I fall just at that borderline of the two and have the same sort of spot. Took too long to get to a decent career-class job, managed to buy a basic house but only just and not much of one, savings of an amount to be confident of retirement are a fantasy from a bygone time. Spent many years with the mantra of show up, do your job, don’t cause trouble, the promotions and raises will follow and in 50 years you get a nice gold watch and a permanent vacation. BS…