I’m 38 and single with no kids.
Earn between £32-35,000.
Mortgage paid off
No other debt
Have a few thousand in the bank for emergencies.
Also have a non-contributory work pension, although I don’t expect that to last for ever.
I feel fortunate. I know from the ‘canteen chat’ at work that even on a decent wage it’s difficult with a family, even up here in Cumbria.