Having grown up lower middle class with parents from a former Eastern bloc country, I feel that my mentality has very often held me back from taking risks in career, education and personal life, because there was no safety net to fall back on if the risky move wouldn't pay off.
I'm good at surviving with very little money or food, but at the age of 42, I feel now like I had let life pass me by, having never developed ambitions or passions, and living like a "rat", is also very unappealing to potential love interests.