No joke that's exactly what I do and I'm a mortgage free home owner LOL. If I can get myself to Japan I might marginally smarten myself up so the Japanese don't freak out about me.

The main point is, if you're not riddled with debt or completely debt free you're generally doing a hundred times better than most people. It's a bit like how if you're not a fatty and do weight lifting on the regular you're better than a significant chunk of the population in most countries.