That's sort of like what I imagine. I keep getting stuck on various what-ifs. Like, what if I'm not healthy? What if I can get around ok but can't do the outdoors things I enjoy now? At 35 I probably don't need to worry about that yet as "save money" sort of applies to any scenario. But it still leaves me with a lot of uncertainty.
I'm already physically super messed up. If I'm to the point where I can't putter around with a shovel and a small tractor of some kind for a few hours a day... Well I already know what I'm going to do. Not sure how healthy people address that kind of concern. The money thing alternates between being super stressful to me and not stressful at all. I will have enough, or I won't. Those are really the only two options.