I'll give you mine perspective where I happen to completely be the opposite of you.
> Given my income and my economic situation I shouldn't feel anxious, yet I can't relax thinking every hour spent watching netflix is in a way costing me ~110$.
I make about $3000 net per month. I work 4 days per week. Currently working remote, I'm also currently single (since very recent). I'm in another country. I take long walks, I meet people, I chill hardcore, it's nice. I spend about $2500 by not even thinking about money and making very unoptimized decisions. The way I view it, life is good, especially because the place I work for also provides a pension and there is a small state pension. If the market goes completely sideways, I'm a software developer! I'll get by. I'll teach high schoolers math (or any other subject) if I have to.
My life feels like a vacation. I need the 4 day work week in order to stay mentally sharp. I don't want to mentally decline, it's a health thing. I happen to make money with it as well. I don't fully like doing it (software engineering), but I don't hate it either. IMO that's the sweet spot, it constantly reminds me to have something of a work ethic. Quite frankly, I love the whole situation.
> So when I don't have any more work for the week, I work on my hard and soft skills through certifications so I can up even more my hourly rate.
I also work on my soft skills! I do it through dating. I meet people while sitting remote working in a cafe, or when I go on my daily walks. People come from all walks of life. I guess you learn totally different soft skills though ;-)
Hard skills? I learn it when the time requires me to. I've seen so many languages, while there's a lot to learn for me, there is at the same time nothing new under the sun. When I started out in my computer science bachelor it felt I was too stupid. I had a very hard time wrapping my head around programming. I've never had those difficulties since, learning stuff now simply takes time.
How can I live like this you might ask? Well, it's better for me to be chill than to be all riled up. I provide a bigger benefit by being relaxed, positive and helpful to other people. I know the world is falling apart (just a bit, not too much IMO, read Factfulness, it's written by a Norwegian economist, he has an awesome ted talk too [1]).
I agree to a large extent with the rest, can't provide a counter point to that. Feel free to email me if you want someone to talk to, as a curious fellow HN'er that is :)
Email is in my profile.
[1] https://www.ted.com/talks/hans_rosling_the_best_stats_you_ve...