Live below your means and you will rarely, if ever, have financial issues. This requires a different perspective on 'having money'. For this you have to ditch

Live below your means and you will rarely, if ever, have financial issues. This requires a different perspective on 'having money'. For this you have to ditch the idea of signalling your wealth to your friends and colleagues and, instead, be content to be seen as poorer than you are. Perhaps you don't buy a new car (ever). I'm still driving the car I bought in ~2010. Perhaps you live in an ugly/old building. You also have to be willing to continually trim spending to exactly what you value. For example, I personally value eating food made with high quality ingredients, so I'm willing to spend more on these ingredients, but this also means I need to spend less elsewhere so I stopped going to bars and cut down on my eating out. The upside of this approach is being able to do the things I really value while still having a large buffer of funds in case something happens to me or the economy as a whole. The end result is total financial peace of mind.