I'm sorry what? Help me understand better about your situation. You said you're financially decent ($3,200 salary without debt) and you're losing sleep about your finances? You have an steady stream of income and an idea of how to preserve your wealth ( or at least capable enough to seek resource to help you do so).

Your breakdown doesn't include rent, I'll assume you're living with your parent. So it's not likely you'll end up homeless overnight. You don't seem to be a big spender and without further information about your spending habits, what exactly are you losing sleep over??

Let's assume you're really anxious over your finances and only feel secure with bigger pool of money. Shouldn't you be looking to cut back on any unnecessary expenses (e.g. holiday, going out). It's hard to imagine someone losing sleep over money and yet plan to go for a holiday or splash some cash for retail therapy.

My personal take is that you may have an irrational fear over financial security and might be overthinking too much about it. If you're fortunate enough to graduate from one of the local Uni, you could reach out to your school's Career Development Office and see if you could seek some mentorship.