Another one here in the “fairly capable, doing OK, could do a lot better but just CBA with it” camp.
I tend to settle in a job that’s comfy and then stay there until I’m utterly fed up with it. I should have been more proactive but…. meh.
I’ve never been poor but then I’ve never had money for all the nice shiny things other people have like new cars and new bikes. My last fully brand new bike was in 1998 ! I ride a 2009 bike whose frame was rescued from the bin, literally. I drive a 15 year old car that’s just hit 167k miles.
The mortgage is manageable, I’ve no other debt, wife & child are both healthy. The house is dry & warm, and there’s aways food on the table. Mustn’t grumble really.