>How is my financial situation?

It's fine, assuming that your goal is to spend the money you currently spend and you are on-track to save for the retirement you want, with no particular savings goals.

https://www.reddit.com/r/personalfinance/wiki/commontopics

Review your financial priorities, make a budget that reflects them. That's how you evaluate your financial situation. For example, if your plan is to put a $40k down payment on a house next month, your financial situation sucks, you're not going to meet that goal. There is no arbitrary "doing good" standard for finances - you decide what good is because you decide what you want.