I am reminded of that quote along the lines of “it is possible to commit no mistakes and still lose. That is not weakness, that is life.” I did everything right, and had a more than adequate emergency fund.
But then my house vaporized that emergency fund… and only then did COVID happen and I lost my job twice. So that’s roughly three “holy shit thank god we saved for a rainy day” events in three years.
I’m sure I will be in “just save money” mode some day in the future. Lots of shit left to clean up right now though.