I know someone on the internet saying you shouldn't worry doesn't mean you won't worry, but ... you should try to worry less :)

If you have the wherewithal to put away a year of expenses, and the self-restraint to double that if you needed to, I'm pretty sure you could find some gainful employment during that time.

You could also probably stretch things a bit farther if you really had to by doing things you'd rather not do. Skipping rent or mortgage payments probably doesn't fit with your ethos, and will have negative consequences eventually, but it'll take time to go through eviction or foreclosure procedures, and that gives a bit more time to figure out something.