Anxiety around budget common?
Growing up with parents that were anxious about money, remembering the '08 recession, and now the current state of world and inflation I always feel anxious about if I'm doing ok and recheck my numbers if I'm doing "enough". Now wondering if others feel similarly. Like things could be worse but I still still feel insecure. I grew up hearing the saying "If you fail to plan, you plan to fail." My biggest fear would be not making my parents proud/ failing financially and ever having to move back home or asking them for help out of a hole.
I was looking to get feedback on my budget of where I could improve things and how to deal with the anxiety I get around spending even when I'm hitting my savings goals from those who have are closer to retirement.
Context:
31M Nurse, live alone. 1 full time job (36hrs/wk) , 1 per diem job (2-3 shifts/month)
On average I do ~48 hrs /wk between both depending on if FT has overtime or not.
Income from this year is projected at 135K between both jobs and including interest income on MM (~4k/yr) in high COL USA.
Monthly Expenses:
Rent 2770
Heating 30
Electric 35
Water 25
Internet+Streaming 40
Gas 80
Car Insurance 180
Union dues 90
Health Insurance: 87
Dental: 29
Groceries+eating out ~600
Total: ~3950
After taxes, If I just worked my regular 36hrs FT without any OT or per diem I have 800 leftover per month, w/ extra shifts can be about 2-3k left per month (depends on # and if overtime rate or not). I tend to buy $200 in groceries every ~10days but I also buy out a lot at work. It's hard to resist when coworkers are getting uber eats and you have a boring sandwich but I do make coffee at home now. I also am more likely to buy out if it's an extra shift because it feels easier to justify...
I'm trying to sustain putting 14% in my 403b and maxing out my IRA. No car or student loans. Bulk of savings is in a money-market, 152k, which I add ~2k/mo to. Planned for a house down payment but I've been hearing it's better to keep renting and just continue saving since loan APRs are so high right now, and I'll make more putting money in stock? and about 2k in a checking account. 403b is around 60k and IRA around 30k (index funds). Outside of my budget and food, if there's a "want item" that I'm buying I will pick up extra to pay for it so that it doesn't come out of my savings or expenses budget if that makes sense. E.g. A vacation is ~5 extra shifts. Gaming console 2 shifts. etc.
Thanks for your input!