Don't think of it as a financial net, think of it as financial trampoline, and make sure that it strong enough to be that. A more nuanced and positive way to think about financial security, it's the security to keep you pursuing your dreams -- not just save you from ruin.
Death By 1,000 Lattes
It is often the smallest repetitive purchases that hurt us the most. For instance, it is very possible, if not easy, to spend 2% of your income on Lattes alone.
Question Your Spending Habits
By questioning your spending habits, you could afford that expensive but amazing concert by borrowing money from your costly small purchase habits.