hmmm some of both I think...for different reasons
10 years ago, I was making about $80K/year and we were getting ready to buy our first house (after almost 24 years of marriage)
I was working my life away (at least 6-10's) and driving in the range of 1000 miles per week just in commute miles.
We had very few bills, we were in good health, and had money to spend/save as we chose.
Now, I'm no longer working and my income has been drastically reduced because I'm on a form of work-comp disability
We're in hock up to our necks, (lifestyle based on 80-90K, now trying to survive on about 1/2 of that)
BUT, I no longer have to deal with the high-stress maritime construction job I did for so many years
I no longer commute 100 miles each way
I'm going to community college and am pulling (almost) straight A's (which surprises the hell out of me) and am LOVING school
So while money is much tighter than it was 10 years ago, the only real stress I have to deal with is self-inflicted...gotta maintain that 3.92 GPA! 😀