Jeff, you made good points. I want to share with you and the rest of the forummers here to fully appreciate the meaning of gratitude.

As a couple, even though we are already in our late 40s, we only earn a total salary of $155k pa. Even though our income is so much lesser than people we know, we are grateful with what we earn. There are people we know who live the high life and they live in big landed homes while we are contented with our suburban condo. However we are not so impressed with their achievements as these people back stab others and plot against others' downfall. They cause people to be kicked out of their livelihood.

Our salaries are lower but we know we make an honest living and we do not sabotage others. Our conscience are clear.

While others have net worth of $10m or more, ours is only $2.4m, including our home. We are happy and we hope to retire when we hit 65.