I'm guilty of doing everything you've mentioned as well, for the same reasons, but this especially: >I'm afraid to make investments fearing that the market cou

I'm guilty of doing everything you've mentioned as well, for the same reasons, but this especially: >I'm afraid to make investments fearing that the market could crash the second I enter, and erase my money, leaving me vulnerable to being homeless or dependent on doing shitty jobs I hate just to stay afloat, so I just hoard cash like an idiot as that makes me feels safe and lets me sleep well at night. I am terrified I won't have money when I need it, worried it won't be there or accessible. I've learned over time that there is no amount of money in my savings account that can alleviate this. When I was a kid there was never enough money and disaster was one unexpected bill away. As an adult I know that's not true of my situation now, but I am incapable of getting out of that mindset.