Solo entrepreneur and freelancer here, for 10 years+. I know this feeling very well, I have a wife and two kids. Something that can potentially help you (it he

Solo entrepreneur and freelancer here, for 10 years+. I know this feeling very well, I have a wife and two kids. Something that can potentially help you (it helps me, alot!) is to do liquidity planning as if you're a business. I use a Google sheet to track monthly spend, and income, as well as yearly stuff such as insurance premiums, mortgage payments and taxes. Add your liquidity (bank account in your case) and see how far it goes. Doesn't have to be super precise (it can't be), but it should give you a rough idea of how long you have. And in your case, as you are on very solid financial footing, it might calm you down a little. For me personally, it gives me a feeling of being in control, if only a little, of the uncontrollable.