i think this is the sign of an inadequate safety net. i also grew up poor with a single parent who could not work until us children were old enough to be able to be at home without supervision. so we had to rely on government support.
now i am not exactly well off either. but i never felt i was financially insecure even when i was low on money. that safety net is always there, and having experienced it, i am comfortable trusting it.
DUDE!!
Im older than you and I grew up poor.
Between my husband and I we have a little under half a million dollars in easily accessible liquid assets. I also have enough in my retirement accounts that I could definitely retire at 65 comfortably if I stopped contributing today (CoastFIRE).
I am just barely starting to feel like I'm financially secure.. like I don't feel it, but I logically tell myself that I am. I feel like I'm finally starting to believe myself.