My fear is that I am heading down the road you listed in the second scenario. I think the problem is that it is so easy to just tell myself "No, you're doing gr

My fear is that I am heading down the road you listed in the second scenario. I think the problem is that it is so easy to just tell myself "No, you're doing great. Look at where you are compared to 98% of the world". Even though I know I am just coasting through life. I have a very happy disposition by default, and I think this has kept me from any action that could potentially cause an upheaval in the way I live. But I can also feel a growing discontentedness with how I have lived my life so far -- never truly challenging myself, never taking any risks, and never really accomplishing anything great.