<prompt> Human: Greetings all.So as the title says, 33 yr. old here. I feel like Im doing okay, but I could be doing better. Ive got roughly 7k in the bank, 11k in 401k, and thats about it. Ive had my share of financial difficulty through the years, mostly due to my own fault. At one point I owed about 25k in credit cards. Took a few years to pay off, but I finally did. I was a stupid young adult with a credit card buying whatever I wanted. Felt amazing to pay off. Like I could breath again. Ill never do that shit again. Wasted so much money.Aside from my credit card bill which is high for me right now at 1100 I have absolutely zero debt. My car is paid off, I have no student loans, nothing like that.I earn about 1200 net bi-weekly. My monthly expenses are not great, but I make due. -Rent Utils is 950 Im in NY, split the rent and utils with roommate -Parking 65-Cell Phone 85-Groceries 175 roughlyAnd then theres misc other stuff that comes up. So basically one check is gone due to rentgrocerieswhatever. The other check I try to bank in full, but that doesnt always happen.I really dont go out much and spend a lot on entertainment. I feel like I should be further ahead in life, by Im just kind of getting by. I know Im in a better situation that a lot of people having next to no debt, but I just dont earn enough to do that.I dont have any sort of degree or anything, but Ive always managed to hold down a decent paying job. One answer is to get a higher paying job, but those arent exactly growing on trees.I dont know what Im looking for. Just encouragement? Advice? I dont know, and didnt know where else to bring it.Thanks all.  <response>: This is something I struggle with daily. Sometimes I feel like Im doing great, and then sometimes I feel like the entire world has surpassed me and Im extremely far behind. Its easy to see a lot of people in this sub that are in their early 20s with 10 or 100 times what you have and feel like wtf?But were all different. There will always be people who never made any mistakes early in life, had financial sense talked into them at a young age. And there will always be people on the other end of the spectrum who cannot seem to get ahead for whatever reason. You are honestly not alone. And most people who are in this sort of mid ground dont really post and share that. Maybe they just lurk. Anyways, what Im trying to say is... You are probably a lot farther ahead in terms of good personal finance than you think. You are doing better than someone whos never had the opportunity to fail because their parents always bailed them out. Youve made mistakes but youve corrected them and now you move forward at your own pace.Regardless what you read on here, most people arent even just getting by you should be proud to be almost debt free and actively saving for your future. Keep up the good work. 