No, but I do what I can: resisted buying a house as long as possible and have zero debt apart from a mortgage that should be paid off in 2-3 years if all goes t

No, but I do what I can: resisted buying a house as long as possible and have zero debt apart from a mortgage that should be paid off in 2-3 years if all goes to plan, and enough in the bank to cover myself for at least a couple of years should things go tits up. And I'm earning nowhere near what I gather a lot of people on HN earn. I never fail to be amazed at how many people are quite happy to live showy lifestyles yet are in reality only 1 or 2 paychecks away from disaster.