It amazing what you can do if you live a boring (in the eyes of many others) life. We paid off the mortgage many years back, don't have holidays abroad, or holidays at all for the last 3yrs. Eat fresh food, some of which we grow here as wife has food allergies, heat with coal over the last 20yrs, so not push button heating and requires work to maintain. No TV, used money and time to pursue interests and hobbies gaining lots of practical skills. As I work from home minimum overheads on commuting to work and back. Workshop and electronics lab are my life, most interests and hobbies revolve around that. Fast approaching retirement, and private pension will pay more than I have earned in the last few years. My wife has supported me on and off over the last 20yrs as she was always the major bread winner. Never felt entitled to anything and only bought with cash I had to hand. No credit card or loans as my monthly income could vary wildly (hence no covid support, as no credit rating) very much living within my means. That seems to be completely lost on so many these days.
I have some generous friends who think of me before disposing of equipment and tools. I repair and refurbish for them and myself where I can.