> Having a few months to a year of expenses on the side fixes this.
It doesn't, for me. I'm sitting at ~12mo with full expenses. I budget everything, so i do me full expenses, all the niceties, enterainment, etc. If i lost my job i could probably stretch it to ~24mo with the fat cut away.
Still, i worry. Keep in mind i do partially agree with you, paycheck to paycheck is a massive concern for people. It's why i obsessively envelope budget. But the concern i described in my prior post is a concern of skill, interview success, etc. Ie, feeling unsure in success of finding a job in my career path.