You’re doing very well. Life is meant to be enjoyed.
I was thinking more of people who have a lot of unsecured debt - credit card debt, student loans, personal loans.
They might make $100,000/year, but they keep borrowing money and never pay off their loans. Then they complain about the cost of living. lol
You’d be surprised how many do the same thing at my income level - and it wasn’t all that long ago I was at the $100k/yr (13 years ago I made $50k/yr)