no, you definitely aren't the only one...
unless you are a crazy saver or rich, i don't know how anyone would feel ready financially. seriously.
i just know that there are going to be times when things feel tight, or we won't go on the trip we thought we would, etc., but we'll make it work. we live in a modest house and we don't spend much, but we do like nice things and we do like to travel, so we're trying to curb some habits now. and we made a goal to save x amount by the summer, so when it is time, at least we'll feel like we have a cushion.
that probably didn't help, but you aren't alone