Maybe "OCD" isn't the correct term, but I find myself thinking about money constantly. My mind is consumed with the notion of acquiring and building wealth to the extent that it's intruding upon my daily activities. I think it all stems from a fear of not having enough money. I was talking to my mom the other day and I told her I wouldn't be comfortable unless I had enough money for 10 years of living expenses in a liquid account. A little background: I'm 26. My previous job was my first job out of college, and I was there for almost 2 years. I worked in systems development, and it sucked. I would work 50, 60, 70 hours a week on salary (no overtime pay) with mandatory weekends and pretty much as much bullshit as you could imagine. This was a big, international HR firm, and our company engagement scores were around 25/100 (which is absolutely horrible). Basically, no one was happy there. People in the development teams had job stress-induced illnesses. I would see people cry at work, etc. Sometimes I'd go home at night at come back the next day and there were still people there who hadn't gone home. One of our programmers worked a 35 hour shift once. People's families would come visit them at work because the employees never got to go home. And all of this for shitty pay and 0-1% raises. Alright, so I had been thinking about quitting for a while, but one weekend I decided to finally do it. I gave 2 days notice and quit. I had at least 6 months worth of living expenses saved up in a liquid account at this point, plus I cashed out 21 days of PTO which is over 4 weeks worth of pay, so that was a nice bonus. I was so stressed out from that job I was then unemployed for about 6 months, by choice. I was literally so mindfucked from that job that I didn't do much for the next 3-4 months. I would sleep in until noon. I had no motivation to do anything. And through the whole thing, I felt secure because I had enough in the bank for a few more months... Anyway, that experience made me realize that I was lucky to be able financially to up and quit my job. There were so many people there who hated it but couldn't quit because they were living paycheck to paycheck. I think that now I'm terrified of being in that position again. I'm always asking myself "what if I get fired? What if I have to quit?" Finding a new job is fucking impossible. "What if I can't find a new job?" I'm consumed by the need to have enough money so that not finding a job won't be a problem because I won't need money. As a result, this affects my social life. I am a fucking cheapass. I don't go out downtown because I can't afford it. Ok, I'm lying. I can afford it, but I don't want to, because going out and spending $15 per drink is fucking lame. I can't justify spending $50-100 in one night because "what if I have to quit my job? What if I get fired? What if I can't find a job?" I might need the $15 from that drink to buy me a few meals at Wendy's. I don't go to nice places to eat because fast food is cheaper and spending $50 on a meal is pointless when you're getting the same amount of calories that you could get for $4 someplace else. I should note, however, that when someone invites you to go someplace, and you say "sorry, I can't afford it," you don't usually get shit because most people are so in debt that they assume you really can't afford it, either (altho that doesn't stop them from doing it). I say "I can't afford it" because I don't want to say "I don't want to waste my money on that." Some of my friends give me shit, but I can't help but think "fuck them." Some of my friends my age make $60-100k per year (which I am *insanely* jealous of) and they party like rockstars, yet they only have a few thousand saved up. "What if you lose your job?" I want to ask them. "You'll be fucked because you have no savings." And then I imagine myself in that position and I become terrified... like literally, I have a mini-anxiety attack. Now normally I think it's good to be frugal and concerned about your finances, but I think it's consuming me to the point that it's unhealthy. I realized that when I told my mom that I wanted 10 years worth of savings in a liquid account in order to feel "secure," and then I realized that I was 100% serious when I said that. And that 10 years means no change in quality of lifestyle, either. Even thinking about it now, as I'm typing this, makes me think 10 years of savings wouldn't be enough to feel comfortable. How do I un-consume myself with money without taking the complete opposite approach and not giving a shit and getting to debt, etc. I know "you only live once" so people are going to tell me to spend more and have fun, but when if after I spend it, I need it, and I don't have it because I pisssed it away on $100 bar tabs?