If you are happy and financially stable I think you are doing great! Especially since you have no debt! Stay grateful b/c you're in a great spot! I would always strive to do better and set achievable goals though as drive for constant growth and improvement in ones life is important. I think that life is most fulfilling when we are constantly pushing to improve ourselves around all areas and not just financially.

This so true. Many people, included myself now and then, need a reminder of this these days. This whole idea that EVERYTHING is "unfair" and should be just handed to young kids is crazy. Equality of opportunity but NOT of outcome.