It seems like the fear of going broke or not having enough is and always be within us. Ive had times where I had a big savings chunk put away and it still didnt feel like enough to withstand a poker storm. The anxiety of going broke was still there. Its like inside we know that anything could happen, and no matter how much we save something could happen beyond what weve prepared for.
My humble suggestion and what has worked for me was to do this. Instead of saving the money for myself during good times and having it as a cushion for the just in case. I used that money to help immediate family, friends, co-workers,wifes family. Also used the same kind of generosity, with my time. This has been the only amount that has given me the security I was looking for. Because I always feel like there are lots of people who will help me when I need it. That feeling is priceless. Hope my different perspective helps