[PeterisP]

If you have a passive income enough for survival (which you do), but you have feelings of desparation about a need to re-invest more + thoughts of spending cause panic then this is a sign that your worrying is hurting you, badly.

Try investing part of that money not in savings, but in psychotherapy; improving on all that anxiety will make you much happier and you'll have an easier time making decisions about your financial goals after that.

[beginagain]

dude. if you could understand how much 'psychotherapy' I have been through, you would not be saying that I bet. If you have someone whom you think can bring me out of this funk, please recommend. I don't doubt you. I have been out of this funk once, but a long time ago.