People spend time worrying about things they think they have to have and lose perception of what they do have. You can have all the money and material things you want. If you aren't here to enjoy them what good do they do?
Put paying your dues and all that puts so much into being a success. You have an understanding of what it's about being on your own for three or four years and living day to day on $3 or living in an apartment with no electricity.