Me too. I don't worry about it until I buy something, though, and then freak out internally after. We've never had money problems, either. My parents farmed for 40 years, and didn't buy ANYTHING if they didn't have actual cash to cover it (cars, combines, tractors, etc). They've never had a loan in their lives, except for their little tiny mortgage for the farm when they were starting out in the '60s. I remember them paying it off when the mortgage company MADE them (they realized Mom & Dad had enough money to do that). M & D preferred having that money in the bank, making more interest than they were paying on the mortgage (this was when you actually got measureable interest in a savings account).

Anyway, my first car loan freaked me out (low interest on a low amount, loaned by my parents) after college. Then I got married, and freaked when I found out DH had $4000 in student loans and credit cards, combined). Never having owed $$, it was really scary.

I guess I'm saying that maybe it's those of us who have never faced financial crisis that stress the most (or maybe that is why we've never faced financial crisis).

Be happy - buy bike stuff. (Currently freaking after just looking at Madones on the Trek website).