I can totally relate. When I was in my early 20s, I was debt free, but was not earning a super high income. I could go for coffee whenever I wanted, ate at rest

I can totally relate. When I was in my early 20s, I was debt free, but was not earning a super high income. I could go for coffee whenever I wanted, ate at restaurants once in a while, but generally didn't stress about money because I was living simply. Those were happy times. Later, I earned much more, but invested to start my business and had to carry a far heavier burden financially - the kind of burden that would wipe me out quickly if I stumbled. It ate away at me and was probably unhealthy. I think economic policy should aim to maximize the number of people who can live in the stress-free bracket. Not super wealthy and able to go to Hawaii every winter; just able to make ends meet and have a bit of reserve for a rainy day. Most western economies are not geared in this way at the moment, and I think that's a huge shame.