1) With anything near your net worth, working is optional and with market moves you're talking about the difference between having a metric shit-ton of stuff and merely a whole shitload of stuff.
1.a It's just stuff you're worried about.
1.b The value that Mr. Market would pay for your investments will vary 10% or more from month to month and this is normal.
2) Putting $130k in a money market account as a lump sum way of paying for the next 2 years' living expenses seems like an inefficient way of doing things. Do you have bond coupons, dividends, interest, etc. that you could live off of and keep the $130k invested, even if in something safe? Or could you sell investments monthly or biweekly rather than making these huge lump sum moves and holding so much in cash? If you maintain the practice of holding this much cash in MM accounts that pay next to nothing, your underperformance could add up to hundreds of thousands of dollars over a couple of decades. This is the silent market crash nobody talks about - all the money rotting in checking and money market accounts year after year. Worst of all, you don't escape being forced to sell investments this way because you still have to replenish the 2 years living expenses fund every year.
3) Do you remember January of this year when a bigger move occurred, a bunch of people sold out at the bottom, and a recovery occurred within a few months? What if the same occurred in the next few months? Look at a 10 year stock chart and compare the size of the dips.
4) Have you calculated a FIRE number and are you still above it?
5) Have you calculated the expected future earnings of your portfolio? That is, how much EPS each equity share contributes and how much yield each fixed income investment pays? This is a much more comforting and IMO more accurate way of looking at the sustainability of your portfolio, as compared to a "FIRE number" which is based on wildly fluctuating market prices.