Well, Libertarian, some of us actually care about our jobs and are not happy about the disruption. I get plenty of PTO with my lovely benefits package. ;)
My husband and I are both federal employees. Last time, I stayed home while he had to go to work with no pay, and be threatened with AWOL if he took previously-scheduled annual leave, or needed to take sick leave to go to a previously scheduled doctor's appointment. His agency really bungled the entire shutdown operation and put all the employees on defensive and torpedoed any morale that was left.
I am scheduled to travel to an important meeting on October 5th. It will be a real setback if that meeting cannot occur and we have to reschedule due to a shutdown.
Money-wise, we have plenty of ready cash, but most of what is in my account is allocated to a horse I'm buying after a few months of searching, so if a shutdown does occur I may have to get a little creative. I definitely won't send the full purchase price until we see what happens on Sept. 30th.
Last time I was more worried about money, but I spent the time on a landscaping project at home. If I hadn't been as worried about pinching pennies, I would have rented some equipment to get more work done during the shutdown. This time around I'll use the time as I see fit to do some projects around the house even if it costs a bit in materials or whatever.