It sounds more like you’re asking about an emotional block than actual financial health. Give yourself some credit. A multi-year safety net is far more savings

It sounds more like you’re asking about an emotional block than actual financial health. Give yourself some credit. A multi-year safety net is far more savings than most people have, and you shouldn’t dismiss that just because you haven’t bought a house. Just remember that there are people who raise families doing all kinds of jobs that earn less and offer less security. Your skills probably won’t evaporate like some JS framework. You were capable of skilling up to get where you are, and if you needed to you could reskill. Maybe invest some of that pile in a few therapy sessions to see if you’re still living some maladaptive coping strategy that helped protect you when things were thinner. It helped me, anyway.