Since I started working, there is this fear of loosing all that has been gained over the years.

I have this fear too, but I see it as my potential for the future that I couldn't have otherwise. If it is lost, then I wouldn't have had it otherwise anyway.

Having a job that covers life costs is imperative to good investing in my opinion. Not only does it mean that more can be invested, it also means that there isn't as much desperation or impatience.