I can only assume that you never lived paycheck to paycheck and considering how much international travel you post about here and on Facebook? You literally are in the middle or upper middle class.
I have lived that way after I graduated from high school. I moved from CA to Chicago, and worked for Louis Meland Company as a biller, and lived paycheck to paycheck. After about one year of that, I accepted the fact that I was going nowhere, so I enlisted into the US Air Force. That was the best decision I could have made. They assigned me to the Strategic Air Command to work with nukes; to maintain and load them only bombers. Mind you, this was back in the late 1950's, and the Air Force had B36's, B47's and B52's. I never saw another Asian working in my field, and often wondered why that was. In 1945, the US bombed Hiroshima with the nukes I worked with, and that was my ancestral home. Our grandfather moved from Hiroshima to Hawaii where he had a large family. My father and two uncles moved to California to find work in the early 1900's when they were teens. The fact that the Air Force assigned me to work with nukes gave me the motivation to finish college. While assigned at Walker AFB in New Mexico, I was responsible to revise our tech manuals when new information were sent to us. All classified TOP SECRET. During one of those revision periods, I found a mistake, and notified my boss how it should have been written. The commander of the base made me "Airman for six months." A few years after my discharge, I started going to college and earned a degree in Accounting. And here we are! The fact that the Air Force gave me the opportunity to get a one year assignment in Morocco was the beginning of my love affair with world travel. During that one year, I was able to visit Marrakech, Casablanca, Tangiers, Madrid, Paris, and London. As the saying goes, the rest is history. BTW, Walker AFB was where the Enola Gay was based, and the atomic bombing of Japan was planned. I learned this many years after my discharge from the Air Force. There are a lot more stories involved during this period, but it would take a book. LOL.