If you have no debt, two years of savings, can afford one parent to stay at home, and work in tech, you are ahead of the overwhelmingly vast majority of people.

If you have no debt, two years of savings, can afford one parent to stay at home, and work in tech, you are ahead of the overwhelmingly vast majority of people. If this simple fact doesn't make you feel secure, I'd suggest that no amount of money will make you feel secure. Instead, focus on increasing your employability. If the economy crashed, could you easily get a job? If not, what skills do you need to learn to be in that position?