Last year, dh and I earned $94,000
before taxes. We have about $80,000 left of our mortgage at a really good interest rate. We have a decent government retirement plan and extended health coverage (beyond the standard Canada pays). We do not have a car and we budget for everything. Our needs are met with some money to play with (though no fancy vacations; we have money for camping and to save up for the things that matter to us). We do donate monthly, but I would love to increase the amount.
If someone told me we could choose to have what we have now, adjusted for inflation (I guess); but we would never earn anything more, I would take the offer in a heartbeat. I grew up really poor--like food banks, moving a lot because we couldn't pay the landlord poor, and I never thought I would have what I do now financially.
My one dream now is to be able to see the food co-op we helped to start, get set up for life financially. It's had its storefront for over 10 years and is "the little engine that could;" but I would just love to give it a big boost.
My goal now is to take our generous budgets for things like food and make better use of them. I don't want to earn more, I want to spend less. Yes, I would like to give our dd (and hopefully a new babe) a financial nest egg when she grows up; but teaching her about frugality and financial modesty is, I think, is the best gift I can give her.