You've worked hard to build an emergency fund and maybe a health savings account (HSA). However, when a situation like a home repair or an unexpected surgery arises, you may suddenly feel anxious about accessing the funds you've saved (for this very purpose). It's no wonder 60% of Americans feel uncomfortable(Opens in a new tab) with the amount of savings they have for an emergency.

Still, experts say that this discomfort shouldn't hold people back from using their savings when an actual emergency comes up.

"Use money for what you saved it for," said Benji Garcia of BOK Financial Advisors, who says he sees a lot of people who are savers struggle with spending money. "It's so firmly ingrained in them that they have to save, that even if they have a huge nest egg, they have a hard time breaking into it."

One reason may be the struggle to determine whether the situation feels like a big enough emergency to use hard-earned money and concern that there may be another bigger situation down the road.

"So much is out of our control. At some point, you're going to have an emergency, whether it's a medical crisis, a car breaking down or something else," said Garcia. "That's what that money is there for. You're lucky you have that money and worked hard to save it."