Yeah, at least for the last six or seven years I've been much better about putting cash into savings (and relatively low-risk index funds/ETFs), so it's certain

Yeah, at least for the last six or seven years I've been much better about putting cash into savings (and relatively low-risk index funds/ETFs), so it's certainly less scary now than it could have been. It's just a tough market right now, it can take months to find another job, and feeling like you're unable to hold down a job is a decidedly un-fun feeling. Maybe all the cryptocurrency that I stupidly decided to buy in 2021 will be returned to me and the value will make a comeback and I'll be able to avoid the paranoia, but I'm not holding my breath.