I'd rather spend my money on living today. If surviving the end of the world means living underground? Meh.
As far as being prepared for a disaster--man made or natural--we have a weeks worth of food and water for all of us (animals included) and fuel for lanterns and a cookstove. I'm slowly working on increasing that with our own preserved foods and nifty items like these. If we're hit with anything big enough that we're going to need longer than that? The population would have dissipated enough that we can start foraging. We're close enough to farm land...there'll be abandoned animals, cows that need milking, food for harvesting. Forests and hills to disappear into.
Yeah, I know...a lot of people dismiss me as a crunchy liberal. But if and when it all goes to hell? My family may not make it--but it won't be because we starved.