[toomuchtodo]

Not OP, but also have a bit of "f--- you" money.

Save diligently. I have enough cash liquid to survive for two years without any income at my current burn rate. You think you need cable TV? You don't. You think you need fancy cafe coffee? You don't. Do you carry balances on your credit cards? You don't anymore. That's a debt emergency, and you're getting out of it ASAP. The list goes on.

Save diligently, and you too can have enough money saved to be confident in your future.