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About the Founder 


Hello, I'm Pam Kelly.

I've been a "life-cycle" prepper, not doomsday prepper, ever since 1996, after experiencing devastating financial and tactical unpreparedness in the aftermath of Hurricane Fran.

I had insufficient cash on hand, out of work for several days and ATMs weren't working due to power outage. I didn't have much in there really, until my next paycheck (no matter that I had a great salary and a "Pha"t  401K at the time). 

It was summertime and a freezer full of food had to be cooked on a small grill and consumed quickly. To keep food cold, I had to drive 100 (50 miles round trip) to Greensboro to wait in line, to get ice! After the defrosted hot dogs, burgers, and chicken, it was canned food and cereal for several more days.  

By God's grace, we still had running water!  Fortunately, my wonderful kids, who are now two awesome adults, remember it only as the greatest camp-out adventure! They still got three square meals a day, some way, somehow. It was then, I decided to never again find myself, or my young children at that time, in such a vulnerable position again. I could hold no one responsible for the unpreparedMESS I found myself in! It was a turning point. I had to change!

I became a life-cycle prepper then, and began to practice better financial, strategic, and tactical preparedness habits. Change doesn't come overnight.  It's been a journey of ups, downs, resets.  In truth, there is no perfect preparedness plan!  That's where faith kicks in! After you've done all you can, you pray, keep it moving, and in the most challenging of times, you wait on God and STAND!  Ephesians 6:13

In February 2020, I founded Preparedness NC, dba Prep2Thrive™ to promote faith-based financial resilience, using a cash flow tool that I've used ever since Hurricane Fran called 5-10-10-75™.  For more information on 5-10-10-75™ click here. 

The following month, March 2020, COVID descended upon the world. Thankfully, I was in a better position - financially, strategically, tactically, and spiritually - to weather the storm this time.

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In the years since, I've become aware that majority of Americans remain unprepared - financially, strategically, and tactically - to overcome, revive, and thrive in the aftermath of natural and man-made at-risk events.  As of 2023, it was reported by Payroll.com,  that 78% (a 15% increase from 2022) of Americans live paycheck to paycheck. 

The pathology of financial & strategic unpreparedness causes missed opportunity, lost productivity, stress, strife, and decreased quality of life. As a citizen, a Christian, a parent, a caregiver, I find the current economic trajectory of many families in America unacceptable.  

Furthermore the American economy has been "unpreparedness driven" from it's inception, with certain industries "profiteering"  from the financial, strategic, tactical, and emotional/mental/physical vulnerability and unpreparedness of American citizens. 

Moreover, our Federal Govt. is irrevocably in debt, resulting in a federal governance that is economically at-risk and reactionary, rather than fiscally prepared and responsive, even more so in the aftermath of the global pandemic.

A preparedness-driven economy is the only solution. It is time for a new cultural maturity of financial wisdom. And it won't begin in Washington.

It will have to start in the households of America. Never spend 100% of your dollar.  Save 10%+, Give 10%, Spend wisely,75% or less, Invest 5%+ in kinship community business.

5-10-10-75™, when used by individuals, families, and the business community, has the potential to create a more collectively prepared, prosperous, and resilient populace, a vastly more productive & innovative economy, and a more "socially just" society.

Through my lifetime experiences, the Lord has blessed me to be in a position to share this hopeful message for America...and beyond. Live, by faith, today. Prepare, by faith, for tomorrow. Save, Give, Invest, Spend less, and you'll likely prosper! -

Pam Kelly, Preparedness Activist, Tier 1 Preparedness Consultant 

Become an Alumni Member of The Preparedness.Club

beginning November 1, 2024. Bring your great expectations

for a better America, #PreparednessStrong

Acceptance of Terms and Conditions & Code of Conduct Apply


Pamela Kelly, Founder 
Perennial Preparedness NC dba The Preparedness.Club™


·  Architectural Visioneer


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Disclaimer: CashFlow 5-10-10-75 is a financial education tool. User assumes all risk in download and use. The mobile app or Excel Spreadsheet is distributed as is, with no warranties, claims, guarantees. User absolves the developer, The Preparedness.Club and all affiliate distributors of this app or spreadsheet, of all claims of liability for outcomes of use.





Perennial Preparedness NC dba The Preparedness.Club

Our Mission...

To offer opportunities to be financially, strategically,

tactically and spiritually resilient,

amidst daily life challenges and survivable at-risk events.

Proverbs 27:17 As iron sharpens iron, so each man sharpens the other. 


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    Perennial Preparedness NC dba The Preparedness.Club

    PO Box 28775, Raleigh, NC 27611 

    919.371.8207 

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