Start with pay day preps... just a little extra shelf stable food when you get groceries. Spread out 50/wk = 200/mo = 2400/yr. It will add up over time. Get a decent water filter like a sawyer mini. Lots of good bugout bag ideas on youtube or rumble. Browse your local ads for free stuff too, might be surprised what some people just throw away. Also, learn to can and get a decent pressure canner. It's super easy to can beef or chicken and will last 3 years or more in most cases. Lots of little things you can do that add up over time!
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