Say you and your kids stop at the ATM to pick up some cash. Say a man with a gun approaches you and want your cash. What do you think you would do? Or better yet if you have been in this position what did you do?
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If I’m in my car tell the kids to get down and drive off . If I’m on foot, tell my kids to run , toss the cash away from me and as run , when he stoops to pick it up I would draw and fire ( from cover if possible) .
@TexChik very good comment. Another thing about everyone carrying a gun is all the people that may witness what is going on. Little old ladies don't have to worry about competing with a larger younger male when Smith & Wesson are involved. :-)