I have had a pretty good life all along, but it was blips, and spits and starts. And stumbles all along. I just rode through them.
I had the advantage of having no vision, no plans, when I graduated high school. All my friends headed off to college, but I had no money, had no idea what I would even study, even though I scored just shy of 1500 on the SAT. Learning always came easy for me, it still does.
So having no plan, after high school, I left my job as a farm hand and became a motorcycle mechanic. Found my two major strengths there, thinking through abstract problems as logically as possible, and a certain base understanding of electrical and electronics. A result of that was I got stuck with all the quirky electrical faults, and most of the transmission work. I enjoyed both. Should I go to school for electical or mechanical engineering? EE won that decision process, and I headed off to school at 25. Not having much money, I settled on two years first, to nail down an Associates degree, then move on from there.
Got great grades, got a great job offer, went to work. Took additional courses, but never earned a higher degree. Blundered along through a few failed relationships (an early relationship with someone that was bad for me, left scars, and it took a while to figure out how relationships were supposed to work).
Finally met someone I could relate to at age 35. Okay? 35. I still was renting. I couldn't even afford my own apartment until I was 30. So at 35 I met the love of my life. A year later, we bought a house together. Two years later we married. Two years after that, we had our first kid. Age 40 for me.
So my 30s, my life had really only just begun.
So I have been coding in embedded systems now for 38 years. My kids are all grown and out of the house. I never worked at a FAANG. I am not rich, but the women I met, fell in love with, and married, had similar financial goals, so we have saved enough money to retire by time I turn 68. Very small house, we drive cars into the ground (never less than twelve years, my car is now 16 years old). So we have money to do the things we want. Travel and skiing being two of the top things. We raised three kids. Put them through college with no debt (not Ivy league, but no one needs Ivy League for the first four years, that is some heavy vanity BS right there)
Your career is not the end point of your Dreams, enjoyment is. Your hobbies should be something you enjoy that don't break the bank. You should constrain your costs on anything the doesn't deeply matter to you so that you can afford the things that do.
I will leave you with one huge final important note.
The things you 'do' in life are much more important than the things you have. Do not focus on 'having'. Focus on 'doing'.
I am a relatively old man now. I am still working because of two things, both related to me doing everything late in life. I started my career late, and I had kids late. I don't mind that I am going to work until I am 68 or maybe 70 years old. I am doing things, and I am enjoying the things I do.