Thank you! Don't have too much pity though, I'm doing okay. I live in the EU, no spouse, no kids, no commitments really. Not planning ahead is 100% my fault, but it's not an existential problem (yet). It's just time to finally stop spending everything as it comes in.

It's kind of obnoxious to even admit this, but I always assumed I'd be a successful person at some point down the line. This was of course utterly ridiculous and led to some really bad decisions. It was exploitable by other people, too. My work made a few people rich, and while I was always compensated for my time, I never got a proportional cut from the outcomes. But it wasn't a bad life, and there is still some fuel in the tank :)