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I'm sorry but if your income is well into the six figures there's a lot of room between "hoarding" your money and never spending any on anything fun and spending it so freely that you create unnecessary financial distress for yourself. If you think 20 grand a year is "nothing" then I guess you're not so bad off after all.

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Yes. Recall my original point is explaining how high earners can still be anxious about layoffs. Even if they have been balancing family, fun, and savings... a layoff would likely mean 6-24 months of job searching. We would survive, but as those months go on, we'd have to make deeper and more painful cuts our lifestyle.

We are very privileged to have the money for a nanny. Having to let go of a wonderful employee and friend is itself worth plenty of anxiety.

And we're lucky enough to be citizens. Plenty of folks in our situation aren't.

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