• Joe Gilbert

Personal Risk Assessment For Women (guys too).

Most of us no longer ignore the risks associated with smoking or tanning beds, yet we seem to turn a blind-eye to the risk of becoming a victim of violent crime. Additionally the majority of us who do acknowledge this risk tend to rely on a spouse or a tool and believe we are safe; this is our greatest weakness.

Disciplined action is required to turn knowledge and wisdom into equities that will serve our families. Watching videos, reading, or attending a conceal-and-carry course does little in way of preparing us for greatest test of our life.

Where to start.

Identifying our individual risk factors is the first step in quantifying specific skills, tactics and strategies most appropriate for our needs. Personal defense is a complex topic and by developing a personalized training plan, we can spend our valuable time building the core skills needed and efficiently construct a robust reaction set. Everyone in our home has a role in defending the family (even children) and must understand the ramifications of their action or inaction.

Let’s first look at our lizard brain (Basal Ganglia).

  • Primitive – Controls physical movement – habits.

  • Instinct to flee is in conflict with maternal instinct. If you often are out with children, training and prior planning are crucial.

Secondly, a financial vulnerability/value assessment is needed to understand what is at risk should you be involved in violent encounter. A few moments calculating what is at stake should provide sufficient “why” for training seriously to protect your family. Key elements should include:

Financial Assets/Income Risk Assessment.

  • Employment.

  • Spousal Income.

  • Passive Income.

Financial Liability/Expense Assessment.

  • Mortgage, rent, utilities.

  • Property taxes.

  • Food.

  • Entertainment.

  • Clothing.

  • Tuition.

  • Health insurance premiums/deductibles.

  • Vehicle payment/s, insurance, fuel, maintenance.

  • Other expenses.

Intangible Value Multipliers.

  • Dependent parents.

  • Dependent children.

  • Responsibility to employees, etc.

Physical environment, capability and activity assessment.

  • Commute.

  • Unique Professional Risk factors (patients, clients, etc.).

  • Exercise habits/locations (gym, trail, street).

  • Volunteer work.

  • Social events.

  • Shopping.

  • Publicity (realtors).

  • Home, landscaping, lighting, locks, alarms.

  • Service industry exposure (lawn care, contractors, etc.).

  • Family members in home.

  • Health.

  • Physical size (disparity of force considerations).

  • Physical disability.

  • Fitness.

  • Martial skills.

  • Mindset.

Social, political, religious activity.

  • Yard signs, bumper stickers and slogans on clothing (don’t be provocative).

  • Commentary and discussion with others.


If you are a medical professional or work in a location that requires the use of a hanging badge, don’t leave it visible in your vehicle and encourage employer to omit last name and last initial. It’s too easy to find “Lisa K” on social media.

Lastly, remember that the above concerns are not all inclusive. They are simply a nudge to stimulate thought.


Recent Posts

See All