all, it was based on a faith in paper and digital money.

His fear was triggered four years ago when he attended a lecture by a professor who explained the fragility of the world’s financial system. If a few banks failed, it would rattle people’s confidence, causing a herd-like response. Thousands of people would rush to withdraw their cash, which the banks no longer had because they’d invested it. The banks would either fail, and everyday folks would lose their life savings, or the government would print new money to replace the missing money, making all money worth a lot less. Anyone holding dollars would attempt to convert them to other assets. 

Just like dominoes, the banks would topple over one by one, and as they crashed, people’s faith in money would crater. After all, what was money? It was just paper with printed images and numbers that we’d all accepted as having value. More recently, money had become numbers displayed on a computer screen, something Paul knew firsthand as he spent the first seven years of his career working at a regional bank in Asheville, North Carolina. Paul could literally change someone’s net worth with a few keystrokes. He could turn a pauper into a millionaire, or he could bankrupt the richest account holder. Sure, there were safeguards, but all were built on faith, which Paul believed was misplaced. Most people didn’t realize that the Federal Reserve only required each bank to hold at least ten percent of its deposits as a reserve. Ten percent. That’s it. The rest of the money was invested in loans or other financial instruments. As the rich bank owners and executives pushed for bigger and bigger returns, they invested in riskier and riskier assets. The lessons from the financial crisis of 2008 had been forgotten.

Once the monetary system collapsed, the entire economy would become paralyzed. Without a means of exchange, transactions would halt. Think about it. If someone tried to give you a slip of paper that you thought was worthless, would you give them anything of value in return? 

The doomsday scenario would escalate. Food and water prices would skyrocket, but with no way to purchase them, many would starve. But people don’t just roll over and die, they would riot and take what they need to survive. Marshall Law would be implemented, but citizens would revolt against the government they felt had cheated them. 

As Paul listened to the lecturer that fateful day, a depressing epiphany struck. Everything he’d learned and everything he’d spent his life acquiring was worthless. 

Growing up, Paul had been taught the value of money, saving, and planning for retirement. He internalized these lessons as a teen after his father got sick and lost his job. His mother had died when he was very young, but his father still managed to provide him with a stable childhood, even though they were barely middle class. When his father fell ill, Paul witnessed firsthand how fast a family could sink into financial trouble, which couldn’t have come at a worse time. He was applying to colleges, and instead of choosing the one he liked best, he chose the one that gave him the most financial aid, which turned out to be a small school half-way across the country. He also didn’t choose a major he was excited about; he chose the one that would offer the safest financial prospects—economics with an emphasis on banking. 

The distance from home meant that Paul didn’t see the rapid deterioration of his father. It wasn’t until he returned for the funeral that family friends told him how the disease had spread. His father had refused to let anyone tell Paul because he didn’t want that to distract Paul from his studies. 

After graduating, Paul accepted a job at a bank, and immediately signed up for the company’s 401K match. Most college graduates can’t grasp retirement when they enter the workforce, but a 401K match was free money. Over the next several years, Paul worked diligently to advance his career while saving most of his salary. He’d mapped out his life on an excel spreadsheet and calculated that he’d be financially secure at 53.  

Everything went according to plan until that damn lecturer came along and blew it up. Sifting through the rubble of his grand scheme, Paul realized that in the new world order, he possessed no skills to survive. The savings he’d so meticulously built up would have little to no value. When the economy collapsed, he’d be like a baby, unable to do anything for himself. 

After a week of wallowing in despair, Paul rallied himself. “I can still fix this” became a daily mantra. To start, he threw himself into survival classes. The first was a basic camping course where he learned how to create shelters and start a fire. The next class was more advanced and focused on water purification and building snares for small game. 

Paul continued working at the bank, because he needed to pay for the classes and survival equipment he began hoarding, but on his next vacation, he put his training to the test. He planned to camp for a week in the Appalachian Mountains, but the temperature swings, especially at night, were too much. Paul lasted three nights in the wild. The humbling experience forced him to admit that he wasn’t a bushman. His depression returned until he stumbled upon an article about “preppers”—individuals who prepare for end of world disasters. Suddenly, things made sense. He didn’t need to abandon all the comforts of modern society. He needed to prepare for the end of the world the way he had planned for retirement. 

As Paul traveled down the rabbit hole of prepping, he uncovered an underground society of people like him who knew the truth about the world’s demise. Of course, not everyone believed it would end because of an economic collapse. Some thought a nuclear war would destroy civilization. Others feared electromagnetic pulses from the sun would wipe out all modern electricity. And still others worried a massive volcanic eruption would spew enough ash and soot into the air to blot out the sun. There was no shortage of theories about the world ending, but one thing was clear. The world would end. Did it matter how it happened?

Paul began his prepping quest by purchasing ten acres an hour and a half outside of Asheville. It had plenty of small animals and a creek running through the middle. He then transported an unused cargo container to the land and buried it. This was the toughest part of the plan because it required heavy equipment. Next, he dug out a staircase and installed a steel door at the entrance. Finally, he furnished it with a mix of modern comforts and survival essentials.

Almost every weekend, Paul trekked to his underground sanctuary and made improvements. He also planned his bugout strategy. When the end of the world hit, he figured he needed to be safely hidden in his home within two and a half hours, a time he had achieved with this latest trip. Everything was set, and Paul could finally relax. He was prepared. 

Paul slumped down on his futon and considered playing a movie or cracking the bottle of Jim Beam whiskey he stored in a special cabinet, but he shook off the urge. Those things were the rewards and comforts he’d enjoy after the world ended. His fingers rubbed the top of the Bible, something he planned to read cover to cover once the global economy cratered. He’d have plenty of time then to discover his spiritual side, but not now. Something else needed to be done. Something he’d missed. 

The biggest mistake a prepper can make is assuming he had everything covered. This was the lesson taught by Yannis, the guru of the prepping world. He was so well-known within the doomsday community; he only went by one name. The guy was sharp as a whip and could live off the land, if necessary, but he preferred a more sophisticated lifestyle, so he created a luxurious cave that contained backup systems for all his backups. Food, water, shelter, and electricity were all taken care of, and it was projected that Yannis could survive ten years comfortably after the apocalypse. His famous blog titled “ABP” stood for Always Be Preparing. It was a motto Yannis lived by and something Paul aspired to, but as he sat in his bunker after the relentless hike, fatigue set in. He didn’t want to think about prepping or his bugout strategy. He wanted to just be. 

Paul tilted his head back onto the futon’s cushion, and a loneliness crept into his mind. All his prepping left little time for relationships. He dated off and on in college, but it was never anything serious. It wasn’t like his high school sweetheart, Kristin Summer. They dated junior and senior year, but then Paul broke it off when his father got sick. Paul couldn’t focus on romance, and he knew the relationship wouldn’t have worked when he left for school 1,500 miles away. It still hurt when he learned from a friend that Kristin started dating Derek Gorman, an old classmate Paul hated. It hurt even more when he found out they had gotten married. 

After college, Paul joined a couple of dating sites, but he hadn’t used them in over two years. Most women wouldn’t understand his prepping lifestyle, at least that’s what he feared, so he rejected dating before anyone could reject him. But most wasn’t all, and with eight billion people on the planet, there had to be someone for him. Almost without thinking, Paul pulled out his phone and opened “My Match,” the site where he’d had the most luck. His profile still had a photo from his early banking days. He was clean shaven with a naïve smile. The face staring back in the picture differed greatly from the bearded survivalist he’d become. Would anyone consider a relationship with the new Paul? Only one way to find out. He snapped a selfie, uploaded it, and then updated his hobbies with the first being “prepping” followed by “survival skills training.” He finished by pressing the button that showed he was actively looking for someone. All he had to do now was wait. 

After spending the night in his bunker, Paul checked the dating site in the morning. No response. “It was a stupid idea,” he told himself, and stuffed his phone back into his pocket. He locked his container and returned home. 

Over the next two weeks, Paul received zero requests for a date. He didn’t even receive a message from anyone to start a conversation and test the waters. “Shake it off, dumbass,” he said alone in the confines of his cottage-style home. “The world is going to end, anyway.” He clenched his jaw and did what he always did. He researched more ways to survive. Paul poured over blog posts and imagined worst-case scenarios. How could his water be contaminated? Maybe he should bury some caches of water. What if someone finds his shelter? Maybe security cameras were needed. What if he gets lonely in his shelter? No ideas came to mind. 

After his eyes got tired from reading, Paul clicked out of his browser, and the list of all his apps stared at him. For reasons unknown to him, he opened Facebook, something he hadn’t done for months. There were a handful of notifications and a couple of friend requests sent weeks ago. His heart raced when he saw the name of one—Kristin Summer. When he accepted, he saw she was on-line right then. 

Should he message her? Would that be weird right after accepting her request? But wasn’t it weird that he hadn’t responded for several weeks? He pulled up the messenger and typed. “Hey. Sorry for the delay in accepting your request. Hadn’t been on Facebook in a while. Been busy. Hope you and Derek are well.”

He curled his lip in disgust as he typed Derek’s name and considered deleting it, but he took the moral high ground and hit “send” with his message unaltered.

Kristin Summer. Just the thought of her name brought a smile to Paul’s face. 

Bing.

The sound alerted Paul to a response, which he read out loud. “Hey Paul. Good to hear from you. Derek and I divorced a little over a year ago. It was rough at first, but it was for the best. How are you?”

Paul’s eyes widened with shock and excitement. He couldn’t believe Derek was so stupid to let Kristin go. Paul could at least blame their breakup on his father’s illness. His fingers prattled away on the keyboard. “Things are amazing.” He stopped typing. That was a lie. Should he pretend like things were great or should he be honest and tell her about his prepping and the end of the world? Neither option sounded appealing. He tapped the keys without writing until he settled on something uncontroversial.

“Working at Trinity Bank in Asheville. It pays the bills. Where are you?”

Within a minute, the sweet sound of the notification binged. “I’m not too far away in Durham. If you’re ever in town, let me know.”

If you’re ever in town, let me know. 

Paul couldn’t believe his eyes. Was Kristin asking him out? He shook his head. Nah, she’s probably just being polite. But maybe. If there was any chance, he had to find out. He chewed his lip and deliberated his next response. Fortune favors the bold, he told himself. Then he remembered Matt Damon telling people that in the now infamous commercial for FTX months before its collapse. When that occurred, Paul thought it was the beginning of the end, and he lived in his bunker for two days before emerging and finding the world still intact. 

Paul clenched his fist. It was still good advice, and he had to try. Almost involuntarily, he typed, “I’ll be there tomorrow afternoon. If you want to get together, let me know.” His finger hit send before he could talk himself out of it. There was no qualification in the message. No waffling or hedging. It was clear Paul wanted to see Kristin. The only question now was whether she wanted to see him.

The next ten minutes felt like ten days. Paul paced back and forth with his hands over his head, and he glanced at the monitor every few seconds, just in case his ears had missed the notification alert. 

There was nothing.

A dark depression filled the room. Why had he gotten his hopes up? What was the point, anyway? The world was going to end. 

Bing.

Paul leapt to the computer and his eyes widened with each word he read. “How about a lunch at The Fig Tree Restaurant on 7^th?” 

People overuse the word literally, but Paul at least felt like his jaw was literally on the floor. He had a date with Kristin Summer, the one woman he had loved. His hands rattled away at the keyboard. “See you at 1 tomorrow.”

“Holy crap,” he muttered to himself. 

Panic replaced his excitement when he imagined sitting down and talking to Kristin. What would he say? “Hey Kristin, what have you been up to? Oh me? I’ve been working at a job I hate and planning for the end of the world.”

He drifted into the bathroom and stared at the scruffy character in the mirror. Paul could only cringe at the thought of Kristin’s reaction upon seeing him. She might not recognize the bearded loner who resembled Ted Kaczynski more than the short-haired, clean-shaven teen she last saw. 

Only one thing to do. 

Paul had to prepare. He opened a drawer and pulled out a pair of clippers. He began trimming his beard and mustache as short as the clippers would allow. Next, he applied a generous amount of cream and shaved all of it off. Paul smirked at the young man hiding under the shabby beard, but it still wasn’t enough. He set the guard on the clippers to a four and began shaving his head. In college, Paul cut his own hair to save money, and the skill came back to him quickly. He dropped to a three and worked in a fade on the sides and then finished with a two. Paul turned to the left, then to the right, and assessed his work. Not bad.

Next thing to prepare was his outfit. Paul slid the door of his closet open and evaluated his choices. A banker’s suit was too stuffy, and his mountain man denim was too hermit inspired. He yanked the clothes aside and climbed deeper into the recesses of his wardrobe until he found a nice buttoned-down shirt and a dark pair of slacks. It gave just the right vibe of successful and stable, while not trying too hard to impress, even though that was his precisely his goal. Paul laid the selection on the chair by his bed. Durham was a three-and-a-half-hour drive away, and he wanted to make sure he got there with time to find parking, and maybe use the restroom. He set the alarm on his iPhone for 6 a.m. That would give him plenty of time to take a shower, have breakfast, and get dressed.

There was no chance of falling asleep easily. His mind raced with thoughts, questions, and various scenarios about what the day would bring. To relax, he poured himself a double whiskey, which he downed with a single slurp. He poured another and sipped. 

Kristin Summer. He shook his head, still in disbelief. 

As the effect of alcohol set in, Paul laid down on his bed and shut his eyes. Tomorrow would be a good day. 

Paul slipped into a deep, satisfying sleep until his mind jolted him awake. It was past 6 a.m. He didn’t know how he knew. He just knew. Paul had slept through his alarm. He snatched his phone off the nightstand, but it was out of battery. He checked his watch and saw it was 7 a.m. There was still time to get to Durham. 

Paul jumped out of bed and into the bathroom. He flicked on the light switch, but nothing came on. Paul toggled it on and off, but the outlet was dead.

Police sirens wailed in the distance. Paul meandered out of his house and onto the front lawn. Aside from the sirens, there was an uneasy stillness. Paul’s neighbor Kurt ran out from his home with two suitcases that he flung into the trunk of his car.

“Kurt. What’s going on?” Paul asked. 

“Fort Knox was bombed. All the gold was obliterated. And something happened to the electricity and the internet. They shut it down.”

“Who?”

“I don’t know, man, but it’s not good. No one has access to news, no money, nothing.”

“Where are you going?” Paul asked.

“I don’t know. Somewhere isolated. I’m just hoping there are no more bombings or other attacks.” Kurt jumped into his car and sped away.

This was it. The world was ending. All of his preps were about to pay off. But what about Kristin? Paul didn’t want the world to end. If he tried to get Kristin, there was no chance he could reach his shelter before things get hairy. Plus, there was no way he could find her. He didn’t have her address, and she might have already left Durham for somewhere safe. 

Paul forced himself to focus on his plan. This was what he had prepared for. He dashed back inside and changed into his camouflage gear, grabbed his bugout bag, and then sprinted to his truck. He drove through his neighborhood and reached the main road. His shelter and plans were to the left. Kristin and the unknown were to the right. The whites of Paul’s knuckles flared as he gripped the steering wheel. Now was not the time to waffle. He turned left and hit the accelerator.

Paul gritted his teeth and raced down the street. Keep going. Keep going. He urged himself on. Almost involuntarily, his foot slammed on the brakes. Paul couldn’t do it. He’d planned for the worst all his life, and while he sat alone with the engine idling, he had to admit the truth. He’d lived all his life in fear. 

Paul yanked the wheel and turned around toward Durham.