Ah, you play game of life on easy mode, you have no kids.

I was living on sub-10k$/year in the heart of the most expensive city on planet - Zurich (back then), while owning nothing. That was rather trivial, hiking and walking in the forests is for free, great public swimming pools are cheap and lake was for free in the summer so staying happy and fit was easy to achieve.

But like with all games, playing games on easiest modes aint the idea of most rewarding fun for most folks, and this metaphor is also true for life itself.